Per Kredit für die
Mietkaution aufkommen
Mietkaution clever finanzieren
Mietkaution clever
finanzieren
Monatliche Rate
from 5.8%
up to 9.95%
In just a few steps to the
suitable loan for your rental deposit
1.
Calculate the
credit for the rental deposit
and leave
your details.
2.
We get in touch with
you in contact
and clarify the
most important questions.
3.
We find
the bank with
the best
Conditions.
4.
You will receive a
suitable offer
for a loan for
your rental deposit.
What are the advantages of financing
of the rental deposit compared to a
rental deposit insurance?
Landlords are increasingly accepting rental deposit insurance as security when moving into flats. Sometimes they even require it. Rental deposit insurance serves as security for the landlord in the event of rent defaults.
Simple, but expensive
Rental deposit insurance is calculated on the basis of the deposit amount. High fees are often added to this. If a claim is made, this must be repaid. The costs are therefore far higher than if the rental deposit is financed with a loan.
Compare loan instalments and rental deposit insurance
The credit advisors at credXperts will help you to calculate the costs of rental deposit protection in comparison with a traditional loan solution. So that you can make the right decision.
Credit or loss after five years in the same flat
The favourable premiums of rental deposit insurance can quickly tempt you into a short-term solution for your deposit. People often forget that as long as you are a tenant, the premiums are due every year. After five years, this can really add up: You make a loss.
If, on the other hand, you finance your rental deposit for the same period once via a loan, the rental deposit is available to you as a credit balance after the tenancy. In addition, there are often good conditions for rent deposit loans if you take out the loan as a couple.
Calculation example: Loan vs. rental deposit insurance
Rental deposit due: CHF 4000.
Costs for a credit solution:
Monthly instalment: CHF 69.41 with an interest rate of 8.95 %
Amount paid after 6 years: CHF 4997.52
Your balance after 6 years: CHF 4000.-
Net credit balance (minus interest costs) : CHF 3002.48
Expenditure for rental deposit insurance:
Annual premium: CHF 235.-
One-off entry premium of between CHF 50 and CHF 231
Your loss after 6 years: 6 x CHF 235.- = CHF 1410.- (fees)
With a credit solution from credXperts, you can save money on your rental deposit within 6 years.
Ask the credit advisors at credXperts for a suitable solution now.
