Distance Learning Credit

The term distance learning stands for two different forms of training and further education. It can refer to a regular university course that does not take place in face-to-face classes. The classic university for corresponding courses is the Fernuniversität Hagen. For some years now, an increasing number of state and private universities have also been offering some of their courses as distance learning courses.

Furthermore, distance learning can mean a further training measure or an apprenticeship at a distance learning school. This is not a conventional course of study, even if the name of the distance learning courses has become established as distance learning. Common to both forms of education is that the lessons take place predominantly at home by the participants working on materials. This offers a largely flexible organization of the learning time, restrictions exist in some of the courses due to agreed chat times.

In addition, most courses and almost all distance learning courses at universities, including the Hagen University, are associated with a small number of attendance days. In many cases, participants in distance learning courses, as well as graduates of distance learning courses for vocational training, need credit for distance learning, although the options for borrowing differ in some cases.

Best Bank loan and comparable offers

KfW loan and comparable offers

Best Bank credit is available for distance learning at a university including the Hagen distance learning university. The Förderkreditanstalt grants the student loan during your studies and at the same time offers additional final funding so that distance students can concentrate fully on their studies in the last semesters of their university education. In addition to studying, Best Bank Bank finances master’s training through an inexpensive development loan. In both cases, attending a recognized university or master school is a prerequisite for granting credit. In contrast, the promotional bank makes almost no demands on the creditworthiness of the borrower when it comes to student and master financing.

It does not ask for current income or existing assets and, when evaluating the Credit Bureau request, only ensures that no personal bankruptcy has been entered. The cash payment is not made in a single sum but in monthly installments. In this way, the continuing study participant receives a regular income during his distance learning. The loan will only be repaid after the end of the course, although special repayments are possible.

A few credit banks offer similar offers to Best Bank Bank, although they usually place higher demands on credit security. The amount of promotional loans is limited and is not sufficient to finance distance learning alone. In contrast to the BAföG, they are awarded independently of other income, so that receiving support loans does not restrict your part-time work alongside distance learning.

Regular bank loans for distance learning

Regular bank loans for distance learning

A regular loan is only partially suitable for distance learning because the repayment begins during the study period. Many distance learning students continue to work with a limited number of hours. Provided that they achieve sufficient income for lending according to the household bill, there is nothing in the way of borrowing. In other cases, it is advisable to apply for a loan for a distance learning course together with another applicant.

Distance learning students at various banks are easily granted a disposition credit, as these give all students an initial credit line. Anyone who has already worked will even keep the amount of the previously granted overdraft facility at some of the financial institutions, as they do not carry out regular checks. An overdraft over and above the granted limit must, however, be avoided, as this usually triggers an examination of the credit line. Even credit cards with a standard credit line are available for students, including distance learning students, especially since some issuers have focused on this target group.

Alternatives to bank credit for distance learning

Alternatives to bank credit for distance learning

Those who are already working ask their employer for a credit for distance learning. An employer loan is possible for further training at a recognized university as well as for distance learning courses at distance schools. In return, the recipient undertakes not to give notice after a certain period of time. Distance learning students have the greatest chances of getting a loan from the boss, who do not leave their job during their further education, but only reduce the number of hours. Private universities and distance learning schools do not grant loans for the cost of living during distance learning, but often offer payment in installments of the tuition and course fees incurred.

In this way, the tense financial situation can at least be improved somewhat. Platforms for personal loan brokerage also offer a sensible way of applying for a loan for distance learning. The lenders registered there accept requests from correspondence students for social reasons, precisely because they find it difficult to obtain a loan from conventional banks. In addition to his financial situation, the applicant describes the chosen course of study because many private lenders base their decisions on the purpose of the loan and whether they want to support it.

Was your car stolen? This is what you have to do!

Can you imagine it? You go out one day to see your car and oh surprise !: No! For those who have been through this it has been a bleak experience. And it is that a car is a good that is acquired with effort. This is worse when they take it out through a vehicle loan and have to continue paying the debt even if they no longer have the vehicle. Paying a debt when you don’t have the good can be avoided if you have insurance. In this note I show you what to do if your car is stolen .

Report the theft

money coins

You don’t feel to cry for the lost! It’s time to take quick action so go to the police to report the theft of your car . According to a report from the Ministry of Interior, in the first months of 2018 they have been able to recover more than 1260 stolen cars, so you have more chances to recover yours if there is a complaint in time of the fact.

The Sunarp will allow you to record the theft record. This is important because whoever is going to buy your stolen car can find out what is a property acquired through theft and decline the purchase or report the seller. Don’t forget to eliminate the theft annotation if you managed to recover your car!

Stay alert for recovered cars. As I told you in point 1, the police have managed to recover many vehicles in record time. Sometimes because time has passed, or because the data of the owners are not updated, they fail to communicate with the owners. Therefore, I advise you to always be alert of the cars recovered by the PNP. I leave here the list where you can see those who have already been rescued from the hands of thieves.

Tips to prevent being robbed

money cash

Nobody wants the savings invested in a car to go to market. That is why I advise you to avoid parking theft in dangerous areas. Public roads are NOT the best place to park a car for a long time, so it’s best to leave them in garages or secure parking places.

These are the steps you have to follow if your car was stolen. To prevent your finances shaking from the theft of your vehicle it is always better to take out vehicle insurance . A vehicle insurance is an investment that must leave your personal budget and that will allow you to be calm if the car theft should happen to you. There are even insurances that you return a car with the same characteristics of the stolen. Have you already bought your vehicle insurance? Which one do you recommend?


Credit despite attachment


A garnishment is carried out if the attached person has not fulfilled his obligations. However, this has been preceded by many reminders and an enforcement order. So you can confidently say that the attachment is the last instrument of the creditors.

Many people feverishly think about how they can still raise the money required to dissolve the attachment. As a rule, they do not have the money at their own disposal, otherwise they would certainly not have made it this far. The money must therefore be borrowed. And that is through a loan despite attachment.

A difficult undertaking

A difficult undertaking

Since the attachment is always noted with Credit Bureau, it is extremely difficult or impossible to take out a loan from a “normal” bank despite the attachment. Rather, in such a case, one has to contact private donors that can be found on the Internet. In order to find the right provider here, it should first be clarified where and what was seized. If the bailiff has seized something at home, it is less relevant than a garnishment. If the wages are seized, this can also be seen on the proof of income that must be presented with every loan application. And that makes the application even more difficult.

Ask for a loan

Ask for a loan

With a seizure in your own four walls, you can get a loan from many lenders despite the seizure and without Credit Bureau. Foreign banks will also have no problem with this, as the proof of income shows that money is regularly collected.

In the case of a garnishment of wages, on the other hand, you have to search a little longer and should not fall for dubious mediators. It is important that you generally do not make any advance payments. After all, you need money and don’t want to spend any. You should also look for a guarantor who additionally secures the borrowing. No lender will also reject valuables that can be offered as security.

So it is difficult to get a loan in such a situation. But if you optimize the requirements a little, a way will be found that can then help to avert the unpleasant attachment.

Why not buy a car on the first visit? 3 reasons to take into account

As much as the desire to move aboard your own car is irresistible, it is necessary to be patient when it comes to making such an important purchase. Many people are victims of emotion, get carried away by the pressure of sellers, and end up accepting a vehicle on their first visit to the dealership, despite not being 100% convinced or having tried different options.

Sellers are very skilled people and will seek to convince you not to leave the store without having given an advance or made any kind of deal; However, it is shown that the more information you gather and the more patience you take to make the purchase, the more satisfied you will be.

Do you want to know why you should not buy your car on the first visit? These are the three main reasons:


It will allow you to inform yourself without pressure

You can try different cars and see how comfortable you feel

By telling the seller that he will not buy the car at that time, he will get rid of the pressure they can exert to leave a guarantee or close the deal. Just get the information on different models and once you finish with a dealer, go to the next one and check what another brand offers you. At the end of the day, you can compare the information and see which one best met your expectations.


You can try different cars and see how comfortable you feel

You can try different cars and see how comfortable you feel

The first visit must be used to test the cars in which you are interested. Perform a test drive and then leave the dealer. You already have what you need: you know how you feel, how comfortable you are, etc.


You will get the best offer between dealers and banks

You will get the best offer between dealers and banks

If you only stay in one part of the city or in a single store, you cannot see what other brands or dealers offer. Remember that each one has different offers and if you already have the finalist models, what you have to do is see which one offers you a more interesting proposal. By taking the time to do so, you can compare all without pressure and objective driving.

In addition, the time needed to evaluate financing options must also be taken. Each brand may have a direct agreement with a bank or financial institution, but in the end, you are free to choose the one that suits you. The best thing is that before buying, you already have defined how you will finance the car. To achieve this, you can use the
tools available on the web, such as the Philogen Barnes comparator and
Find what would be the ideal credit for your profile.

Don’t forget, you should not give in to the pressure to buy a car as long as you don’t have all the necessary information. This will ensure that it is a smart purchase.