{"id":357,"date":"2020-08-26T20:18:28","date_gmt":"2020-08-26T18:18:28","guid":{"rendered":"https:\/\/ingermania.ro\/?p=357"},"modified":"2020-08-26T20:18:28","modified_gmt":"2020-08-26T18:18:28","slug":"credit-in-germania","status":"publish","type":"post","link":"https:\/\/ingermania.ro\/credit-in-germania\/","title":{"rendered":"Cum s\u0103 ob\u021bii un credit \u00een Germania? Instruc\u021biuni pas cu pas!"},"content":{"rendered":"<p>Dac\u0103 locui\u021bi \u00een Germania \u0219i, din anumite motive, ave\u021bi nevoie urgent\u0103 de mai mul\u021bi bani, pute\u021bi completa cererea de \u00eemprumut online. Postbank este una dintre b\u0103ncile care ofer\u0103 o astfel de op\u021biune. \u00cen acest articol v\u0103 vom ar\u0103ta cum s\u0103 completa\u021bi o cerere de \u00eemprumut online \u00een Germania folosind exemplul Postbank. Dar \u00eenainte vom r\u0103spunde la c\u00e2teva \u00eentreb\u0103ri pe care de obicei ni le pune\u021bi pe forum.<\/p>\n<h3><strong>Fiecare cet\u0103\u021bean rom\u00e2n are dreptul la un credit \u00een Germania?<\/strong><\/h3>\n<p>Da! Cu condi\u021bia s\u0103 \u00eendeplineasc\u0103 criteriile \u0219i cerin\u021bele b\u0103ncii germane alese. Mai jos po\u021bi citi mai multe despre cerin\u021bele b\u0103ncilor germane.<\/p>\n<h3><strong>Care sunt cerin\u021bele b\u0103ncilor germane pentru a putea solicita un credit?<\/strong><\/h3>\n<p>Fiecare rom\u00e2n care dore\u0219te s\u0103 primeasc\u0103 un credit \u00een Germania trebuie s\u0103 \u00eendeplineasc\u0103 urm\u0103toarele condi\u021bii:<\/p>\n<ul>\n<li>are domiciliul \u00eenregistrat \u00een Germania \u0219i<\/li>\n<li>are contract de munc\u0103 (angajare permanent\u0103) sau<\/li>\n<li>desf\u0103\u0219oar\u0103 o profesie liberal\u0103, germ. \u201eFreiberufler\u201d (contract de colaborare) sau<\/li>\n<li>are propria firm\u0103 \u0219i<\/li>\n<\/ul>\n<p>au un istoric de credit pozitiv \u00een \u201eSCHUFA\u201d, care verific\u0103 bonitatea \u00eemprumutatului (e bine de \u0219tiut c\u0103 de exemplu b\u0103ncile elve\u021biene nu verific\u0103 Schufa, astfel \u00eenc\u00e2t po\u021bi ob\u021bine un \u00eemprumut chiar \u0219i cu o istorie negativ\u0103 \u00een Schufa). Po\u021bi afla mai multe despre Schufa \u0219i despre cum po\u021bi ob\u021bine un extras din registru aici: <a href=\"https:\/\/ingermania.ro\/schufa\/\" target=\"_blank\" rel=\"noopener noreferrer\">SCHUFA &#8211; ce este \u0219i cum po\u021bi ob\u021bine un extras din registru?<\/a><\/p>\n<h3><strong>Fiecare rom\u00e2n are \u0219anse egale pentru un credit \u00een Germania dac\u0103 \u00eendepline\u0219te cerin\u021bele de mai sus?<\/strong><\/h3>\n<p>Din p\u0103cate nu. Forma de angajare, vechimea \u0219i bonitatea solicitantului joac\u0103 un rol important \u00een decizia de acordare a unui credit. Cel mai bine plasate sunt persoanele private cu contracte permanente de munc\u0103.<\/p>\n<p>Oamenii care se ocup\u0103 de propria afacere sau desf\u0103\u0219oar\u0103 o profesie liberal\u0103 sunt inclu\u0219i \u00een grupul debitorilor cu risc mai mare. \u00cen aceast\u0103 situa\u021bie, este foarte importanta vechimea companiei \u0219i documentarea acesteia (extrase de cont, adeverin\u021be de impozit). Dac\u0103 ai o afacere \u00een Germania de mai pu\u021bin de 12 luni, \u0219ansele de a ob\u021bine un credit nu sunt mari. Cu toate acestea merit\u0103 s\u0103 \u00eencerci depunerea unei cereri de credit online, deoarece nu cost\u0103 nimic.<\/p>\n<h3><strong>Credite \u00een Germania pentru diverse categorii profesionale<\/strong><\/h3>\n<p>Un medic care are propriul cabinet medical \u00een Germania va primi mai degrab\u0103 un credit pentru o sum\u0103 mai mare dec\u00e2t un student, un stagiar sau o persoan\u0103 care abia \u00ee\u0219i \u00eencepe cariera profesional\u0103. Pentru c\u0103 bine\u00een\u021beles b\u0103ncile germane vor s\u0103 fie sigure c\u0103 vor primi \u00eenapoi capitalul \u00eemprumutat. De asemenea, este important ca \u00eemprumutatul s\u0103 nu se \u00eempov\u0103reze excesiv atunci c\u00e2nd ia \u00eemprumutul. Prin urmare \u0219omerii pot lua un \u00eemprumut doar \u00een cazuri rare. La r\u00e2ndul lor, cei ce au propria firm\u0103 trebuie s\u0103 ofere alte garan\u021bii dec\u00e2t angaja\u021bii cu norm\u0103 \u00eentreag\u0103. Evaluarea situa\u021biei financiare individuale este de obicei baza pentru acordarea unui \u00eemprumut.<\/p>\n<h3><strong>Cum s\u0103 ai un istoric bancar bun \u00een SCHUFA?<\/strong><\/h3>\n<p>Utilizatorul nostru &#8222;seboc&#8221; (c\u0103ruia \u00eei mul\u021bumim aici!) ne-a \u00eemp\u0103rt\u0103\u0219it informa\u021bii despre cum po\u021bi ob\u021bine un istoric impecabil \u00eentr-un SCHUFA german\u0103. Ei bine, \u00een acest scop este suficient s\u0103 ai o carte de credit, care este pl\u0103tit\u0103 integral la sf\u00e2r\u0219itul lunii \u0219i s\u0103 o utilizezi uneori. Dup\u0103 c\u00e2teva luni, credibilitatea noastr\u0103 \u00een SCHUFA va fi maxim\u0103.<\/p>\n<h3><strong>C\u00e2t timp trebuie s\u0103 a\u0219tep\u021bi o decizie cu privire la un credit \u00een Germania?<\/strong><\/h3>\n<p>Dac\u0103 solicitantul este major \u0219i are bonitate, \u00eemprumutul este acordat la c\u00e2teva zile dup\u0103 primirea cererii de c\u0103tre banc\u0103. Mai ales Postbank este relativ rapid\u0103, a\u0219a c\u0103 merit\u0103 s\u0103 verifici oferta acestei b\u0103nci.<\/p>\n<h3><strong>Credit \u00een Germania, exemplul Postbank &#8211; informa\u021bii de baz\u0103<\/strong><\/h3>\n<p>\u00ce\u021bi prezent\u0103m procesul de solicitare online a unui credit \u00een Germania pe exemplul Postbank. Am ales aceast\u0103 banc\u0103 pentru c\u0103, \u00een opinia multor clien\u021bi, este una dintre cele mai bune din Germania \u0219i putem recomanda lini\u0219ti\u021bi serviciile sale. \u00cen partea de jos a articolului vei g\u0103si o list\u0103 de oferte de \u00eemprumuturi de la alte b\u0103nci, dac\u0103 din anumite motive nu vrei s\u0103 profi\u021bi de oferta Postbank. Mai jos po\u021bi g\u0103si informa\u021bii actuale despre credite la Postbank:<\/p>\n<ul>\n<li>Postbank ofer\u0103 \u00eemprumuturi cu valoarea cuprins\u0103 \u00eentre 3.000 \u0219i 50.000 EUR pentru o perioad\u0103 de 12 p\u00e2n\u0103 la 84 de luni<\/li>\n<li>Rata nominal\u0103 a dob\u00e2nzii variaz\u0103 \u00eentre 1,99% \u0219i 7,70% \u0219i depinde de bonitatea ta<\/li>\n<li>Dob\u00e2nda anual\u0103 efectiv\u0103 (DAE) \u00eencepe de la 3,7% \u00een cazul unei perioade de 12 luni pentru plata creditului<\/li>\n<li>Postbank ofer\u0103 rambursare flexibil\u0103 a \u00eemprumuturilor (Flexible R\u00fcckzahlung), adic\u0103 sunt posibile pl\u0103\u021bi suplimentare ca parte a ramburs\u0103rii creditului \u0219i o dat\u0103 pe an po\u021bi pl\u0103ti p\u00e2n\u0103 la 50% din suma datorat\u0103. Cu c\u00e2t creditul este pl\u0103tit mai repede, cu at\u00e2t dob\u00e2nda este mai mic\u0103<\/li>\n<\/ul>\n<p><strong>Exemplu<\/strong> (prezentat de Postbank):<\/p>\n<ul>\n<li>Suma net\u0103 a creditului: 10.000 de euro<\/li>\n<li>Termenul de rambursare este de 48 de luni (echivalent cu num\u0103rul de rate)<\/li>\n<li>Valoare unei rate 225 de euro<\/li>\n<li>Suma total\u0103: 10.774 de euro<\/li>\n<li>Dob\u00e2nda anual\u0103 efectiv\u0103 (DAE) este de 3,78%, iar dob\u00e2nda nominal\u0103 3,71%. Cel pu\u021bin dou\u0103 treimi dintre clien\u021bii care au completat cererea de credit online vor primi aceste condi\u021bii.<\/li>\n<\/ul>\n<h3><strong>Cum s\u0103 solici\u021bi online un credit \u00een Germania \u2013 Postbank<\/strong><\/h3>\n<p>Pentru a solicita online un credit la Postbank online, trebuie s\u0103 accesezi mai \u00eent\u00e2i site-ul b\u0103ncii:<\/p>\n<p><a href=\"https:\/\/medialead.de\/trck\/eclick\/795db8984520d245a87072317f103200\" target=\"_blank\" rel=\"noopener noreferrer\">Postbank Privatkredit direkt<\/a><\/p>\n<p>Completeaz\u0103 apoi cererea de \u00eemprumut, tip\u0103re\u0219te-o, semneaz-o \u0219i du-o \u00eempreun\u0103 cu toate actele necesare la cel mai apropiat oficiu po\u0219tal pentru a-\u021bi confirma identitatea. Documentele necesare sunt:<\/p>\n<ul>\n<li>adeverin\u021bele de salariu din ultimele 2 luni sau adeverin\u021bele de pensie\/pensie de handicap<\/li>\n<li>cartea de identitate sau pa\u0219aportul<\/li>\n<li>extrasul de cont complet pentru ultima lun\u0103<\/li>\n<\/ul>\n<h3><strong>Completarea cererii de credit \u00een Germania \u2013 instruc\u021biuni pas cu pas, exemplul Postbank<\/strong><\/h3>\n<p>Am preg\u0103tit special pentru tine instruc\u021biuni pas cu pas:<\/p>\n<div class=\"oxi-addons-container oxi-addons-container-4\">\r\n                 <div class=\"oxi-addons-row\"><div class=\"ctu-ultimate-wrapper-4\">\r\n             <div class=\"ctu-ulimate-style-4\"> <div class=\"vc-tabs-li vc-tabs-li-4-id-16\" ref=\"#ctu-ulitate-style-4-id-16\">\r\n                                Pasul 1 \r\n                                 <div class=\"ctu-absolute\"><\/div>\r\n                             <\/div> <div class=\"vc-tabs-li vc-tabs-li-4-id-17\" ref=\"#ctu-ulitate-style-4-id-17\">\r\n                                Pasul 2 \r\n                                 <div class=\"ctu-absolute\"><\/div>\r\n                             <\/div> <div class=\"vc-tabs-li vc-tabs-li-4-id-18\" ref=\"#ctu-ulitate-style-4-id-18\">\r\n                                Pasul 3 \r\n                                 <div class=\"ctu-absolute\"><\/div>\r\n                             <\/div> <div class=\"vc-tabs-li vc-tabs-li-4-id-19\" ref=\"#ctu-ulitate-style-4-id-19\">\r\n                                Pasul 4 \r\n                                 <div class=\"ctu-absolute\"><\/div>\r\n                             <\/div> <div class=\"vc-tabs-li vc-tabs-li-4-id-20\" ref=\"#ctu-ulitate-style-4-id-20\">\r\n                                Pasul 5 \r\n                                 <div class=\"ctu-absolute\"><\/div>\r\n                             <\/div> <div class=\"vc-tabs-li vc-tabs-li-4-id-21\" ref=\"#ctu-ulitate-style-4-id-21\">\r\n                                Pasul 6 \r\n                                 <div class=\"ctu-absolute\"><\/div>\r\n                             <\/div> <div class=\"vc-tabs-li vc-tabs-li-4-id-22\" ref=\"#ctu-ulitate-style-4-id-22\">\r\n                                Pasul 7 \r\n                                 <div class=\"ctu-absolute\"><\/div>\r\n                             <\/div> <div class=\"vc-tabs-li vc-tabs-li-4-id-23\" ref=\"#ctu-ulitate-style-4-id-23\">\r\n                                Pasul 8 \r\n                                 <div class=\"ctu-absolute\"><\/div>\r\n                             <\/div> <div class=\"vc-tabs-li vc-tabs-li-4-id-24\" ref=\"#ctu-ulitate-style-4-id-24\">\r\n                                Pasul 9 \r\n                                 <div class=\"ctu-absolute\"><\/div>\r\n                             <\/div> <div class=\"vc-tabs-li vc-tabs-li-4-id-25\" ref=\"#ctu-ulitate-style-4-id-25\">\r\n                                Pasul 10 \r\n                                 <div class=\"ctu-absolute\"><\/div>\r\n                             <\/div><\/div>\r\n                    <div class=\"ctu-ultimate-style-4-content \"> <div class=\"ctu-ultimate-style-heading-4 vc-tabs-li-4-id-16\" ref=\"#ctu-ulitate-style-4-id-16\"> \r\n                             Pasul 1\r\n                        <\/div>\r\n                        <div class=\"ctu-ulitate-style-4-tabs \" id=\"ctu-ulitate-style-4-id-16\">\r\n                        <div class=\"ctu-content-span\"><\/div>\r\n                            <p>Dac\u0103 ai f\u0103cut deja clic pe linkul de mai sus, atunci pe site-ul Postbank, trebuie s\u0103 faci clic pe Online Anfrage stellen pentru a continua s\u0103 completezi cererea de \u00eemprumut online.<\/p> <p><img class=\"wp-image-359 alignleft\" src=\"https:\/\/ingermania.ro\/wp-content\/uploads\/2020\/08\/Postbank-Credit-1.jpg\" alt=\"\" width=\"540\" height=\"425\" \/><\/p>\r\n                            \r\n                        <\/div> <div class=\"ctu-ultimate-style-heading-4 vc-tabs-li-4-id-17\" ref=\"#ctu-ulitate-style-4-id-17\"> \r\n                             Pasul 2\r\n                        <\/div>\r\n                        <div class=\"ctu-ulitate-style-4-tabs \" id=\"ctu-ulitate-style-4-id-17\">\r\n                        <div class=\"ctu-content-span\"><\/div>\r\n                            <p>Urm\u0103torul pas este s\u0103 furnizezi informa\u021bii despre valoarea \u00eemprumutului (1.) \u0219i data ramburs\u0103rii (2.). \u00cen acest moment, suma ratei lunare pentru credit va fi afi\u0219at\u0103 la punctul 3. (Rata Monatliche). Pentru a merge mai departe, f\u0103 clic pe Online-Anfrage ohne ID bancar (presupunem c\u0103 e\u0219ti un client nou al Postbank \u0219i nu ai \u00eenc\u0103 un num\u0103r de identificare). Dac\u0103 e\u0219ti deja client Postbank, atunci alege a doua op\u021biune, adic\u0103 \u201eOnline-Anfrage mit Postbank ID\u201d.<\/p> <p>&nbsp;<\/p> <p><img class=\"wp-image-360 alignleft\" src=\"https:\/\/ingermania.ro\/wp-content\/uploads\/2020\/08\/Postbank-Credit-2.jpg\" alt=\"\" width=\"601\" height=\"228\" \/><\/p>\r\n                            \r\n                        <\/div> <div class=\"ctu-ultimate-style-heading-4 vc-tabs-li-4-id-18\" ref=\"#ctu-ulitate-style-4-id-18\"> \r\n                             Pasul 3\r\n                        <\/div>\r\n                        <div class=\"ctu-ulitate-style-4-tabs \" id=\"ctu-ulitate-style-4-id-18\">\r\n                        <div class=\"ctu-content-span\"><\/div>\r\n                            <p>\u00cen continuare, furnizeaz\u0103 informa\u021bii despre \u00eemprumut:<\/p> <p>&nbsp;<\/p> <p><img class=\"wp-image-361 alignleft\" src=\"https:\/\/ingermania.ro\/wp-content\/uploads\/2020\/08\/Postbank-Credit-3.jpg\" alt=\"\" width=\"634\" height=\"624\" \/><\/p> <p>&nbsp;<\/p> <ol> <li>Mai \u00eent\u00e2i trebuie men\u021bionat dac\u0103 \u00eemprumutul are ca scop plata unui alt credit mai scump deja existent la o alt\u0103 banc\u0103 sau este un supliment pentru un credit existent la Postbank. Dac\u0103 nu este cazul, alege \u201dNein\u201d.<\/li> <li>Urm\u0103torul punct prezint\u0103 suma creditului pe care ai scris-o anterior. O po\u021bi schimba aici.<\/li> <li>\u00cen continuare, alegem dac\u0103 ne hot\u0103r\u00e2m asupra unei anumite perioade de rambursare (\u201eLaufzeit\u201d) sau a unei anumite valori a ratei (\u201eRata\u201d).<\/li> <li>\u00cen func\u021bie de ce ai ales mai sus (\u00een cazul nostru o perioad\u0103 de rambursare specific\u0103), introdu valoarea \u00een c\u00e2mpul urm\u0103tor (\u00een cazul nostru 48 de luni).<\/li> <li>Mai departe po\u021bi decide dac\u0103 rata creditului trebuie pl\u0103tit\u0103 la mijlocul lunii (\u201eMonatsmitte\u201d) sau la sf\u00e2r\u0219it (\u201eMonatsende\u201d).\u00a0 \u00a0<\/li> <li>\u00cen sec\u021biunea urm\u0103toare, introdu data na\u0219terii (zi, lun\u0103, an).<\/li> <li>\u00cen continuare po\u021bi decide \u00een ce m\u0103sur\u0103 asigurarea creditului este important\u0103 pentru tine (sehr wichtig = foarte important\u0103, wichtig = important\u0103, eher wichtig = destul de important\u0103) \u00een caz de \u0219omaj (Arbeitslosigkeit), incapacitate de munc\u0103 (Arbeitsunf\u00e4higkeit) \u0219i deces (Tod).<\/li> <li>La ultimul punct, alege \u201eJa\u201d dac\u0103 de\u021bii o asigurare care ar putea fi folosit\u0103 ca asigurare de credit sau \u201eNein\u201d dac\u0103 nu ai o astfel de asigurare.<\/li> <\/ol> <p>\u00cen partea de jos a paginii po\u021bi alege asigurarea de credit:<\/p> <p><img class=\"wp-image-362 alignleft\" src=\"https:\/\/ingermania.ro\/wp-content\/uploads\/2020\/08\/Postbank-Credit-3.1.jpg\" alt=\"\" width=\"609\" height=\"317\" \/><\/p> <p>&nbsp;<\/p> <p>1. Nicio asigurare<\/p> <p>2. Asigurare de baz\u0103 (\u00een caz de deces)<\/p> <p>3. O asigurare mai bun\u0103 (\u00een caz de deces \u0219i incapacitate de munc\u0103)<\/p> <p>4. Asigurare premium (\u00een caz de deces, incapacitate de munc\u0103 \u0219i \u0219omaj)<\/p>\r\n                            \r\n                        <\/div> <div class=\"ctu-ultimate-style-heading-4 vc-tabs-li-4-id-19\" ref=\"#ctu-ulitate-style-4-id-19\"> \r\n                             Pasul 4\r\n                        <\/div>\r\n                        <div class=\"ctu-ulitate-style-4-tabs \" id=\"ctu-ulitate-style-4-id-19\">\r\n                        <div class=\"ctu-content-span\"><\/div>\r\n                            <p>Apoi sunt afi\u0219ate informa\u021biile despre creditul selectat (1.):<\/p> <p>&nbsp;<\/p> <p><img class=\"wp-image-363 alignleft\" src=\"https:\/\/ingermania.ro\/wp-content\/uploads\/2020\/08\/Postbank-Credit-4.jpg\" alt=\"\" width=\"624\" height=\"395\" \/><\/p> <p>&nbsp;<\/p> <ol start=\"2\"> <li>\u00cen afar\u0103 de asta Postbank prezint\u0103 \u0219i alte oferte...<\/li> <li>...\u0219i oferte cu asigurare de credit.<\/li> <\/ol>\r\n                            \r\n                        <\/div> <div class=\"ctu-ultimate-style-heading-4 vc-tabs-li-4-id-20\" ref=\"#ctu-ulitate-style-4-id-20\"> \r\n                             Pasul 5\r\n                        <\/div>\r\n                        <div class=\"ctu-ulitate-style-4-tabs \" id=\"ctu-ulitate-style-4-id-20\">\r\n                        <div class=\"ctu-content-span\"><\/div>\r\n                            <p>Urm\u0103torul pas este furnizarea datelor personale:<\/p> <p>&nbsp;<\/p> <p><img class=\"wp-image-364 alignleft\" src=\"https:\/\/ingermania.ro\/wp-content\/uploads\/2020\/08\/Postbank-Credit-5.jpg\" alt=\"\" width=\"615\" height=\"587\" \/><\/p> <p>&nbsp;<\/p> <ol> <li>Aici trebuie men\u021bionat dac\u0103 vor exista doi \u00eemprumuta\u021bi (\u201eJa\u201d) sau doar unul (\u201eNein\u201d).<\/li> <li>\u00cen continuare, furniz\u0103m date personale: formula de adresare (\u201eAnrede\u201d, alege sexul), eventual titlul academic (\u201eTitel\u201d), toate numele (\u201eS\u00e4mtliche Vornamen\u201d), numele de familie (\u201eNachname\u201d) \u0219i la final starea civil\u0103 (\u201eFamilienstand\u201d).<\/li> <li>Introdu apoi locul na\u0219terii \u0219i na\u021bionalitatea.<\/li> <li>Dac\u0103 \u00ee\u021bi cuno\u0219ti num\u0103rul de identificare fiscal\u0103, po\u021bi selecta \u201eJa\u201d \u0219i \u00eel po\u021bi introduce. \u00cen caz contrar, nu este necesar s\u0103-l furnizezi (are scopul de a-\u021bi facilita identificarea \u0219i s\u0103 accelereze \u00eentregul proces).<\/li> <li>Mai departe scrie adresa ta, strada (\u201eStra\u00dfe\u201d), num\u0103rul casei (\u201enr\u201d), codul po\u0219tal (\u201ePLZ\u201d), localitatea (\u201eOrt\u201d).<\/li> <li>La sf\u00e2r\u0219itul acestei sec\u021biuni, trebuie s\u0103 men\u021bionezi dac\u0103 locuie\u0219ti \u00een acest loc de mai mult de trei ani (\u201eJa\u201d) sau mai pu\u021bin ( \u201eNein\u201d).<\/li> <\/ol> <p>\u00cen continuare introdu datele de contact:<\/p> <p>&nbsp;<\/p> <p><img class=\"wp-image-365 alignleft\" src=\"https:\/\/ingermania.ro\/wp-content\/uploads\/2020\/08\/Postbank-Credit-5.1.jpg\" alt=\"\" width=\"624\" height=\"386\" \/><\/p> <p>&nbsp;<\/p> <ol> <li>Num\u0103rul de telefon (Vorwahl - prefix, Rufnummer \u2013 num\u0103rul de telefon), E-mail.<\/li> <li>Acceptul de a fi contact pentru informa\u021bii \u2013 po\u021bi alege dac\u0103 vrei s\u0103 fii contacta prin telefon sau e-mail.<\/li> <li>Acceptul pentru prelucrarea datelor cu caracter personal.<\/li> <li>Informa\u021bii despre tipul de angajare, de ex. Angestellt(er) - angajat.<\/li> <li>Angajat de la (luna, an).<\/li> <li>Angajat temporar p\u00e2n\u0103 la (luna, an).<\/li> <\/ol> <p>Dup\u0103 ce faci clic pe butonul \u201eWeiter\u201d, Postbank men\u021bioneaz\u0103 existen\u021ba serviciu special prin care Postbank prime\u0219te acces la contul t\u0103u \u00een care \u00ee\u021bi prime\u0219ti salariul. Acest lucru are scopul s\u0103 gr\u0103beasc\u0103 procesul de verificare \u0219i de acordare a creditului. Dac\u0103 nu e\u0219ti de acord, f\u0103 clic pe \u201eWeiter ohne Fremdbankservice\u201d:<\/p> <p>&nbsp;<\/p> <p><img class=\"size-full wp-image-366 alignleft\" src=\"https:\/\/ingermania.ro\/wp-content\/uploads\/2020\/08\/Postbank-Credit-5.2.jpg\" alt=\"\" width=\"300\" height=\"272\" \/><\/p>\r\n                            \r\n                        <\/div> <div class=\"ctu-ultimate-style-heading-4 vc-tabs-li-4-id-21\" ref=\"#ctu-ulitate-style-4-id-21\"> \r\n                             Pasul 6\r\n                        <\/div>\r\n                        <div class=\"ctu-ulitate-style-4-tabs \" id=\"ctu-ulitate-style-4-id-21\">\r\n                        <div class=\"ctu-content-span\"><\/div>\r\n                            <p>La pasul urm\u0103tor, trebuie s\u0103 furnizezi informa\u021bii despre gospod\u0103rie \u0219i venituri:<\/p> <p>&nbsp;<\/p> <p><img class=\"wp-image-367 alignleft\" src=\"https:\/\/ingermania.ro\/wp-content\/uploads\/2020\/08\/Postbank-Credit-6.jpg\" alt=\"\" width=\"611\" height=\"498\" \/><\/p> <p>&nbsp;<\/p> <ol> <li>Men\u021bioneaz\u0103 num\u0103rul copiilor t\u0103i care primesc Kindergeld.<\/li> <li>Men\u021bioneaz\u0103 c\u00e2te persoane sunt \u00een gospod\u0103rie (inclusiv copii(<\/li> <li>Men\u021bioneaz\u0103 suma veniturilor totale nete din luna precedent\u0103.<\/li> <li>Aici este men\u021bionat\u0103 valoarea Kindergeld.<\/li> <li>Men\u021bioneaz\u0103 veniturile ob\u021binute din desf\u0103\u0219urarea unei profesii liberale (dac\u0103 este cazul).<\/li> <li>Men\u021bioneaz\u0103 veniturile ob\u021binute din chirii (dac\u0103 este cazul).<\/li> <li>Men\u021bioneaz\u0103 veniturile ob\u021binute dintr-un Minijob (dac\u0103 este cazul).<\/li> <li>Men\u021bioneaz\u0103 veniturile ob\u021binute din pensia alimentar\u0103 (dac\u0103 este cazul).<\/li> <li>Men\u021bioneaz\u0103 veniturile provenite din aloca\u021bia pentru locuin\u021b\u0103 sau ajutorul pentru nev\u0103z\u0103tori (dac\u0103 este cazul).<\/li> <\/ol> <p>\u0218i informa\u021bii despre cheltuieli<\/p> <p>&nbsp;<\/p> <p><img class=\"wp-image-368 alignleft\" src=\"https:\/\/ingermania.ro\/wp-content\/uploads\/2020\/08\/Postbank-Credit-6.2.jpg\" alt=\"\" width=\"581\" height=\"424\" \/><\/p> <p>&nbsp;<\/p> <ol> <li>Mai \u00eent\u00e2i precizeaz\u0103 dac\u0103 \u00eenchiriezi un apartament (zur Miete) sau locuie\u0219ti \u00een apartamentul proprietate personal\u0103 (im Eigentum).<\/li> <li>Men\u021bioneaz\u0103 valoarea \u00eentre\u021binerii \u0219i utilit\u0103\u021bilor.<\/li> <li>Rate la credite (dac\u0103 este cazul).<\/li> <li>Rate la un credit pentru construirea locuin\u021bei (dac\u0103 este cazul).<\/li> <li>\u00a0 Rate leasing (dac\u0103 este cazul).<\/li> <li>Alte rate.<\/li> <li>Valoarea pensiei alimentare pl\u0103tite (dac\u0103 este cazul).<\/li> <li>Costul asigur\u0103rii medicale private.<\/li> <\/ol> <p>Pentru a merge mai departe, clic pe \"Weiter\" (Mai departe).<\/p>\r\n                            \r\n                        <\/div> <div class=\"ctu-ultimate-style-heading-4 vc-tabs-li-4-id-22\" ref=\"#ctu-ulitate-style-4-id-22\"> \r\n                             Pasul 7\r\n                        <\/div>\r\n                        <div class=\"ctu-ulitate-style-4-tabs \" id=\"ctu-ulitate-style-4-id-22\">\r\n                        <div class=\"ctu-content-span\"><\/div>\r\n                            <p>Unul din ultimii pa\u0219i \u00een procesul de ob\u021binere a unui credit \u00een Germania este furnizarea detaliilor contului \u00een care trebuie transferat \u00eemprumutul:<\/p> <p>&nbsp;<\/p> <p><img class=\"wp-image-369 alignleft\" src=\"https:\/\/ingermania.ro\/wp-content\/uploads\/2020\/08\/Postbank-Credit-7.jpg\" alt=\"\" width=\"614\" height=\"451\" \/><\/p> <p>&nbsp;<\/p> <ol> <li>Aici alege \u201eJa\u201d dac\u0103 contul furnizat este contul \u00een care urmeaz\u0103 s\u0103 fie transferat \u00eemprumutul, dar \u0219i cel din care vor fi retrase ratele lunare.<\/li> <li>Mai departe trebuie sa \u00ee\u021bi dai acordul pentru prelucrarea datelor cu caracter personal.<\/li> <\/ol>\r\n                            \r\n                        <\/div> <div class=\"ctu-ultimate-style-heading-4 vc-tabs-li-4-id-23\" ref=\"#ctu-ulitate-style-4-id-23\"> \r\n                             Pasul 8\r\n                        <\/div>\r\n                        <div class=\"ctu-ulitate-style-4-tabs \" id=\"ctu-ulitate-style-4-id-23\">\r\n                        <div class=\"ctu-content-span\"><\/div>\r\n                            <p>Urm\u0103toarea pagin\u0103 este sumarul. Aici po\u021bi verifica toate informa\u021biile introduse p\u00e2n\u0103 acum:<\/p> <p>&nbsp;<\/p> <p><img class=\"wp-image-370 alignleft\" src=\"https:\/\/ingermania.ro\/wp-content\/uploads\/2020\/08\/Postbank-Credit-8.jpg\" alt=\"\" width=\"602\" height=\"206\" \/><\/p> <p>Dac\u0103 totul este corect, trebuie doar s\u0103 salvezi formularul f\u0103c\u00e2nd clic pe butonul \"Speichern und weiter\".<\/p>\r\n                            \r\n                        <\/div> <div class=\"ctu-ultimate-style-heading-4 vc-tabs-li-4-id-24\" ref=\"#ctu-ulitate-style-4-id-24\"> \r\n                             Pasul 9\r\n                        <\/div>\r\n                        <div class=\"ctu-ulitate-style-4-tabs \" id=\"ctu-ulitate-style-4-id-24\">\r\n                        <div class=\"ctu-content-span\"><\/div>\r\n                            <p>La final Postbank afi\u0219eaz\u0103 o ofert\u0103 de credit mai mare dac\u0103 datele introduse indic\u0103 o bonitate crescut\u0103:<\/p> <p>&nbsp;<\/p> <p><img class=\"wp-image-371 alignleft\" src=\"https:\/\/ingermania.ro\/wp-content\/uploads\/2020\/08\/Postbank-Credit-9.jpg\" alt=\"\" width=\"612\" height=\"464\" \/><\/p>\r\n                            \r\n                        <\/div> <div class=\"ctu-ultimate-style-heading-4 vc-tabs-li-4-id-25\" ref=\"#ctu-ulitate-style-4-id-25\"> \r\n                             Pasul 10\r\n                        <\/div>\r\n                        <div class=\"ctu-ulitate-style-4-tabs \" id=\"ctu-ulitate-style-4-id-25\">\r\n                        <div class=\"ctu-content-span\"><\/div>\r\n                            <p>La final Postbank afi\u0219eaz\u0103 o ofert\u0103 de credit mai mare dac\u0103 datele introduse indic\u0103 o bonitate crescut\u0103<\/p> <p>&nbsp;<\/p> <p><img class=\"wp-image-372 alignleft\" src=\"https:\/\/ingermania.ro\/wp-content\/uploads\/2020\/08\/Postbank-Credit-10.jpg\" alt=\"\" width=\"586\" height=\"512\" \/><\/p> <p>&nbsp;<\/p> <ol> <li>Mai \u00eent\u00e2i trebuie s\u0103 descarci formularul \u0219i s\u0103 \u00eel cite\u0219ti.<\/li> <li>Apoi semneaz\u0103 formularul. Acest lucru se poate face electronic. Pentru aceasta ai nevoie de cartea de identitate \u0219i un dispozitiv cu o camer\u0103 pentru a fi identificat.<\/li> <li>Apoi, \u00eencarc\u0103 formularul pe pagin\u0103 cu butonul \"Zum Kundenbereich\".<\/li> <\/ol> <p>Alternativ, po\u021bi semna de m\u00e2n\u0103 formularul, tip\u0103ri \u0219i duce la cea mai apropiat\u0103 sucursal\u0103 Postbank.<\/p>\r\n                            \r\n                        <\/div><\/div><\/div>   <\/div>\r\n              <\/div>\n","protected":false},"excerpt":{"rendered":"<p>Dac\u0103 locui\u021bi \u00een Germania \u0219i, din anumite motive, ave\u021bi nevoie urgent\u0103 de mai mul\u021bi bani, pute\u021bi completa cererea de \u00eemprumut online. Postbank este una dintre b\u0103ncile care ofer\u0103 o astfel de op\u021biune. \u00cen acest articol v\u0103 vom ar\u0103ta cum s\u0103 completa\u021bi o cerere de \u00eemprumut online \u00een Germania folosind exemplul Postbank. Dar \u00eenainte vom r\u0103spunde [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":358,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[4],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.12 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Cum s\u0103 ob\u021bii un credit \u00een Germania? Instruc\u021biuni pas cu pas! - InGermania<\/title>\n<meta name=\"description\" content=\"Vrei s\u0103 iei un credit \u00een Germania? 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