Certain groups of consumers find it difficult to obtain credit and loans because of their professional and/or private situation. Especially students, freelancers and unemployed people are considered “difficult” customer groups. This does not mean that these customer groups are generally excluded from the credit market. But what possibilities are there for obtaining credit for those consumer groups?
There are consumer groups for whom borrowing is not easy. And perhaps a loan for students or during periods of unemployment is not always the best idea. Sometimes, however, there is no way around resorting to credit even in somewhat precarious situations. For example, when unforeseen expenses are pending or when no well-off family can help. Here is a brief summary of what you need to consider when applying for a loan as a student, unemployed or freelancer.
Temporary work has become increasingly popular on the UK labour market over the past two to three decades. This approach is helpful for many companies, for example, if they only need support for permanent employees in acute phases.
Companies or self-employed persons do not always have sufficient capital available to be able to continue to afford additional employees in permanent employment after the end of phases with particularly good order books. We will not discuss the pros and cons of the temporary and contract work model at this point. However, the dilemma of many borrowers who need a loan in temporary employment is already being discussed.
Learning on holiday – does it work at all? Yes, and really well! Ben tried it out and took a language trip to Nîmes in the south of France. For two weeks he learned French vocabulary and grammar during the day and tested what he had learned right in the evening when he went out.
“I wasn’t very good at French at school,” he says looking back. “I found it simply terribly boring to swot up on vocabulary just to take a test afterwards. I was very unmotivated. I lacked access to the language.”
The reason for taking out supplementary dental insurance is simple: in the event of expensive dental treatment, you want to save your wallet: Many insurers cover the difference to the insurance up to 100 percent or pay for additional orthodontic services. However, these insurances have one flaw: They usually only cover healthy teeth. If teeth are missing, dental treatment is recommended or has already been started, the insurer often refuses to admit the patient.
Congratulations on your first employment contract! The lean training and student years are finally over. But: Now some things have to be sorted out that were not on the to-do list so far. We show what is important in terms of finance and insurance – and what is not.
These three basic rules you should take to heart as a newcomer to the profession:
The cradle with smartphone control, the baby cot that imitates a moving car, a sleeping pad that monitors baby’s sleep via app: baby products are booming and manufacturers are launching new accessories every year. It is difficult for parents to decide which articles are useful and which ones, above all, take the money out of their pockets. Read here what your baby really needs to start life.
No matter whether you live in a new building or in an old house: If you are planning structural changes, you should protect yourself against unforeseen events. For example, with a builder’s liability insurance that covers accidents during the construction phase. If you save money at the wrong end, you may end up with unplanned costs. We have put together the most important conversion insurance policies for you so that you can master your conversion in the best possible way.
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