Real estate purchase without equity
- with a fair construction loan from credit SUN
Realizing the dream of owning your own home - financing can also make sense without equity
Young couples in particular who are building a life together, starting a family and want to build or buy a house in the process, often do not have enough equity to finance a home. Until now, the rule of thumb in the industry was to bring in at least 20 to 30 percent of the required amount of your own funds, so that at least the ancillary purchase costs are covered. But in a phase of low interest rates, it may even make more sense to take out a home loan without equity now instead of saving up capital for years, for which you hardly get any savings interest at the bank. The individual financial situation must of course be checked in each individual case. The decision should be carefully considered. Would you like to know whether mortgage lending without equity is worthwhile for you? The mortgage experts at Best Credit will be happy to calculate various scenarios for you and vary factors such as interest rate development, fixed interest rates, repayment rate and term. This offers you the ideal basis for decision-making for or against a home loan without equity.
Mortgage lending even in difficult cases thanks to careful credit checks and special mortgage lending programs
We don't just stubbornly work through a catalog of criteria - we check every financing request individually and with the necessary care. While most banks generally reject applicants with negative Schufa or excessively high installment credit charges, these are not per se reasons for a rejection for us. We work with financing partners who enable building financing even if the Schufa is negative - even without equity. It is true that the interest rate is higher in this case. But if our customer is financially able to pay his current mortgage installments on time according to his credit check, nothing stands in the way of a disbursement of the mortgage.
Request without obligation and free of charge
Are you currently thinking about mortgage lending, but have little or no equity? Simply send us your financing request - we will check your request without obligation and of course without processing fees. You will receive a personal contact person who is available for all questions and requests. After a credit check, you will receive your individual mortgage offer. In doing so, you do not enter into any obligations, you can decide in peace whether you want to accept our offer. We advise you without obligation and free of charge!
Bank-independent, customer-oriented and 25 years of experience
When it comes to mortgage lending, customers have been able to count on us for over 25 years. There are many providers on the German market. But Best Credit , a brand of Hegner & Möller GmbH, has been working with all relevant building finance partners on the market for over 25 years and has also set itself the task of not only serving "ideal" customers, but also supporting customers in particular, who can afford mortgage lending, but have been rejected by their house bank due to criteria that are often incomprehensible. Our core competence is therefore not only in the area of standard mortgage products, but also in the area of financing solutions for special customer segments. Our portfolio includes many special programs such as construction financing without equity, construction financing despite Schufa or installment loan rescheduling at real estate conditions.
Many can afford to buy their own property - even without equity
|Monthly rent:||€ 800.00|
| Property purchase price:|
(e.g. house + property)
| Additional purchase costs:|
(Real estate transfer tax, notary, etc.)
|Financing amount:||€ 270,000.00|
|Financing rate:||€ 787.50|
* with 3.5% annuity (e.g. 2% interest + 1.5% repayment)
Good to know:
The alternative to mortgage lending without equity capital would be to save up capital for years and only realize the dream of owning a home later. But currently there is little to no return on most investment products. In contrast, it is currently very cheap to borrow money from the bank. In around 10 years, the interest rate level for mortgage lending has probably already risen significantly. Whether it is better to conclude a cheap home loan without equity or whether it is better to save capital yourself and postpone your home finance project by 5 - 10 years cannot be answered in a general way, but is always an individual decision. Our construction finance experts will be happy to advise you.
It's that easy
Fill out the application online
Receipt of loan agreement after telephone consultation
Send the signed credit agreement and documents back to Best Credit
Receive the amount of money you want quickly
Just a few more steps to your home loan without equity:
No upfront costs. Non-binding inquiry. Without risk.
7 reasons for credit SUN
for special target groups
Individually for each applicant
of all loan offers
and without obligation
Satisfied customers - excellent reviews
"Thank you! A very nice, great service. Everything worked out great. I made a refinancing because it was much cheaper for me than at the previous bank (...) "
Jürgen P. from Würzburg
“Ways have been shown to us how we can save a great deal of money by refinancing. Why didn't we do that much earlier (...). "
Carsten G. from Harsefeld
“My total expenses for the repayment have been reduced enormously and I am liquid again. (...) I would go this way again at any time if I had financial problems. "
Michael F. from Berlin