Bank employees are increasingly using credit portals to close their accounts
Where do bankers borrow money? At your own bank, you might think so. But how much longer? More and more bankers are closing their loans via loan portals. Data from the Smava credit portal show that bank lending rates have almost doubled in the last two years (95%). “That may come as a surprise, but it is very obvious,” says Alexander Artopé, CEO of Smava. “Bankers give away unwilling money. We help you to save money. ”
Bankers borrowed in 2017 an average of 18,759 euros
The most common uses of the loans made by bankers through smava.de in 2017 were: free use, rescheduling, housing, and auto. Least of all borrowed for the 18 to 24-year-olds (9,468 euros), most of the 45 to 54-year-olds (23,655 euros).
“There are big interest rate differentials in the market. With loans totaling over € 10,000 and maturing over several years, they cause price differences of several hundred or even several thousand euros, “says Artopé. “Anyone who has to borrow money should not have to pay too much. We, therefore, help everyone to find the cheapest loan for him. ”
Bankers of all ages are increasingly banking on credit portals
The use of credit portals is not a matter of age. Across all age groups, almost twice as many bankers used Smava for a loan deal in 2017 as in 2015. Young bankers are putting particular emphasis on the credit portal. Among 18-24-year-olds, usage increased by 480 percent. At 112 percent, the group of 25 to34-year-olds follows. Among the 45 to 54-year-olds, use has almost doubled (93%). By 85 percent, the use has increased among the 35 to 44 year olds. With a 73 percent increase, the group of 55 to 64 year olds is no exception.
Trend goes to the conclusion of the loan on the Internet
Not only bankers realize the benefits of an online loan- Onlinetruckbuy. A GfK market study commissioned by the Bankenfachverband shows that in 2017, 27 percent of borrowers completed their loans on the Internet. That’s six percent more than in 2015. “More and more consumers are becoming aware that on the Internet, I get the same or even better performance on more favorable terms. So I benefit from the credit on the Internet, “says Artopé. “By 2018, more than 30 percent of the loans will be on the internet. In 2019, it will be almost 40 percent, “predicts Artopé.