A kitchen is very often the focal point of an apartment. Because in the kitchen you meet, cook, tell and celebrate the most beautiful parties. So that this succeeds and the stay in the kitchen is not a pain, but a beautiful experience, it is important that it is not only spacious, but also well furnished.
Because a well-equipped kitchen that is perfectly matched to the users and the use themselves is not only a pleasure for the owners and nice to look at. It also ensures that the kitchen can really become the focal point of an apartment.
Unfortunately, it is not necessarily cheap to set up a kitchen properly. If you do not want to have a standard kitchen unit, you sometimes have to spend many thousands of euros to turn the dream of the perfect kitchen into reality.
A good credit for the kitchen helps
If the money for the purchase of a modern kitchen cannot be raised on your own, a loan for the kitchen helps. This can either be recorded directly at the kitchen studio that orders and delivers the kitchen, or at any bank. As with any borrowing, the basic requirement is a good credit rating, which ensures that the risk of default on loan repayment is low and therefore speaks for borrowing. Which loan option is the best depends on various criteria.
The credit for the kitchen from the kitchen studio
Fast, easy and convenient – this is how the loan offer that the kitchen studios in our country would like to offer can be described. Because only a financing offer is always provided, which is either taken as it is or not. This has the advantage that one does not have to search long to find a loan to finance the kitchen. You also save yourself a long paper war with banks, which you ask for a loan. In the kitchen studio, the seller can tell directly whether the financing is available or not.
On the other hand, it is disadvantageous that the comparison that is no longer available cannot be used to see how cheap the financing is. In addition, it is not possible to pay cash in the kitchen, which means that the cash payer discount that is often given is no longer applicable.
The loan for the kitchen from the bank
The kitchen loan, which can be taken out at any bank, is somewhat more complex, but in most cases cheaper. Usually the choice falls on a classic installment loan, which can be perfectly adapted to the costs for the kitchen. With the help of a comparison calculator it can be seen which bank has the best offers. Most banks are now able to take out a loan via the Internet, so that personal contact with a client advisor is not necessary.
The fact that a comparison can be used to look for particularly cheap offers is an advantage. On top of that, the kitchen can be paid in cash and the cash discount can be used. Since the installment loan is not earmarked, the money is paid out by the bank and not put directly into the payment of the kitchen.
The slight delay in the approval of the loan and the fact that you have to find suitable financing yourself may seem disadvantageous. However, if you ignore this, you are always better positioned with an independently sought installment loan for financing than with the offers made by the kitchen studios.