For good loan advice you must of course go to an intermediary or bank. But there are plenty of tips on the internet to help you take out the most advantageous installment loan. With these tips you are able to maneuver yourself into a better negotiating position. Read the tips below carefully and apply them later during your intake at the bank. http://hpvtruth.org/loan-money-with-low-cost-%e2%86%92-apply-for-free-%e2%88%9a/ for further clarification
Convince with a file that is in order
For example, you use an installment loan to finance a new car or for a renovation. You can request this at the bank or through an intermediary. At the bank, however, you have the option of negotiating the interest and the term of the loan. Request a meeting with the bank manager and take a convincing file with you. Prepare well for the interview. As if it is an important job interview! Take for example important evidence.
Take proofs of what? You could think of proof that you have paid off loans you applied for in the past without any problems.
Have you taken out all your insurance policies elsewhere? Then indicate that you want to transfer it to the bank (with which you are negotiating the loan). The bank can earn extra from you, which improves your negotiating position. If you have already taken out insurance with this bank, emphasize this during the interview!
If you think that your income will increase in the future, then that is also a very good reason to provide detailed arguments. In any case, it is important to emphasize that your work situation is currently stable.
The bank wants to earn as much as possible from you. But you want to save as much money as possible. Play the game hard and give in as little as possible. Act if necessary that you are a good negotiator! Can the bank not lend you a certain amount and must you do it with a lower loan amount? Then indicate that you expect this from them.
Make sure that you also have the loan conditions and the framework conditions of other banks ready. During the interview, indicate that you might be able to borrow elsewhere on better terms.