Credit after graduation
After graduation, many graduates are faced with the question of what to do next in life. If the first job is sought? Should still write a thesis, so that there is a doctoral degree? Or should even be connected to a further study?
If you ask yourself such questions as a young person, you are doing nothing more than planning your future life. Because setting the right course determines which direction to take in the future.
Often a full-time job is sought after after graduation. Finally, one has studied exactly for this reason, in order to be able to pursue a regular and hopefully well-paid job afterwards. But the problem with this plan usually lies in the details. Because in many cases it is so that the study place and the job are not in a city. A move must therefore be planned. Get out of the hotel mama or the student dormitory or the shared apartment and into your first own apartment. In addition, in many cases, a car of one's own is needed in order to be flexible enough to take on any job. Since there is usually hardly any savings, what former students can show, a loan must be taken out after graduation.
The conditions are not ideal
Former graduates of a university or a technical college are not necessarily the banks' favorite customers when it comes to a loan after graduation. While you have achieved a high-quality degree. This does not mean however automatically that immediately a well paid and above all firm job waits for you. While engineers, educators or even doctors or economists are currently desperately sought, there are subjects such as law and the natural sciences, where there may be some problems in terms of finding a job.
The banks and savings banks know this of course and orient themselves accordingly with the granting of a credit after the study. While a loan with conditions is quite possible for courses of study with good career prospects, graduates of less popular courses of study have great difficulty in taking out a loan after graduation.
What conditions could there be?
Since a fixed income is not yet given directly after the study, it must be considered whether the credit is either still a little deferred or whether it is taken up with assistance.
If it can be deferred until a permanent employment contract is in place, the former student can resort to a variety of credit offers. He then brings namely the most important condition for borrowing with him. Namely, a fixed and hopefully high income. Only the schufa must be correct then still, so that for the credit all doors and gates are opened.
However, if the loan request cannot be deferred, the loan after graduation will only be available if the former student is willing to take help for it. The help must be in the form of a second borrower, who must have a good income and a positive schufa. Then a small credit could be possible, which can be used for the first purchases.
Is there a special promotion?
Those who still want to write their doctoral thesis after graduation and need a loan for it can obtain it through special funding programs. Who finds on the other hand only once no firm employment after the study, which should announce itself absolutely unemployed. If during the job search a good job offer arises, which can be accepted, the employment office can be asked for financial support. This offers namely interest-free small loans, if with it the admission to work is promoted. This small loan can be used to finance the move and other important things that are important for starting a job after graduation. Repaid in small installments, which can be individually coordinated with the employment office.