Sometimes it can not be pushed further, the old kitchen has done its job, a new kitchen is being considered. Often, however, many underestimate what a new kitchen costs. If the outer body is not too expensive, then it is the built-in appliances such as stove, refrigerator or freezer, which run into the money.

Only a stove can be estimated at about 1,000 euros. Finally, the new devices should also bring energy benefits. The new appliances are all equipped with energy-saving features and cost money. Only a few people have several thousand euros to prepare for a new kitchen. Therefore, a credit for the kitchen is thought. This loan is available from multiple lenders when the outside environment is right. The credit for the kitchen currently has a strong growth. The change in energy policy is causing kitchen growers to see a sharp increase.

The credit for the kitchen

The credit for the kitchen

If you want to take credit for the kitchen, you should look at the price offers for a kitchen, but also compare loan offers. A kitchen purchase is not a spontaneous purchase, so the room must be measured and the space for the individual devices are selected. There are two ways to get a loan for the kitchen. So you can look around the seller of kitchens. Most kitchen sellers offer cheap financing proposals.

There must be a down payment of between 30 and 50%. With this financing, a contract with the company, which is usually a bank is closed. So you take the loan at the financing partner of the kitchen seller. If you are looking for a moderate kitchen salesman, financing for the company can be cheaper than a bank loan.

The possibilities

The possibilities

However, there may be a bank loan, which is often cheaper than the dealer financing. Also in this case the rule is: search and compare. Banks provide loans that are earmarked. The credit for the kitchen can not be used for anything else. The advantage is that the loans are cheaper than a regular loan. So many banks provide so-called modernization loans. If you apply for a loan from your house bank or another bank, you can use this money to act as a bar buyer with the merchant and get good discounts. Since a kitchen has a long service life, a new kitchen can be run for a long time, so the rates are not too high and easier to pay off.

The possibility of financing a new kitchen can be realized cheaply with an online loan. Anyone who uses the credit comparison can compare the cheap providers together. Even if there is no credit without interest, the credit for the kitchen from a direct bank can be cheaper, because the cost of borrowing is lower, as well as cash payments discounts can be made when you purchase the kitchen from the dealer.

The alternatives

The alternatives

A new kitchen is usually preceded by a long-term planning. But just as you plan the kitchen, you should also plan to borrow. So an expensive fitted kitchen should only be bought if you live in your own home or want to stay in the rental apartment long term. Because it is precisely the custom-made kitchens that drive up the price. Alternatively, there is a kitchen block to buy, which is significantly cheaper.
Who can not decide where he wants to buy his kitchen, the seller or with a bank loan, for which offers a credit comparison for free on the Internet.

Financing by manufacturers is not always cheaper, and the financing period is also crucial for the manufacturer. Because these usually offer short maturities, which of course drives up the installments. But the amount of single installments is the alpha and omega of the budget. Since a custom kitchen is an investment in the future, they are priced accordingly. But according to the quality, so does the period of use, but also the price. A long-term loan term allows for smaller installments, making a high quality fitted kitchen affordable.

Taking a credit period of 60 months, the kitchen dream can be practically fulfilled. With a five-year repayment period, a kitchen of 5,000 euros can be realized. If the kitchen is more expensive, there are also 84 monthly installments. The payment of the loan amount will be made approximately one week after receipt of order. The loan from the Internet can thus be done faster than the delivery of the kitchen.