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StripChat Review – What You Should Know About This Site

StripChat is one of the newest and hottest of the free adult chat rooms. The number of people having accounts here is growing at a very fast rate. This is great for all of us, since so many of us are having sex on the internet these days.

How does StripChat works?

How does StripChat works?

It is hard to explain how StripChat actually works. Basically, each user has a private chat room to go into that only they have access to. While this sounds very simple, it actually offers you more than just privacy and anonymity.

You can bring in other people and hook up with them too through StripChat. Since it’s all private, you won’t have to worry about being exposed. You can also keep your conversation with each other very short because it’s all web cam chat.

If you like what you see in the StripChat review, then you can check out the website and sign up for an account. You’ll have access to their rooms once you’re a member. After that, you can start using it right away.

You can use it to meet new people and see who is visiting different sites on the web. It doesn’t matter if you are in the US or in Europe. If you live in the US, the internet is open to you.

There is no membership fee

There is no membership fee

The membership fee is really affordable for the amount of space you get to use. It may be a little bit more expensive than some of the other adult chat rooms out there, but the price is really worth it. It is, after all, free to use.

If you want to sign up and use it for free space, all you have to do is fill out a form and you will receive a free code. Itwill be delivered to your email address. If you choose to cancel your membership and want to give it back, you have thirty days to do so.

By using the site, you can always expect to have some fun. Some of the activities can be things like chatting with people in the same room, or getting to know them a little better and even talking about certain subjects. It can be a lot of fun.

How about paying a membership fee?

How about paying a membership fee?

There are people who swear by their free membership to StripChat. Most of the time, they end up losing their membership and trying the paid service out. So it really depends on what you are looking for.

If you are serious about meeting new people online, then a monthly membership fee may be more than you want to pay. However, if you just want to make new friends, then a small monthly fee may be fine. However, you can use it for free, or as much as you want, as long as you abide by the rules.

Since most of the people who access online chat rooms are people in the same country, a free membership is something to consider. Once you have signed up for a free account, you can start chatting with others. You may find your friends are very interesting and helpful, and it may lead to a real friendship.

In the end, you should decide for yourself if a free account is something you want to try. You will always be able to look at different services and see which one suits you the best. When it comes to sex online, it is always good to get a little guidance.

Shagle – Nude Chat For Women Review

Shagle – Nude Chat For Women is an adult dating service that offers chat rooms for women. The site features free and paid membership options, and there are chat rooms that you can find in both categories.

Great for both men and women

Great for both men and women

This site has features that are great for both men and women. If you are looking for ways to find a hot, nude woman to chat with or perhaps would like to sign up as a member to use the features of the site, read on.

There are many features that make the site better than any other adult dating service. Some of the features include nude chat for women and groups for both men and women. In this article, we’ll talk about some of the features of Shagle – Nude Chat For Women.

The feature that is very appealing to men is the ability to chat with a naked woman. It is safe to say that many men will love this feature of the site. You don’t have to worry about revealing your penis in order to chat with a beautiful woman. The nude chat feature is very popular, and there are many people who have enjoyed talking to naked women.

Need to talk dirty in order to attract the woman

Need to talk dirty in order to attract the woman

This is not the case with all adult dating services. The nude chat option is great, but the nudity comes at a price. If you would like to use the nude chat option of Shagle – Nude Chat For Women, you will have to pay a fee in order to use it.

This feature is great for a number of reasons. Men love the fact that they don’t have to worry about finding a woman to chat with or that they will need to talk dirty in order to attract the woman to them. Nude chat is definitely a way to find a person to spend time with.

Another great feature of the nude chat option is the ability to easily get in touch with other members. It will be easier for you to send messages to your friends when you don’t have to worry about being too forward. No matter what kind of message you want to send, you can do so without worrying about other members getting too freaked out.

Nudity that is present in the nude chat room is 100% private

Nudity that is present in the nude chat room is 100% private

If you are worried about the privacy of your messages, you will be happy to know that the nudity that is present in the nude chat room is 100% private. You will be able to chat with complete strangers without worrying about being overheard or causing someone else to feel uncomfortable. It is a very cool feature of the site.

You will also be able to send sexy lingerie. This may sound strange, but it will actually work. If you are worried about sending a photo of yourself, it will actually work as long as you include the recipient’s name in the photo.

There are many more features that are available on Shagle – Nude Chat For Women. However, these are some of the most popular ones that you should look into.

Have to pay a small fee

Have to pay a small fee

In order to get a trial membership, you will have to pay a small fee. The site also offers free membership that will only be good for thirty days. If you like the features of the site, you will have to pay the small fee in order to continue using the site.

If you would like to find a hot, nude woman to chat with, you will have to sign up for a free trial membership of Shagle – Nude Chat For Women. The site features beautiful, gorgeous women that you can chat with if you would like to. You can also send a message to your friends to tell them where you are located, and how you are doing.

Stripchat Adult Sex Chat Reviews

Stripchat adult chat is known for having very fun and exciting online adult chat. You get to talk to other girls who all look like you, and they tell you what they like and don’t like. Most of the time, when you join, you can also make your own profiles and choose your own picture.

Different chat sites that offer adult chat

Different chat sites that offer adult chat

Many of the people on the stripchat site have been married and now are single again. They are either single and looking for a new relationship, or they are looking for more of a male escort experience.

It is a good idea to take the time to check out the website before you decide to use adult chat. The reviews are all over the place, so you can always find what you are looking for.

While there are many different chat sites that offer adult chat, you will find that Stripchat adult sex chat is one of the best available. You can usually tell how long the member has been going to the site because some of them have been here a year or more.

Many people still visit the site regularly to this day, and it is good to know that they are not just a couple of regulars. Many of the members on stripchat can offer a true and honest review on how the online adult chat has helped them.

Have an experience with an adult sex chat

Have an experience with an adult sex chat

There are hundreds of women all around the world that enjoy the experience of talking to another woman while having an erotic experience. They know that they are going to get help with what they are trying to accomplish.

When you sign up to an online adult chat, you can really see just how much it helps the people that are using it. This is why you should be sure that you are signing up for something that is going to be right for you.

You should not have to pay to have an experience with an adult sex chat. You can join with no credit card and have an experience without paying anything.

You might find yourself talking to a young lady, and they might tell you about the most enjoyable experience that they have had with a male escort. You will probably not pay any money for the membership to the site, but the members that do enjoy the service have a lot of compliments and appreciation for it.

The guys bring you two sexy flash movies

The guys bring you two sexy flash movies

It is nice to look forward to the night when you are getting ready for bed and the guys bring you two sexy flash movies. You will want to spend the rest of the night just taking care of each other.

There are also forums and message boards that you can sign up for at Stripchat. This is a good way to get advice, tips, and suggestions from others that are experiencing the same thing as you are.

So you should check out the website at Stripchat before you go to the site and try to find what you are looking for. You will be happy you did when you find the website is really right for you.

ChatRandom – Nude Review

ChatRandom – Nude Chat Is One Of The Most Sexy And Unique Chat Addicts Ever! Read This Review!

If you’re someone who is a very sexually adventurous type, you’ve probably tried some kind of anonymous sex chat. While many of them are pretty much just places to meet people for an adult fling, there are others that take the idea of chatting up strangers to the next level. These private chat rooms are a great way to try out a new type of sex act.

Here’s the ChatRandom – Nude review


ChatRandom is a network of chat rooms filled with mostly anonymous chat room users. Unlike the usual chat rooms, you’ll find on the internet, in this network you can become a master of taboo sex acts.

The ChatRandom – Nude chat network is a place where women are willing to perform oral sex on men, as well as erotic and kinky sex acts. If you’re looking for a sexual thrill then this is the network for you. In fact, you can become a sex slave to your woman and any other woman who joins the network, as long as you’re mature enough.

What makes the Network so hot is the fact that it’s all about women and men. Most networks are set up with women who only chat with other women. This way they can pretend to be a man, flirt with them, and have some fun while they’re at it.

However, that isn’t the case here, as men and women are all allowed to chat. You can find partners, yes, but you can also find some serious fun if you do so. This is why the ChatRandom – Nude network is so important because it is setting a new precedent for the modern sexual world. You can find every kind of sex act that you can imagine in a variety of virtual settings.

From the classic to the wildest and most perverted, this ChatRandom – Nude is one of the best sites for kinky sex. There are also many people in chat rooms all over the world, so you don’t even have to travel a great distance to get some naughty sex.

What sets the ChatRandom

What sets the ChatRandom

Nude apart from the rest of the networks is the fact that everyone is logged into the chatroom at the same time. That means that you can get together with several friends or even just a single woman or man and have some very wild fun in the privacy of your own home.

For more people who want to try something different, you can also join the ChatRandom – Nude network to try out various unique and exotic sex acts that you may not be able to find anywhere else. Many of the things you’ll find are just crazy and completely original, but some of them are quite bizarre as well.

While it’s true that you can always find kinky sex acts that are just plain bizarre, there are some that aren’t typical at all. It’s the choice of the person joining the network, so it really doesn’t matter which kind of person you are, as long as you’re willing to try something new.

So if you’re looking for an alternative

So if you

To what you may find in some traditional networks, you should definitely look into ChatRandom. Whether you want to try out the traditional side of things, or if you’re the wild side that really wants to venture into the unknown, this is the perfect network for you.

So what are you waiting for? You don’t want to miss out on a chance to try out a new kind of sexuality, so head on over to the ChatRandom – Nude network and see what happens.

Where Is Title Loans Locating?


If you are one of the thousands of people who have recently become aware of the title loan market then you have probably become concerned about where these loans are now. You may have even been wondering where they are located. Unfortunately, you are not alone and there are literally hundreds of places that the loans can be purchased and a few of them are going to be listed here.

Where can I find the right place for my loan?

Where can I find the right place for my loan?

To help you find the right places for your loan, let’s first talk about how the places are listed and who is showing up in the search results. This can get rather complicated and that is one of the reasons why we are including the list below. If you know how to search for a loan online, you can skip to the following paragraphs to find the type of loans that are currently being offered by the lending firms in your area.


The search is straightforward. The agencies advertise online and you can get on the phone or use the Internet to find the best lending locations. Now, how many loans are you searching for?


Once you figure out where to go, it’s time to decide what type of loan you want. There are several types of loans and all you need to do is determine which ones are right for you. In this case, let’s say you want a refinance of a mortgage. When you are ready to make your decision, take a look at all the options and figure out which will work best for you.

Loans best for you

Loans best for you

A mortgage is similar to a personal loan, but you are making monthly payments to the bank holds the title to the property. If you are looking for a short term loan and would like to try a new car before making a long term commitment, you might consider buying a vehicle with a new loan.


A car loan is another option but you are going to have to pay cash for the vehicle. With a car loan, you are going to pay back a smaller amount of money over a longer period of time. If you are going to use a car loan for a seasonal purchase or something you don’t really need right now, a cash loan might be the best way to go.


If you want a loan that you can pay back with interest, then a home equity loan may be the answer. This type of loan has a lot of perks that are not available with a traditional car loan. It works well for refinancing a mortgage as well as people who are just starting a business.


The one thing that makes these loans special is that the lender in question takes a big stake in your home. This is great if you are trying to qualify for a home equity loan because you will end up getting a better deal in terms of interest rates and payments. If you are an investor or just don’t have enough equity in your home for a conventional loan, a home equity loan may be the answer.


To get a loan that is like this, you need to have equity in your home and if you are only having trouble meeting the minimum requirements, consider refinancing with a home equity loan. This type of loan gives you money without having to pay the entire price upfront and even offers tax breaks as well.


If you want to move out of your parents’ house and still have some money left, a refinance of your mortgage may be the best way to go. This type of loan is different from a normal mortgage, because it does not require the lender to hold the title to the property. Instead, it is going to allow you to borrow the money and the interest you would have paid to the original lender.

Final note


Finally, we have the refinance loan. It is going to require a second mortgage, but you can do a refinancing of the home equity loan and repay the interest alone, paying a lower interest rate in the process. A refinance loan can also allow you to do things like convert your primary residence into a rental property or transfer your second mortgage to another lender and refinance that.


As you can see, there are a few ways you can get a loan that is best suited to your needs. From mortgages to cash loans, you can always find the right one for you.

Get a Bad Credit Unsecured Loan – Get What You Need, No Credit Check

If you want to get an unsecured loan but don’t have a great credit history, the best way to find financing is online. The problem is that people are not aware of the many options that are available to them when they want an unsecured loan.

How to get the needed money withput a credit score?

How to get the needed money withput a credit score?

You can even qualify for credit without a credit history. But it does require the right research and some time and patience. Here is how you can get the money you need, without a credit score.

Start by doing your homework and finding out if you qualify for any of the bad credit loans. There are many lenders that make the same offers. The first thing you should do is go online and find out what other lenders offer.

Use online lenders with good feedback to get quotes. They will ask for your information, so you need to make sure you can provide it honestly.

When you get quotes from a few of these lenders, you can use a search engine to find out which one has the lowest interest rate. Some may have a lower rate than others. Make sure you compare a few before you choose one.

Then you need to know that they will approve your loan. One way to do this is to contact them and ask to speak to a loan officer. When you speak to them, make sure you are prepared and know what you need.

The best way to get a loan with no credit check is to meet with a lender in person. You can pay a fee if you want to have someone else do the check.

Can you get a loan without doing a work?

Can you get a loan without doing a work?

When you meet with a lender, get their approval form filled out before you go over it. You may be asked about your debt to income ratio. Fill out your paperwork completely and ask questions.

Next, check if you have any pending credit on your credit report. This means that you have had bad credit issues that were found by a lender. It is possible to fix this and have the lines of credit re-opened.

Having a line of credit on your report is bad for your credit score. Even having an account that isn’t open is too, it will hurt your score.

What is the important thing in getting a bad credit loan?

What is the important thing in getting a bad credit loan?

The key to getting a bad credit loan is to avoid missing payments or asking for too much money. You will need to be careful to avoid scams and find the right lender. The best way to do this is to have good credit and be prepared to ask for funding.

If you are thinking about bad credit unsecured loans, you should know that there are many options for you. It all depends on how you will use the funds and where you plan to use the money.

Free Nude Cams


It is so amazing to learn about all the free nude cams that are available online. While it may sound like a good idea to have nude models on these sites, there is no reason to believe that this is a wise move.

All this free nude camping is about is advertising a website. It may be a good idea to see if you can make some extra money with your site by posting nude models in order to help promote it.

Nudity is really an enhancement to any site.

Nudity is really an enhancement to any site.

While there are many sites that can be found for free, they typically do not offer a huge selection of items and services. You want to make sure that you are posting the best products and services possible for your site.

In order to take advantage of free nude camming on the internet, you must provide the best features to attract more visitors to your site. This includes great graphics, great color schemes, and other top notch elements that will really catch the eye of your visitors. If you do not try to look your best, the naked models that are on the free nude cam sites may end up doing you a disservice.

It is not very difficult to get the attention of people by having a new nude model available.

It is not very difficult to get the attention of people by having a new nude model available.

These models may be attractive and seem to know how to display their bodies, but most visitors will avoid the site if they do not feel the models are “hot.” By the time a visitor to your site actually looks at the model and thinks about buying something, you may not even be around.

By the time the model starts to get sold, you may have already lost the interest of the visitors. This is because they may not have found your current product or service on the site, and it is too late to put in another advertisement. The site owners may be ready to leave, and that is when it is time to try something new.

While nude models may get the visitors, make sure that you keep the model on the site long enough to see if they will stay. If you take pictures of the model and have them posted on the site, then you can get a couple of ads in the process. You should also make sure that the model knows what you are trying to do.

If the nude model has agreed to pose nude on the site, then you need to ask them what you can expect from the free nude camming that you are offering. Ask for permission to post some links to your site. You do not want to get a model that is interested in a paid membership site, but is only interested in this kind of camming on your free site.

To promote your site and get the word out, you can offer the model’s opinions and comments on what they are seeing. This way, you can draw in additional visitors who may be interested in the site that you have decided to start.

A model may have been interested in a site for a number of reasons.

A model may have been interested in a site for a number of reasons.

They could be simply attracted to the site that you have put together, or they may also be interested in joining a paid membership site. By inviting these types of visitors to your site, you can draw in more people and can increase your sales.

While using models for free nude cams may bring in a lot of traffic to your site, it can also cause confusion. Visitors may think that there is some adult content on the site and not understand why the model would be stripping. Some of the adults might be uncomfortable around the model, and they may feel like they are being taken advantage of.

Of course, the best way to deal with this problem is to educate your visitors about the free nude camming that you are offering. Then you can assure that everyone in your business will benefit from all the visitors that are offered in your site.

Company loans – what are the terms?

With an employer loan, employers bind their employees even more to their company. In this way, companies can give their employees a monetary benefit even without a direct salary increase. However, a current BMF letter clarifies that the non-cash benefit of an employer loan results from the difference between the market interest rate and the interest rate that the employee has to pay in individual cases (Az. IV C 5 – S 2334/07009). The decisive factor is the interest rate agreed during the entire contract term since the contract was signed. The only exception is the agreement of a variable interest rate. The employer loan is therefore not a consideration for the work performed by an employee.

Another option for which employer loans are granted is to promote and finance further training measures for the employee or even to acquire residential property. On the other hand, it is not permitted to grant a loan to finance company-made products. Employer loans must also legally withstand, for example, precise agreements on terms, interest, repayment and collateral must be made. Anyone who makes mistakes in the contract drafting as an entrepreneur and lender must expect that the entire loan is to be recorded in full as taxable wages. Among other things, this should also rule out that the employer waives the repayment of the loan – for whatever reason.

The terms of the employer loan vary from employer to employer. In most cases, the conditions depend on the length of service, earnings or position in the company. An employer loan is therefore a certain sign of trust for an employee, as this will secure the job for the foreseeable future. So anyone who has the chance to benefit from an employer loan should take advantage of this. Because this is not just a low-interest financing, in most cases there are no processing fees. In contrast to a salary increase, of which there is little left in the end, this loan represents an advantageous advance on wages, which is also reduced in interest.

In this way, both parties benefit, because depending on the employee’s personal tax rate, this can mean considerable savings, while the company does not have to pay social security contributions on this loan. So if you are interested in an employer loan, you should contact the HR department, the works council or, in smaller companies, the managing director. Anyone wanting an employer loan as a builder should apply for this in good time, because experience has shown that companies cannot decide on them overnight. In order to avoid that the employer loan must be taxed as wages, a written draft is recommended as the legal basis. As a prerequisite, the following must be stated in the contract:

  • the effective interest rate
  • the period
  • the loan amount
  • the repayment modalities as well
  • the corresponding termination options

If even one of these details is missing, the employee must pay full tax on the entire loan. A lack of a repayment agreement always raises the suspicion of a hidden payout. In the case of an employer loan, a distinction is made between the money loan (regulated in §§ 488 – 512 BGB) and the property loan (regulated in §§ 607 – 609 BGB). The training loan, on the other hand, is a special form.

Furthermore, the interest benefits are not taxable as benefits in kind by the employee if the sum of the loan not yet repaid does not exceed $ 2,600 at the end of the wage payment period. A loan is therefore roughly comparable if it essentially corresponds to the employer loan, in particular with regard to the type of loan, term and duration of interest.

Employer loans are mainly offered in the public sector, in the financial sector, but also in all other sectors. This financing variant is issued as a consumer loan or as a real estate loan. In the case of real estate loans, it is common to enter a land charge on the financing object. The loan is generally repaid in fixed installments in advance and directly as a wage deduction. The lender – here the employer – only has to comply with the seizure limits to be observed by law. It should also be noted that both advances and installments do not constitute employer loans! In most cases, employer loans are also earmarked, for example for further training measures or for property purchases.

Employer loans do not provide a job guarantee for an employee, but they are a positive signal for long-term employment. With the support of such a loan, the borrower as a future homeowner can also increase his share of equity. Because the capital comes from a relationship of trust, the banks add this money to equity. And the higher the existing equity component, the better the chances for the real estate financier for further favorable loan conditions.

Request a free installment loan offer

Request a free installment loan offer

If you are interested in an ordinary consumer loan, you can request free and non-binding offers for credit comparison below. Here you have the great advantage that, after entering all the required information, it is shown directly which providers you actually have chances for a loan and which conditions are offered to you.

The taxable interest advantage

The taxable interest advantage

In the past, to ensure that an employer loan does not become taxable wages, the loan had to have an effective interest rate of at least 5.0 percent. However, the term of the respective loan is irrelevant. Currently, the wage tax liability for interest benefits from employer loans is only according to the in the BMF letter IV C 5 – S 2334/07 / 000928.3.2007, BStBl. 2007 I p. 502 principles to be assessed. Thereafter, the 5 percent rule may no longer be used as the basis for setting interest rates. In the future, the average rates for housing and consumer loans published by the Best Bank or other direct banks will be a guide for the standard market loan conditions. A discount of 4 percent may then be made.

If the employer leaves the loan at a lower interest rate, a taxable interest advantage arises. This results from the difference between the agreed interest and the minimum interest. However, this interest rate advantage is not subject to taxation if the remaining debt of the employer loan at the end of the wage payment period is less than 2,600 USD (this exemption limit was first abolished by decree, but was then reintroduced retrospectively on January 1, 2008!). If several employer loans are granted to an employee, this interest advantage must generally be determined separately for each loan. In addition, there is the small amount regulation according to § 8 paragraph 2 EStG, ie the benefits from benefits in kind are not subject to wage tax even if the monetary benefit does not exceed a total of 44 USD including sales tax per month. Example:

loan amount 40,000 USD
Fixed interest rate employer 3.4% *
Bundesbank interest rate targets 4.7%
Taxable difference 1.3%
Annual / monthly fee 520 USD / 43.33 USD
Exemption limit 44 USD If not exceeded, loan can be given to the employee
be made tax-free.

* Only the conditions on the day of the agreement are decisive for tax purposes. However, these then apply for the entire term of the employer loan.

On the other hand, when calculating the monetary benefit, it is irrelevant whether it is an old loan or a newly concluded contract. Recently, employers have also been able to use Internet providers’ significantly lower interest rates as a comparison. However, if there are significant changes in market interest rates within the term of the contract, both parties should consider repaying the loan and entering into a new contract. So-called appeal information according to § 42 e EStG can be obtained from the responsible company tax office due to issues relating to the tax treatment of employer loans.

If the interest terms of the same loan agreement are agreed again with the employee after the interest rate has expired, this interest advantage must also be determined again. If the non-cash benefit from the provision of an interest-free or low-interest loan according to Section 40 EStG is taxed at a flat rate at the request of the employer, the interest advantage must only be assessed according to Section 8 (2) EStG. Example:

The amount of an employer loan amounts to 16,000 USD, the chosen term is 4 years. Both the repayment and the due date of the interest are made once a month. The employer’s effective annual interest rate is set at 2 percent.


variant Consumer credit, initial
Fixed interest rates of over 1 to 5 years
dto., but also from the Best Bank
published effective interest rate
interest rate 5.10%, determined by employers 5.68%, specified by the Bundesbank
Discount (4%) not possible 0.23% (4% of 5.68%)
interest rate 5.10% 5.45% (5.68% – 0.23%)
discounted interest rate 3.10% (5.10% ./. 2%) 3.45% (5.45% – 2%)
Non-cash benefit (month) $ 41.33 ($ 16,000 x 3.10%: 12) $ 46.00 ($ 16,000 x 3.45%: 12
Exemption limit (44 USD) Interest rate reductions are tax and contribution free Interest rate reductions are subject to tax and contributions

If the parties have not agreed an interest rate, the legally customary interest rate is deemed to have been agreed. If, on the other hand, the loan is deliberately interest-free, it must be contractually agreed between the parties. If the employee’s interest rate advantage is less than EUR 1,000 pa, the employer can also tax it at a flat rate, so that there is no burden on the employee. However, if the interest advantages go beyond the 1,000 USD limit, they must be taxed individually by the employee.

Special regulations applicable to staff discounts

Special rules apply to banks, insurance companies and all employers whose business activities include lending. In particular for employees who work for a bank that lends to customers in the ordinary course of business, the interest rate advantage is assessed as a so-called personnel discount and is also taxed in accordance with the BMF letter (BStBl. 2008 I p. 892 item 14) The effective interest rate that the employer also offers his bank customers for comparable loans applies to the interest rate advantage, and a valuation discount of 4 percent may be applied accordingly.

Here, too, it is possible for the employer to pay tax on the interest rate benefit to his bank employees instead of the personnel discount regulation in accordance with Section 40 (1) EStG. Flat-rate taxation is only exempted from a monthly interest payment, and here too it can only be applied to an interest advantage of a maximum of EUR 1,000. If the interest advantage is above this limit, then the personnel discount rule must be applied again for the excess amount. If the loan amount is not more than 2,600 USD, it is a small loan, which is why the interest advantage is tax-free (BMF letter, BStBl. 2008 I p. 892 no. 3). The tax exemption applies even if the employer completely waives the interest.

The advantages and disadvantages of an employer loan

The advantages and disadvantages of an employer loan

Most companies give so-called subordinated loans to their employees. These are also entered in the land register if the amount is appropriate. With smaller sums, however, assignments of wages and salaries are sufficient as security for the employer. There are also differences in the distribution of the amount of the loan, which ranges from 5,000 USD to a substantial part of the debt. As a rule, the loans are between a range of 10,000 and 50,000 USD. If the employer makes a first or second-level entry in the land register due to the amount of the disclosure, this can also have a disadvantage for the employee. Because these ranks are then blocked for further and employer-independent debt. Another disadvantage is the repayment rate, which is usually significantly higher than that of bank loans. In addition, this loan binds employees to their employer. If the employment relationship is terminated, the respective part of the contract decides under which conditions the contract continues or whether an immediate repayment is possible. In many cases, employer loans can also count towards severance payments.

Companies that grant employer loans must pay particular attention to the principle of equal treatment for their employees. For example, part-time employees of a company should not be treated worse than full-time employees. Furthermore, the loan contract can only be terminated by termination, but leaving the company does not automatically lead to the termination of the contract. Companies that want to cancel an employer loan have a 3-month notice period in accordance with Section 488 (3) BGB. If, on the other hand, small loans up to an amount of EUR 200 are involved, one month must be observed as a notice period. Once this period has expired, the employer has the option of claiming back the outstanding loan amount. Furthermore, he has the option to adjust the previously low interest rates to those on the market.

Employees should make sure that an agreement is made in the loan agreement in the event of termination. It should not matter who did the termination of the employment relationship. If there is no such agreement, the loan can be made due immediately in the event of termination, ie the employee has to pay the outstanding loan amount overnight. If the loan was then taken out for real estate financing, this can lead to considerable problems, since the employee would now have to find a new lender for the debt rescheduling. So that the termination does not become an incalculable risk, a regulation on the new interest rate should be found after a possible termination of the employment contract.

However, immediate repayment claims and excessive interest claims by the lender are also inadmissible in the event of an operational termination. However, the agreement of market interest is permissible. Immediate repayment agreements are to be regarded as inadmissible according to the highest judicial case law, if it is a job-related dismissal or if the employee terminates extraordinarily because the employer has set an important reason for this.

A special form of employer loan: the training loan

A special form of employer loan: the training loan

Young people who complete an apprenticeship in particular are often only paid a small amount, but on the other hand, they also have costs that should not be underestimated (travel costs, material costs, etc.). In addition, the livelihood should be secured during the training. Anyone who is unable to start another job here is dependent on outside capital. So-called training loans, which are offered by employers or the Lite Lender, are helpful. Training loans are used exclusively to finance training, further education or university studies. The advantage of the training loan is that it is not granted – as opposed to the Credit Aid (state funding) – depending on income. In contrast to the Credit Aid (federal funding), training credits have to be repaid in full.

Another disadvantage of the federal training loan is that payment is only possible in later training phases, which is why an intermediate examination must be taken before this financing option takes effect. The amount of credit that is paid for each training section is also not high, it is just 7,200 USD. If you want a normal training loan, you have the choice between two different financing approaches: the classic installment and small loan model and offers with a monthly payment similar to the Credit Aid. With the installment and small loan model, the total loan amount is paid out in one sum. The borrower can then immediately start repaying the loan. In the case of offers with monthly payments, however, the loan amount is deferred until a few years after completing your studies. Only then must the borrower start repaying the loan.

The Federal Supply Office (BVA) also offers schoolchildren and students a special educational loan program in this context. You have the option of a simple, low-interest and flexibly adjusted loan, regardless of income and assets. This educational loan is available to both German and foreign students. A prerequisite is the age of majority, the maximum age for the payment of the educational loan is limited to a maximum of 35 years, and the training must also be eligible under the Credit Aid. The following also applies: the borrowers must start in the last 24 months of the training and the training must end with a professional qualification. The latter only applies if the borrower has not yet completed vocational training. Interested parties can find more information at

All those trainees who complete an in-company or external apprenticeship in a recognized apprenticeship can apply for a vocational training grant. Those trainees who no longer live at home are also entitled because they are no longer able to drive home every day. Vocational training allowance is also given to trainees who are of legal age or married, no longer live at home or at least live with a child. In the event of an apprenticeship, those affected are entitled to funding under the Federal Education Promotion Act (Credit Aid). The Credit Aid office at the parents’ place of residence is responsible. Those interested can find the relevant information at or Students can also apply for Credit Aid. German citizenship, a corresponding suitability and a certain maximum age apply. The respective funding contribution is calculated as follows:

Amount of need according to the Credit Aid ……………………………USD
less the apprentice’s income and assets ……………………………USD
less deductible income of the spouse and parents ……………………………USD
Funding amount according to the Credit Aid ……………………………USD

Training through external financing

Especially when it comes to full-time training, apprentices have less and less opportunity to earn something. In many cases there are also individual training requirements, so that the trainee either has no or only a minimal monthly income. Training credits, so-called purpose-restricted loans, are suitable for this. In this way, an apprenticeship loan not only prevents a longer study period, but also ensures fewer tuition fees because you can now complete your apprenticeship more quickly. In addition to the cost factors during the training phase, there are also upcoming internships, expensive further training or even stays abroad. In many cases, however, trainees do not benefit from training or study grants, and not everyone receives a scholarship. Here is a student loan with low interest rates.

Studies are also becoming more and more expensive, because there are more and more schools or technical academies where training has to be financed out of one’s own pocket. The use of an apprenticeship loan seems reasonable here, because with every well-founded apprenticeship the chances of a lucrative job increase. To apply for a training loan, applicants must provide the bank with proof of the training they are completing and the amount of fees. In this context, it should be noted that most banks only approve a sum of funding here, namely in the amount of the actual school or study costs. After finishing school or university and starting their professional life, the borrower must start paying the installment including interest.

It is important that the borrower agrees an appropriate waiting period between completing the training and starting the repayment with the credit institution. This offers a certain security in the event that employment does not take place immediately after school or university. Borrowers should also agree to make special repayments in addition to their fixed repayment framework. Many earn very well after completing their advanced training, so they should take the opportunity to trigger their loan early. Training credits are available to finance training, further education or to study. Training or student loans are granted by banks and are independent of the borrower’s income and the assets of the parents.

The advantage of an apprenticeship loan can also be seen in the fact that borrowers can do without a time-consuming part-time job during their studies, which can therefore significantly shorten the apprenticeship or study time. The same applies to costly learning materials or tuition fees, these expenses can also be financed through a training loan. In addition, for most of those who choose further training through the second path of education, it is only sustainable if it is financed through a training loan. Anyone applying for an apprenticeship loan should determine exactly what they want to finance. The exact duration of the training or further training measure should also be clarified. The required capital must now be calculated from these two points.

Important: Of course, all work equipment must also be included in this capital, because it is not possible to extend the loan amount during the study period if there is no capital. After the required loan amount has been calculated and the term has been determined, important comparisons can be made. In addition to the state offers, only a bank’s training loan is then an option. This applies in particular to training occupations for which no funding is available. In addition to the loan amount and the term, the terms of repayment must also be compared. The same applies accordingly to all interest and fees incurred, since even with a term of several years, even minor differences in the annual effective interest rate are significant. The repayment period usually varies between 60 months and periods of more than ten years. Special repayments should be possible without additional costs.

Apprenticeship loans are also exciting from another point of view, because most credit models do away with the otherwise mandatory check procedures such as creditworthiness and Credit Bureau inquiries. Anyone who is able to hold negotiation talks with the bank employee can also take advantage of benefits – if only minimally. As a bank customer, the student or trainee should be able to make clear specifications for all of these points, because only then can one be sure that there are no surprises. All accruing interest on a training loan can be deducted from the tax as advertising costs / special expenses.

Borrowers should pay attention to tax benefits

Credit Aid repayments are neither deductible as advertising costs nor as special expenses (BFH, Az. VI R 41/05), since the repayment only repays an assumed debt. However, all costs incurred during a course of study are deductible. These expenses can then only be deducted for the year in which they actually arose (BFH, Az. VI R 41/05). However, the interest is taxable for a Credit Aid or student loan. Anyone who completes a first degree can claim these interest expenses as special expenses, with a second degree as advertising costs. In addition to the course and tuition fees, the training costs also include all expenses for textbooks, learning material, accommodation costs as well as additional catering expenses for accommodation abroad. The distance between home and training center is paid with a flat rate of 30 cents per kilometer.

The training loan, on the other hand, has no influence on the child benefit for children of legal age. As a rule, parents only receive child benefit for their adult children when they are studying or in training. Also, the child’s income or remuneration may not exceed the amount of 8,004 USD (as of 2011) per calendar year. However, training loans may not be included in the determination of this maximum limit, since a loan payment does not ultimately lead to an increase in income. In addition, all additional training-related expenses such as tuition fees or book expenses can be deducted from the remuneration of the adult child, but not the repayment of the training loan. Social security contributions, business expenses, advertising costs and all additional training-related expenses may also be deducted from the student’s remuneration (BFH, Az. III B 70/09).


Car loan despite debts

Whether a car loan is possible despite debts or has to be rejected cannot be answered clearly. This depends on various factors. This includes not only the question of how high the debt is, but also whether it has already been included in the Credit Bureau information. In the latter case, it will only be possible under difficult conditions to obtain a car loan despite debts from a German bank or savings bank.

Requirements for a car loan

Requirements for a car loan

In principle, anyone who wants to get a car loan would have to provide positive Credit Bureau information and a regular income. However, there are certain exceptions, particularly for car loans. As a rule, lending is not handled as strictly as is the case with a normal installment or consumer loan.

By car there is a concrete value for the loan, which can also be attached if necessary. For this reason, many people who have minor negative entries at Credit Bureau or are self-employed or self-employed can get a car loan without any major problems.

Car loan despite existing debt

Car loan despite existing debt

A car loan in spite of debt would also have to be said if the borrower overdrawn the checking account or has not yet paid some important bills. However, in most cases, these are small amounts of debt that are not related to the amount of money needed to get a car loan and buy a car.

If there is already another installment or consumer loan, the car loan is usually approved if the loan installments have been properly paid up to now and there have been no other serious problems.

Application and approval

Application and approval

If you are interested in a car loan, you should first make a binding decision as to whether you want to take out a loan from the bank or from the dealership. Both variants have both advantages and disadvantages. With a bank loan, it should play a role above all that the customer has the opportunity to act as a cash payer at his car dealer, which often gives him substantial discounts on the purchase price. If the loan is taken out in the dealership, the purchase and credit formalities can be settled together.

This saves the borrower unnecessary routes between the bank and the dealership. In addition, the annual percentage rate is often significantly cheaper than with a car loan from the bank. If you take out a car loan despite your debts, you should also be aware that you not only have to pay the installments for the car loan, but also your other debts. Under no circumstances may this overwhelm the borrower financially.

Financing your home loan through a real estate broker.

Financing your primary, secondary or rental home remains one of the biggest investments of a lifetime. Whether in the Paris region or in the provinces, in the new or in the old, it is regularly necessary to have recourse to a mortgage in order to obtain it. This is why, it is important to have carried out a thorough study of your project before getting involved financially.

This is the reason why we decided to give you our advice in order to understand how to finance your real estate. But first of all, it is important to know your maximum debt capacity.

Know your maximum debt capacity

Know your maximum debt capacity

First of all, it is indeed important to know the maximum budget not to be exceeded. Therefore, we advise you to contact a broker, in order to know your maximum debt capacity based on your income. The maximum debt capacity amounts to 33% of your total income, excluding insurance. That is to say that all of your expenses must not exceed 33% of your income.

The other part of the income will be considered as the remainder to live, that is to say the amount that you will have left each month to feed, go out, live eventually. From then on, the concept of living remains will be different for someone whose monthly net income is 1,700 USD with 2 children and for a single person who earns 4,000 USD per month. Thus, banks can be more accommodating with the profile of the latter.

How to finance your rental residence?

How to finance your rental residence?

The acquisition of a rental residence does not offer the same possibilities as for the purchase of your main residence. It is in most cases a tax exemption tool and is subject to a lot of attention from banks. There are for example certain situations to avoid because they will make banks cautious:

  • Invest while you are staying for free: Sometimes, some banks will charge you a fictitious rent, in case you become a tenant in the future.
  • Invest while you are a tenant: because in this case, your debt capacity will already be reduced by your rent.

The ideal is therefore to be a homeowner to start building a rental property because it will facilitate the processing of your file vis-à-vis the banks, who will be reassured to know that you have a property heritage that serves as collateral.

If rental investment is guided by the fact that the monthly payments are covered by the rents received, this type of investment can have a significant impact on the calculation of your debt ratio. Indeed, the banks will take into account the expected rental income, which will allow you to bear a higher monthly payment. However, these revenues will be weighted at 70%, so as to limit the risk in the event of an overestimation.