Anyone wishing to take out a construction loan or a car loan with the Spomila is subject to various conditions. A construction loan, for example, has low interest rates and is available in various tariffs tailored to the borrower. And all this with monthly installments, where you can take it easy. Get in touch with us – make an appointment. The S-Car Loan will quickly bring you your “new one” – with monthly installments that allow you to stand out with confidence.

District savings bank Koeln

District savings bank Koeln

You can balance short-term financing bottlenecks with a loan on your account. For start-up financing, you can, under certain conditions, obtain state subsidies in addition to our house bank loans. No private product: There is no article or content available for your choice. Please check your interests settings (filters) or click on another menu item.

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Online credit of Spomila Hamburg

Online credit of Spomila Hamburg

The Spomila offers installment loans to its customers. This is an on-line loan – Interested parties can only submit the loan application through the web. Only full-time employees who have been employed for at least three months without prior notice and have good creditworthiness are paid in installments.

The Spomila does not grant installment loans to the self-employed. The Spomila offers between 2,000 and 30,000 USD. Unlike many other credit institutions, a graduated interest rate is not calculated for the installment loan, but the effective interest rate is the same for all terms and loan amounts.

The interest already includes a processing fee of 2% of the loan amount. Anyone wishing to conclude an installment loan agreement can use the Spomila website to request a quote for an individual installment loan agreement, entering some personal information and determining the income available, and to send all necessary documents to the Spomila. After checking the information, the borrower accepts the installment loan application by letter, signs it and sends it back to the savings bank.

Spomila Hannovers thus differs from the statutory period of 6 months. The Spomila is a public bank with around 100 branches in the capital region of Hanover. It was created in 2003 by the merger of the district savings bank founded in 1878 and the city of Hanover, founded in 1823. Previously, in 2001, as part of a territorial reform, both the Hanseatic city and the Hanoverian district had merged to form a single economic area – the metropolitan region of Hanover.

At the end of the 2008 financial year, the Spomila had consolidated total assets of USD 12.6 billion and 2,400 employees. Above all, the aim was to give the poorest sections of the population the opportunity to invest their assets safely in retirement and sickness.

Today, all banking transactions can be carried out by the Spomila and are managed as a universal bank.