Our methodology: budget before product

We first look at purpose, budget, reserve and alternatives. Only then do we turn to total costs, contract flexibility and, last of all, the external market comparison.

Five review steps

The order is deliberately fixed: needs, household surplus, cost model, contract risks, market comparison.

• Limit amount and purpose
• Budget plus reserve
• Instalment, term and total amount
• Special repayments and early settlement
• Comparison with identical key figures

Limits

We do not arrange individual lending decisions and do not replace legal, tax, debt or financial advice. Calculator values are models with no guarantee of approval.

Ranking in the Verivox comparison

Verivox, not us, decides which offers appear in the embedded comparison and in what order. We have no influence on this and neither pay nor receive anything for a particular position. Verivox explains the main sorting parameters and their weighting in the comparison itself; the default is usually sorting by annual percentage rate. Not all providers on the market are listed with Verivox.

How our content is produced

We also use AI tools for research, structuring and wording. Every page is read and checked by our team before publication, and we back up facts, deadlines and legal provisions with the sources given. This check is editorial, not legal advice. Editorial responsibility for all content lies with Ludger Jungeblut (see legal notice). Images created with AI are labelled as illustrative images.