The breast is the female characteristic par excellence for all women. But many women are unhappy with their breasts. You can help with small breasts in particular. Many women would also choose to make improvements if the financial means were not there. Depending on the clinic and surgery, breast augmentation can cost between 4,000 and 10,000 USD. Those who do not have these funds can opt for a breast augmentation loan.
The loan for breast augmentation from the clinic
If you are considering breast augmentation, you should first look for the clinic and the doctor before looking for a loan. It is not recommended to use so-called cheap surgery. After all, breast augmentation should not be about quantity, but quality. There are no special loans for breast augmentation.
If you want to undergo breast augmentation, the best thing is to first look for the clinic that is performing this operation. During the consultation that the patient is having with her doctor, the problem of costs could then perhaps be addressed. Of course, doctors know how it is with many of their patients and often offer a loan for breast enlargement. Of course, the doctor will not provide the loan, but the doctor will work with various partner banks. Their specialty is usually the loan for breast augmentation.
With these loans, the patient must be able to meet exactly the same conditions for a breast enlargement loan as with any other bank. The bank will check the creditworthiness based on the income and the Credit Bureau. The income must be above the garnishment exemption limit and the Credit Bureau must be impeccable. If these conditions cannot be met, the loan will be rejected. If the income is not sufficient, a co-applicant, perhaps the partner, could sign the loan agreement and guarantee the loan with its good solvency.
If the patient defaults on payment, the co-applicant must continue to pay. A guarantor fulfills the same prerequisites; he is also regressed if the patient can no longer pay.
The loan for breast augmentation from the bank
If the patient can meet the conditions of the bank, the breast surgery can be paid with an installment loan. The installment loan is not earmarked and can be used freely by the patient. The bank also does not have to be informed of the purpose of the loan. Breast surgery can cost up to 10,000 USD. Before the loan is taken out, the exact costs should be determined with an estimate.
In this amount, the installment loan can then be taken out either with the house bank or with a direct bank. The loan is to be repaid in constant installments and at a fixed interest rate. As with all other loans, the conditions should also be observed with this loan. A cheap provider can be found with a credit comparison. However, if you get a good offer from your house bank, you can accept this, only then there is no possibility of comparison.
For example, if you take out a breast augmentation loan of 7,000 USD with a two-year term, you can currently get a loan with an interest rate of 2.8%. In order to get such low interest rates, a loan comparison must be made. Simply enter the loan amount, the term and the possible rate and the providers appear at a glance, with the cheapest topping the list.
An example of a loan amount of 6,000 USD
The term is 72 months
The interest rate is effectively 4.15 pa
The current rate is 90.00 USD per month
If more credit is needed, the current rate will of course be higher. But with the term, a credit rate can get high or low. If you choose a long term, you pay low rates. If you take a short term, you will pay high installments. This would pay the loan faster, but the installments must remain affordable.
Before applying for a loan, it should be checked whether a loan can be paid at all. An income / expenditure plan helps with this, but in the best case there should be financial scope. This could then be used to pay the installments. Breast augmentation can cost differently. The costs depend on the methods of the operation. So the enlargement is often done with an implant or autologous fat. There are also the costs of anesthesia, possibly liposuction.
You can see the costs can be very different. The patient has to bear the costs because it is an aesthetic procedure. In exceptional cases, medical intervention may also be required, for example after a tumor removal where breast reconstruction is being carried out. In this case, the health insurance companies bear the costs.
The costs consist of:
– The preliminary examination
– The consultation
– The surgeon and the surgical team
– The anesthetist
– The hospital stay
The patient must also pay for any corrections that may arise after the procedure.
With the classic installment loan, the following should be noted:
– The duration and the installments to be paid
– Repayment modalities, free special repayments
– Higher of all fees
– The rate
– Possibly an additional credit
The credit rating
The patient’s credit rating must meet the conditions of the banks. The income must be sufficiently high and above the garnishment exemption limit. The Credit Bureau must not have any negative entries. If, for example, loan cancellations, bankruptcies, seizures exist, the loan for breast enlargement is rejected. Because the patient only receives an acceptable interest rate if the creditworthiness is good.
If there are difficulties with lending, a private loan can be considered. The special thing about this loan is that the lenders are private individuals. Several people provide the loan. Credit marketplaces like Spin Lender or Across Lender (the best known) can be used to search for private investors. Several private lenders then bid on the loan request. Customers with poor credit ratings also have credit opportunities, but have to pay more interest.