Implants are often a necessity in the dental field for health reasons. However, for you as a patient this can be a big problem: in many cases, not only is the process of onset very painful, but also the financial challenge associated with the treatment.
Implants can quickly cost more than 10,000 euros. In fact, treatment costs in the amount of about 15,000 euros are not uncommon. Regrettably, the statutory funds take only a fraction of these sums. For you, this means that you need a loan for implants. However, people who have a need to do so often start looking in the wrong place. We want to protect you from this error.
Credit for Implants: Is funding available through dentures?
Dentists do not fool themselves when it comes to the cost of implant placement. Very few people have savings or have a suitable private insurance that could alleviate the financial pain. Dentists used to lend personally in the past. Meanwhile, the Dentists have stopped this practice because it was too expensive for them. Instead, they work with funding partners who provide the funds for the implants loan.
In many cases, this is still the best way for you to get the loan: the application is comparably simple. If you do not have a bad scoring at the protection association for general credit protection (private credit), you will get the money mostly. The interest rates are also comparably low with the alternatives.
Credit for implants from a bank
Most banks do not have a specialized loan for implants. You have to take a personal or consumer loan there. These are the non-earmarked loans of the banks, which you can use at your own discretion. Good for you is that the loan amounts and repayment periods are usually very flexible. However, there are also downsides: the interest rates are very high in comparison. In addition, your creditworthiness (credit rating) is usually reviewed sharply. You should not have any problems with the private credit.
Receive credit for implants through a mortgage lender
If you can not get a loan in the form of a dentist financing and you are not lucky enough to have a bank, you can ask for help from a mortgage lender. For example, the loan platform Maxda would be suitable on the Internet. It is positive for you that the brokers can provide loans even in difficult cases. Difficulties with the private credit can be elegantly avoided in this way. For the interest rates climb again. Two-digit values are unfortunately not the exception, but the rule.