Warum sind Dispozinsen so hoch?

[Unregistriert]

Hab gehört die Banken bekommen das Geld ja von der Zentralbank oder so und da zu einem sehr sehr günstigen Zinssatz (1%?). Warum aber dann bei den Kunden so teuer?

 

[MulleWupp]

Naja.... irgendwie müssen die Banken ja "Gewinne erwirtschaften"... Und das machen se i.d.R. auch über Gebühren für Kunden... Ist leider einfach so...

Ich glaub in diesem Thread stehen die günstigsten Anbieter an Dispo-Zinsen mit drin...

 

[Unregistriert]

Der Link wird mir nicht angezeigt.

Geld verdienen sie aber auch durch normale Kredite. Und man muss ja nicht unbedingt die Dispozinsen zum Wucherpreis anbieten. Sowas könnte ja den Kunden durchhaus auch zum Wechseln der Bank veranlassen.

 

[MulleWupp]

achso, okay... dann mal so: h**p://www.finanzforen24.de/dispositionskredit-uberziehungskredit/1972-guenstige-dispozinsen.html (** = tt)

Bei Dispozinsen machen es die Banken meines Wissens so teuer, weil ein Ausfall des Kredits etwas wahrscheinlicher zu sein scheint als bei normalen Krediten... Aber du hast natürlich Recht: Das ist noch lange kein Grund für Wucher. Und ich persönlich habe deswegen auch die Bank gewechselt.

 

[Unregistriert]

Manche Direktbanken sind da wirklich günstiger, das stimmt. Allerdings halte ich den persönlichen Kontakt zum Kunden für unverzichtbar.

 

[FlintVor]

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