Ratenkredit Vergleich: Unterschiede Indien und Deutschland

Outsourcing nach Indien

In Indien boomt der Online-Markt ähnlich wie in Deutschland. Seit dem Jahr 2009 erlebt Indien einen Aufschwung des digitalen Netzes. Hiervon profitieren viele Startups, aber auch die Bevölkerung, denn es werden Millionen neue Jobs benötigt. Wir erklären am Beispiel der beiden Kreditplattformen indialends.com und smava.de die Unterschiede der beiden Länder.

Hoffnung für Indiens Wirtschaft: digitale Startups

Udaipur, Indien - December 9, 2015: Street scene in Udaipur showing traffic including rickshaws and motorcycles, India, Asia.Die indische Regierung hilft Startups steuerlich und unbürokratisch. Schließlich hat sie erkannt, dass die neue digitale Wirtschaft dem Land wertvolle Arbeitsplätze verschafft. Derzeit benötigt Indien rund 15 Millionen neue Jobs jährlich
. Rund 50 Prozent der 1,3 Milliarden Einwohner sind jünger als 25 Jahre und die herkömmliche Industrie kann den Bedarf an Arbeitsplätzen schon lange nicht mehr decken. Daher werden Startups inzwischen gut unterstützt – eines davon ist die Kreditplattform Indialends.

Privatkredite von Indialends: Ein Überblick

Ein Privatkredit ist ein ungesichertes Darlehen, welches in Indien keinerlei Bürgen oder Sicherheiten bedarf, damit es in Anspruch genommen werden kann. Verwendungszwecke sind Reisen, Anschaffung von Konsumgütern, Umschuldung, medizinische Notfälle und noch vieles mehr. Anders als beim deutschen Anbieter smava.de, der das deutsche Pendant zu Indialends ist, ist der Zinssatz auch variabel vereinbar. Gleich ist, dass der Kredit über einen vereinbarten Zeitraum zurückgezahlt wird. Wie in Deutschland wird die Wahrscheinlichkeit auf eine Zusage erhöht, wenn ein zweiter Kreditnehmer mit in den Vertrag einsteigt.

Zinssätze in Indien und Deutschland

In Indien beginnt der Darlehenssatz bei 11,49 Prozent und kann bis zu 35 Prozent jährlich betragen. Dahingegen ist bei smava ein Darlehen bereits ab 0,99 Prozent möglich. Bei beiden entscheiden die persönlichen Umstände, die Bonität und viele damit zusammenhängende Faktoren über eine Zusage. Abhängig vom Kreditscore, dem Darlehensbetrag und dem Einkommen kann der Zinssatz bei beiden Kreditvergleichen unterschiedlich hoch ausfallen.

Grundlagen der Kreditvergabe

Beide Kreditvergleiche ermitteln das Risiko für den Kreditgeber, um eine kontinuierliche Ratenzahlung zu gewährleisten. Daher wird überprüft, wie der potenzielle Kreditnehmer beschäftigt ist und welches Einkommen er derzeit erzielt

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. Die Auszahlung erfolgt innerhalb weniger Tage nach Zusage und die Kredite werden in einem Zeitraum von ein bis sechs Jahren gewährt. Die persönlichen Voraussetzungen ähneln sich: Während in Deutschland der Kreditnehmer mindestens 18 Jahre alt sein muss, muss dieser in Indien 21 Jahre alt sein. Es ist ein Wohnsitz im jeweiligen Land erforderlich und die Identität muss mit entsprechenden Dokumenten (in Deutschland PostIdent) zweifelsfrei bestätigt sein.

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About the author

Wolfgang Bergthaler

Wolfgang Bergthaler ist seit 2004 mit Indien beruflich und privat eng verbunden. Als Entrepreneur, Berater und Blogger hat er Land und Wirtschaft von den spannendsten Perspektiven kennen gelernt.
Auf "Indische Wirtschaft" teilt er seine Erfahrungen, insbesondere zu den Themen IT Outsourcing, Tech Startups, Marketing und Vertrieb.

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