With the desire for a loan for the nasal surgery, many people do not want to be in front of the counter of their house bank. You are all the more grateful if the surgeon offers the loan to pay his bill.
We wanted to find out whether the nasal surgery expert not only shows medical expertise but also offers patients low-interest loans. In the credit comparison, we therefore do not question whether the invoice for 3,000 USD or 5,000 USD is justified. We question exactly what costs OP surgery financing.
Loan for the nasal surgery – pay medical bill yourself
Out of courtesy, the face is always the focus of the conversation partner. Striking features can be eyes and mouth, but the eye always falls on the nose. If nature is “less aesthetically successful”, the “distinctive” nose is a burden for many people. The till usually does not pay for cosmetic corrections of the nose. If the organ works and needs to be corrected, the credit for the nasal surgery becomes an issue.
Nobody likes to stand in front of the counter of their house bank with the desire for a loan for cosmetic corrections. Despite their frequency, cosmetic surgery is still tainted by the general public with the flaw of “extravagance”. People who cannot withstand the pressure of suffering still decide to go to the doctor. Of course, the costs are also discussed in the preliminary discussion.
Doctors who know the problem also offer the right loan solution. Assuming a normal credit rating, medipay could finance the loan for the nasal surgery, for example. As with a direct bank loan, applications can be submitted without having to deal with a clerk. Even interest-free financing of the operating costs would be possible via medipay.
Credit comparison – preconditions
The following credit comparison was preceded by a comparison of the cost of making corrections to the nose. The cheapest offer was 800 USD for nose surgery abroad. German doctors charged between 2,700 and 5,000 USD for the same procedure (from the layperson’s perspective). We therefore decided to compare 3,000 USD and 4,800 USD for the cosmetic surgery.
So that the installments do not exceed the household budget, we set the order of the monthly installments at around 120 – 140 USD. Figures for the special offer come directly from the medipay rate calculator. Comparative figures are provided by a free credit comparison at an interest rate that is independent of creditworthiness.
Credit from the doctor versus direct bank credit – 3000 USD own contribution
The rate calculator of the specialist provider for the crediting of the nose surgery offers 3,000 USD credit with a term of 24 months. The monthly payment, with an installment of 135 USD, is exactly what we want. The loan for the nasal surgery would only be interest-free if it were paid off in 6 months. At 24 months, the provider calculates 6.90 percent APR. In total, financing the 3,000 USD nose job costs 240 USD interest.
In the free loan comparison, we were unfortunately unable to find any interest-free loan. If 3,000 USD in treatment costs were financed with a 24-month term, the loan comparison shows a loan offer at 1.79 percent APR. Monthly payments of USD 127.32 would have to be made for this. In total, the financing of the aesthetic nose costs 55.80 USD interest.
The relative advantage of receiving interest-free credit for the nasal surgery from the specialist provider evaporates in view of the 500 USD installment payment. With affordable monthly installments, the special loan is 4.3 times more expensive than the direct bank offer.
Credit comparison – 4,800 USD credit for nose surgery
If a loan of 4,800 USD were needed for the nose surgery, the special loan offers financing over a period of 48 months. Monthly payments of 122 USD would have to be made. The rate calculator gives the effective annual interest rate at 9.90 percent effective annual interest rate. This results in total financing costs of 1,056 USD. The term would be a little bit cheaper (8.90 percent effective interest), but then would have to be paid 154 USD per month. (744 USD interest).
However, a 36 month term would be possible for 4,800 USD in a free credit comparison. The comparative calculator gives the effective annual interest rate at 2.69 percent. Installment payments of $ 138.97 would have to be made monthly. In total, the loan costs USD 199.18 interest. With a 48-month term, the annual percentage rate is 3.89 percent, with a rate of 108 USD. (Financing costs 383.92 USD).