If you absolutely have to take out a loan, there are a variety of offers available. But only if his Credit bureau contains positive entries. The Credit bureau – protection association for general credit protection – collects all data of the citizens who have loans running. The credit behavior is checked and the customer should also be prevented from further indebtedness.
If banks see a negative entry in this information file, no credit is usually granted. The so-called scoring system, which is used by companies, banks, cell phone dealers, etc., shows them how high the prospect of a loan default is. But is it so that a customer with bad information will not receive an urgently needed loan? No, there are several ways that a prospect can get a loan. On the one hand, there is the foreign bank, the involvement of a guarantor or spouse, and money can also be lent out privately.
No prepayment and no obligation to take out insurance are permitted
These loan contracts are all ordered through a credit broker on the Internet. The more contacts the credit intermediary has with foreign banks, the greater the offer from which the customer can choose and make a comparison. It must be clear to every customer that the credit broker does not work for nothing, but receives commission. His commission is only due when the loan agreement has been approved and the money has been paid out.
Prepayment is not serious and does not have to be paid. If you have found a good credit broker for a loan despite a negative Credit bureau and without prepayment, you can save a lot of money. The right interest rate level and term make a loan interesting despite everything, despite the negative Credit bureau and without prepayment.
Offering or making you dependent on taking out insurance of any kind should also be rejected. It is not a requirement. If the intermediary exists, simply replace it.
Foreign loans are available to the customer with a loan
Even with a loan despite a negative Credit bureau and without prepayment, you are not delivered and have to agree to everything that is put down for you to sign. Of course, the customer with a negative Credit bureau will not get a loan from one of the conventional banks, even if his credit rating would allow a loan. So the international loan or Swiss loan is ideal.
The money comes from Swiss donors who have had a long family tradition. But of course these banks also require their collateral. There is no Credit bureau information because there is no such institution in Switzerland. For example, proof of wages and an unlimited employment contract must be sent in. The applicant must have reached the age of 18 and be resident in Germany.
However, there is a downer in these foreign loans, because they are limited to 3,500 USD. If you want to have more credit, you have to be able to provide collateral. This can be real assets, such as an unencumbered property, a new car, capital insurance.
Submitted proof of wages is not sufficient
A solvent citizen or spouse can also be included in the loan agreement if the submitted proof of wages is not sufficient. Money can also be lent from private individuals. These transactions are carried out via so-called credit portals. Sometimes on super terms. One should look around and compare.