The credit rating is bad and the creditworthiness bad, it is not easy in lending. When lending banks need collateral. The credit rating must be positive and the income regulated and sufficient. With one or more negative credit rating entries, it is usually very difficult to get a credit card from a bank based in Germany. Banks are generally reluctant to lend to the self-employed because they can not prove that they have a regular, attachable income.
The loan without credit rating and without creditworthiness
The credit rating is bad and the creditworthiness bad, it is not easy in the granting of loans. When lending, credit institutions need security. The credit rating must be good, the money sufficient. Without credit rating and without creditworthiness, who receives the loan? When lending a German bank, the payment behavior of the borrower is checked.
For this purpose, a credit rating query is executed and the salary statements must be submitted (unless the client asks at his own bank). If these receipts are in order, the loan will be approved. If anomalies are detected in the credit rating and the creditworthiness is bad, a loan is rejected. The loan can be considered as a substitute.
Credit rating is not relevant for banks. The loans, the loans without credit rating, are advertised intensively in the network. But not everyone is destined for this loan. Like German credit institutions, credit institutions also have their lending policies. The grueling offers should not blind you, because a loan is a financial cut that can often be made for years to come.
If the creditworthiness is not good anyway, a loan should be carefully examined.
Most loans are transacted through credit brokers. They can be understood as a link between the borrower and the lending bank. Even expensive telephone hotlines, where the loan has already been agreed by phone, are not serious business behavior. If you can not find a reputable loan broker, you can apply for a loan from the bank yourself.
Since 2010, following a ruling by the Federal Court of Justice, a major financial services company has been banned from granting loans for lack of authorization. In the meantime, there is only one bank left in the Principality of Lichtenstein that grants the loan without credit rating and without creditworthiness. It will decide on the basis of the information provided whether a loan is sufficient.
After signing and signing the loan agreement, it will be sent to the bank together with the necessary credit documents (statements of wages, account statement, excerpt from the employment contract).
A bond without credit rating and no rating has a fixed condition.
This is EUR 3,500 and, depending on the creditworthiness, EUR 5,000 or less. A sufficient and regular salary and employment must be there.
The income should be above the seizure exemption limit, ie for an individual with a loan of EUR 5,000, the annual income must be EUR 1,600. Because the loan is income secure, an assignment of wages must be signed. Freelancers and the unemployed do not get a loan, since the wage may not be tied to the unemployed and a freelancer has only an irregular income.
If it would not work with the loan without credit rating and without credit, then you can try to get a loan in this country. Private investors who want to invest their capital in loan projects make their decisions without having any other duties as a yardstick. However, certain collateral positions must also be available, because even private investors do not give away their capital without consideration.