THE’advantage, c’is that as soon as you have reimbursed one, it is possible to’request a new one. Why does the bank refuse to grant a mortgage? As for example within d’the same family. From the second credit, the request can even be made by SMS. Lending money is a risk for banks, which are always afraid of defaults. If this n’is not possible, there is always l’option to borrow money’money to individuals for auto financing, via an automated system on the internet. Lending sites in Germany (car, cash, leisure) Generally, when a borrower is refused a home loan, job insecurity is often the cause.
In this regard, the best known and most successful credit platform is Auxmoney. If you are really looking to borrow in Germany, and not elsewhere in Europe, we have selected 2 loan sites that deserve your attention.’we s’lingers there. People employed on fixed-term contracts, temporary workers and intermittent entertainment workers are considered to be profiles "at risk", and consequently have the most difficulty in obtaining a mortgage. 2. Good Kredit. The best is still a CDI, or even two if you borrow as a couple. What conditions must I meet for a car loan?
THE’organization offers loans with a high rate of’acceptance. Ditto for auto-entrepreneurs, who must justify at least two years of activity. Before you decide on an auto loan and thus apply for a loan, you should know what basic conditions must be met with almost all lenders. If your bank has told you no, it is possible to run a simulation.
Most often, additional collateral is required, usually life insurance, or collateral, bad credit loans which cannot be sold until the loan is fully repaid. Depending on the provider, and as a credit applicant, you must meet all or some of the following conditions: The company, exists for 45 years, and has already validated more than 100,000 files, in all the’Germany. For intermittents, the only solution is to apply for a loan between individuals. Majority (in Germany 18 years or more) Place of residence in Germany (justified with eg the certificate named « Meldebescheinigung ») Sufficient income, from’a job, d’self-employment or d’a retirement No negative Schufa data No bad experience on the lender’s side A current account with German IBAN (for withdrawing monthly payments) Concretely, Bon Kredit is a loan broker, because it negotiates each file with several banking partners, to find the best rate.
Too high a debt ratio can be a reason for refusal. Any potential lender will check a) s’he can lend you some’money for auto financing, and b) up to what amount. More than 20 organizations are currently partners (national and foreign lenders). If the latter is greater than 33%, that is to say if you have to devote more than a third of your monthly income to repaying your loans, then you present too great a risk of default for the banks. This calculation is mainly done on the basis of your data (input from’money, living conditions such as place of residence and / or children, already existing loans) and additional information from the credit rating agencies.
VS’is why the company can find you a loan even if d’other organizations have already declined your request. Income too low to support the weight of the repayment: as we have seen, your monthly payments must not exceed 30% of your income. In Germany, the largest solvency agency is the Schufa. You will not be asked to’advance of costs for the’study of your file. But if the remaining 70% should allow you to live comfortably.
It is important when requesting Schufa that you do not’have no negative data, such as a reminder of payment, or even worse, a statement on the’honor. The « instant » loans offered go up to’to 100,000 €. If this is not the case, it is highly likely that your credit application will be refused. D’on the other hand, the interested parties receive a loan for automobile financing more simply s’they have a permanent job.