To succeed your credit redemption simulation

To make a credit redemption simulation, it’s pretty simple. All you have to do is fill in the credit redemption simulator, your perennial income, all your consumer credits, your online credits and your overdrafts, then the monthly installment of your mortgage or your monthly rent if you are a tenant. We all know the criteria of all credit repurchase banks which are credit organizations specializing in consumer credit repurchases or repurchases of mortgage loans. There are two types of credit consolidation. Do not wait, a credit redemption or credit consolidation can allow you
to balance your budget again.

1st type of credit redemption: the purchase of consumer credit

1st type of credit redemption: the purchase of consumer credit

During a simulation of credit redemption, you will indicate all of your credit cons, your personal loans but also your home loans. We do not have to buy the mortgage. You can therefore keep this loan and therefore its monthly payment. Generally, if you have less than 60% mortgage loan to buy back, the purchase of credit simulation will indicate that it is a repurchase of consumer credit. Thanks to our simulator, we can get the best rate for a buy back credit.

We can even make an online credit redemption, which saves a lot of time.

2nd type of repurchase of credit: the repurchase of mortgage

2nd type of repurchase of credit: the repurchase of mortgage

If you have more than 60% real estate credit to redeem, the simulated credit surrender will indicate that it is a real estate loan redemption. A mortgage will be required on your principal residence. The advantage is the possibility of spreading the loan over time and thus obtaining a smaller monthly payment. The credit rate will be lower than a buy back of consumer credit.  If you have done a credit simulation that turns out to be positive, you can now apply for a loan buy online, we will find you the best rate and very good conditions.

When setting up a restructuring loan, it is wise to take stock of all your needs (future invoices and various works to be planned) in order to start on a good basis.

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What are the reasons for rejecting a loan application? And what about it?

 

 

Filling in a non-binding online loan application is the first step to processing a loan and eventually raising funds. However, the demand from the client must not always be dealt with positively, in which case the request will be rejected, which usually does not allow any “appeal”. In what cases can your application be rejected or you will not even receive any comments?

Why did I decline my loan application?

Why did I decline my loan application?

Of course, in a situation where you are applying for a financial injection, rejecting the application is frustrating, but it can be partially prevented. Therefore, we will discuss how to do this below. We will show you how companies proceed in evaluating applications, when the application is automatically rejected and when a response can actually be expected.

When is a loan application rejected immediately?

When is a loan application rejected immediately?

There are not many of these cases, but with reasonable lenders, this group includes insolvent candidates. Under no circumstances will the bank or non-bank providers lend money to such applicants. Of course, there are some exceptions, but we would definitely not recommend it to anyone (usurers, private individuals, etc.). If you are in insolvency for a loan of your own interest do not even seek. However, do not even try to hide this fact in the loan application – the provider will find out anyway in the evaluation of the application.

When will I receive a response to my request?

When will I receive a response to my request?

This is very individual, it is a bit different for each provider. Some companies are connected to various online systems and can assess candidates in real time at any time of the day or night. On the other hand, some companies evaluate applications partly by human force – and therefore only during working hours. It is therefore clear that while the first company will receive a statement within 5 minutes. For the latter, it may take several days (in the case of a Friday night application).

Why didn’t anyone contact me?

 

How is it possible? If you have applied for a loan from a bank, you should always receive a statement of confirmation or refusal. It does not necessarily give a reason, but you will receive a notification each time. However, this is not the case with non-banking companies. Therefore, a non-banking company does not need to notify the candidate.

Why was my loan application rejected?

Why was my loan application rejected?

Again, there may be a number of reasons, but the main reason is that you already have a debt with another company , or you have insufficient creditworthiness . In such a case, the provider protects both himself and you – the consequences of non-repayment of the loan can cause serious difficulties for the client – and of course the lender is interested in having his loan repaid properly. An important factor is also the history of the client and his payment discipline, which can be safely read in various registers of debtors. All of the above reflects the candidate’s overall creditworthiness – which is crucial.

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Credit without Credit bureau for Social Welfare recipients.

Financial possibilities are severely limited

Financial possibilities are severely limited

A loan without Credit bureau for Social Welfare recipients is possible via private loans, but in no case via banks, unless an additional guarantee is given to the bank. The guarantor himself must be willing to accept this guarantee, and he must also have a regular income of at least an average amount.

Employment as an official is also advantageous due to the increased protection against dismissal, but not mandatory for a guarantor. The Social Welfare recipient cannot get a loan without a co-applicant and / or guarantor, because his income and creditworthiness are simply too low. The fact that the Credit bureau is not checked is still to be viewed as negative, even if no rejection would occur due to a negative Credit bureau rating.

Both the bank and the borrower must always view the loan from a moral point of view. As a Social Welfare recipient, the financial possibilities are severely limited, which is why a loan without Credit bureau for Social Welfare recipients is always associated with a risk of impending over-indebtedness.

Even very low installments cannot be paid on time if there is insufficient financial buffer in your own household. The likelihood of over-indebtedness is therefore high, even if the installments would have to be borne by the guarantor in the short term.

More flexibility with a personal loan

More flexibility with a personal loan

The personal loan is so advisable for a loan without Credit bureau for Social Welfare recipients, since it is much more flexible and usually even cheaper. This is simply because private lenders usually have a good relationship with the borrower, otherwise the loan would not even be issued. Thanks to the good relationship, a flexible plan tailored to the possibilities of the Social Welfare recipient can be created, which ensures the repayment of micro and small loans.

The loan without Credit bureau for Social Welfare recipients is usually not too high, which is due to the fact that the lenders deduct the loan amount from their private income or their own savings. Of course, unemployed borrowers only want to borrow as much as they actually need.

For many people, taking out the loan without Credit bureau for Social Welfare recipients in a private environment may involve mastering a moral hurdle. Because borrowing in the closest private environment is always associated with shame, even if the selected lenders come from the family and you are therefore happy to help out of a financial emergency. For this reason, the interest burden is often completely eliminated.

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Credit with immediate approval without Credit bureau.

Nowadays it is almost normal for a loan to be taken out for all kinds of things. Some take over with a loan or are excluded from lending because the credit rating is too poor. Often important bills cannot be paid and the cycle of the debt trap begins. Many then have only one option, namely to take out a loan with an immediate commitment without Credit bureau.

Capital lender credit – special features

Capital lender credit - special features

If you want to take out a loan with an instant approval without Credit bureau, you will quickly see that it has many special features. This credit is not entered in the Credit bureau as it is in Germany. The banks abroad also do not check the applicant’s Credit bureau entries, so those with poor credit ratings can be successful here. The loan does not necessarily have to be applied for abroad, it is sufficient if a credit broker is involved.

Loan seekers can find this on the Internet, where there are numerous intermediaries. However, these should be compared with each other, because the fees of the intermediaries can vary considerably. In this way, the loan can be taken out from the comfort of your own home with immediate approval without Credit bureau. The credit broker primarily needs pay slips, proof of residence in Germany and a copy of the ID.

As soon as he has checked this and receives a loan amount, he sits down with many banks in Switzerland that will offer the loan seeker offers. As soon as a loan with an immediate commitment without Credit bureau has been decided, a contract can be signed and sent to the bank.

What conditions have to be met

What conditions have to be met

Loan seekers who are interested in an instant loan without Credit bureau will only receive it if certain conditions can be met. So there must always be a fixed income that can be attached in the event of a loan default. It must not come from self-employment or from social benefits.

Self-employed people earn different amounts of money each month and social benefits are not counted as income. Unemployed people, the self-employed and even students or schoolchildren cannot apply for a loan in Switzerland. Proof of residence in Germany must be provided and the applicant must be at least 18 years old. This is the only way to apply for the loan.

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