22.09.2022
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The reasons for requesting a loan can be many: traditionally it is a construction or purchase of a house, for which a real estate loan is required, or a purchase of a vehicle, which is dealt with through a personal loan, a special car loan, or a special form of loan, becomes a lease. But there are also less planned reasons for a loan being requested, mostly short-term. This can be an expensive repair or the purchase of new large appliances. Illness can also increase financial needs but decrease income.
What to do if Schufa prevents the loan?
Many people have already experienced this: you apply for a loan, sign the application and the corresponding Schufa application, without which it does not work in Germany. And then the disillusionment: the Schufa has spared negative rumors and the loan is rejected. In many cases, those affected don’t even know why. Then it’s time to stay calm and take action.
First you should check if the negative entry corresponds to the facts. Unfortunately, mistakes also happen in the protective association of the credit industry. Unserved loans or blocked accounts are assigned to the wrong customer or deleted in time. So you should immediately request correction.
If everything is correct, you need to think about where and how you can ask for a loan without Schufa’s negative voice leading to a rejection.
Here you can get help in an emergency
Despite everything, you can ask for a loan immediately despite Schufa. This is not a lender, but simply an intermediary that unites borrowers and lenders. Here it is worth applying for a loan, the Bon-kredit provider forwards this request to the lenders. As a result, all offers from over 20 banks are compared in order to make a tailor-made offer to the customer.
Debt renegotiation example
An example of such a loan that you can apply for is a classic debt restructuring loan. This is an installment loan that is used exclusively to pay off other debts. This has several advantages: First, a better overview of payment obligations, as several smaller loans overload the borrower. Second, a smart debt restructuring can lead to lower interest rates by replacing loans that cost high interest rates, such as overdraft.
Finally, a loan ordered with an installment to be paid also improves creditworthiness, since this must be paid with fixed installments at certain times, thus guaranteeing a certain degree of stability.
A renegotiation loan is also possible with a bad credit agency
If you want to apply for such a debt restructuring loan to improve your situation, you should contact Bon-kredit. Because even in this case there are ways to get the desired loan despite the negative credit office. The banks that are requested through this portal are trained to make adequate and advantageous offers that help debtors to find an overview of their financial situation.
Conclusion:
Getting a loan despite a negative Schufa rumor is not impossible. You should contact providers like Bon-kredit to get access to different banks via this portal. With the help of providers such as Bon-kredit you access various banks, which also allow such financing. First, a debt restructuring loan can help you get out of a strained financial situation and get your finances back more stable. You will receive an offer for this, which should then be checked to see if it involves lower costs than the previous financing.
It is once again specified that the annual effective interest rate must always be used for the comparison of loans, as this, unlike the nominal interest rate, includes all costs. Only this comparison makes sense and leads to a correspondingly usable result.
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