For credit despite completed private crediteintrag there is undeniable often needs. The private credit is for many consumers a big nuisance. But she keeps getting into life when it comes to signing new contracts. Because before the contract signing the private credit is queried.
And not just when a new car is to be financed. Also with all other regular credits, numbers on account, new telephone contracts, leases and much more the private credit is queried. If negative entries occur during the query, this complicates the conclusion of the contract.
Because negative entries always point to payment failures that must or have been massive. Differences are namely in current and completed private crediteinträge.
Credit despite completed private credit entry – meaning
Particularly annoying is a negative private credit when a loan is to be taken. Even if the private credit entry has already been completed, the financier can get in the way. He does not have to approve the loan despite having completed the private credit entry. After all, the prospect once had financial problems. And no one can make sure they do not come back.
Why, therefore, forgive a loan despite completed private credit entry?
Not always, the loan request can be postponed until the private credit calmed down again. Completed entries are known to be deleted no later than three years after completion. However, if you do not have that much time, you have to take the credit despite having completed the private credit entry with the small hurdle.
This is relatively easy if the creditor is given a guarantor. So an additional borrower who has at best no negative private credit entry and therefore can secure the loan.
How should you proceed with the recording?
If the borrower is aware that his private credit is in negative territory, it is advisable to plan the borrowing well. This prevents embarrassing moments at the bank or in the business where the loan is to be taken.
So the second borrower should be located as early as possible. He must submit his documents when applying for the loan. In addition, the credit agreement for the loan must be signed by both borrowers despite the completed private credit entry.
Should be acted without a second borrower, then taking the loan, despite completed private credit entry a little more difficult. Because then a donor must be found off the well-known ways. And that is not always easy.
The foreign credit
A possibility for the admission of a loan despite completed private credit entry would arise then, if the loan is taken up abroad. Foreign credits for German citizens usually come from Soulcredit bank. The bank grants small loans without asking private credit, but as a borrower you have to be able to meet some requirements.
In addition to a fixed income and a permanent residence in Germany, a German bank account must be available. The desired loan amount may not be higher than 7500 Euro. And the loan despite completed private credit entry must be repaid within 40 months to the bank.
The loan despite completed private credit entry via a credit intermediary
The second possibility of borrowing without the query of private credit would be via a credit intermediary. However, it is important to look very carefully who wants to provide the money. There are some black sheep in the industry, so this way can lead to a dead end.
It is good if you turn to one of the big intermediaries like Maxcredit or Crediter. These are not only very experienced in arranging loans, but also working reputably. It is recommended to name as many collateral as possible. This increases the chances of a loan and lowers the cost of it.
In general, however, it is advisable to take the loan despite the completed private credit entry only if it can not be avoided. Otherwise it can happen that the next debt crisis is already waiting.