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Even those who have a bad remark can get a loan. The money comes from Switzerland, the so-called loans, which are now known to everyone. These are remark free credits that have been awarded for more than 20 years in Germany. With this form of credit, negative entries in the credit check play no role.
The reason is that banks are not contractual partners of the German remark and thus have no insight into the same. A loan approval is not reported in the remark. Thus, a virtually anonymous loan can be taken, from which the bank of the loan seeker and also the employer learns nothing. A loan without remark entry is firmly established in the German financial world.
Many negative entries can still come from the past of the loan seeker. His financial situation and his payment history can be much better these days, so borrowing should not normally be a problem. But the German banks have their legal regulations prohibiting them from loaning a loan seeker with a bad credit rating. In many cases, the refusal of credit is also beneficial to the claimant. If he is already overindebted, he pulls himself into the debt trap with a new loan, which can ultimately end in bankruptcy.
One can assume that it is not just bullying from the banks if they do not give credit. Every loan seeker should think for himself whether he can use his income to raise a loan. He should face a spending and income side himself, there is still room for a loan, only then should he apply for one.
A loan without a remark entry is the business of credit agencies that are headquartered in Germany and contact their counterparties from abroad to provide their customers with acceptable credit. Of course, a borrower has to expect that these negotiations cost something. But billing should be billed correctly and not on a loan request. These are dubious practices that a loan seeker should not accept. Only when the loan application has been made, the commission can be settled.
A quick way to a loan without remark query leads over the Internet. All it takes is an online form to be completed and sent to the credit intermediary. After verification based on the data entered, the loan agreement will be sent for signature and must be sent with the credit checks to the lender. Only after its examination comes the final loan commitment and the money is transferred.
For a loan without a remark entry, a sufficiently high income must be available, as well as a permanent job. The income must be so high that it is above the attachment exemption limit. That is with a loan over 5.000 euro with a single one 1.600 euro net income.