Never have the requirements on the borrower been higher than today. For many people who already have current loan commitments, the loan is therefore almost unattainable despite debt. For others, however, banks seem to carry their loans into the home. How come these differences and what chance do those affected to improve their own creditworthiness?
The loan despite debts – when will it be difficult?
The loan despite debts is first and foremost a trusted loan. The lender is convinced that the obligations are safely paid. The contribution that the debtor can make to building trust is great. Confidence building starts with the management of the current account. Much can be deduced from the current account account transactions.
If the account regularly falls into negative territory and the negative balance rises slowly, then it is already problematic. Obviously, the applicant can not afford his money. An additional installment would burden the effective framework even more – maybe even blow up. Even in cases where a computationally sufficient capital requirement for installment payments exists, it can lead to the rejection of credit. Even more negative is a return debit. It proves that even the house bank has lost confidence in the customer.
Which confidence-building measures are working?
In the credit bureau only credits may be registered, in whose repatriation there were never problems. To pay bills only after a reminder, that is with regard to the credit bureau, how to play with the fire. If even a late payment is reported, then the chance of a problem-free loan is lost despite existing credit obligations. Of course, the revenue situation must be classified as safe by the clerk. Temporary contracts or frequent changes of employer worsen the creditworthiness. The income level must be in good relation to the regular expenditure.
The revenue-expenditure comparison is carried out on the basis of statistical figures. In addition, current obligations are taken into account. As a result of the review, there should be a sufficient amount of additional installment payments. The checking account, as a further indicator of risks, should be kept in the balance. At the end of the month there is always a small amount left over. Under these conditions, very few clerks reject a loan despite debts.
Loans in the simplified procedure.
For large sums – at leisure – the lenders check very carefully. It is easier to grant a loan in the simplified procedure. The pioneer in these loans are department store loans. The focus is on sales promotion. Only the credit bureau and payroll are checked. If there are no abnormalities, then the goods come on loan in the house. Small loans of direct banks are often processed using a very similar procedure. Up to about a loan amount of 3000, – USD is the credit despite debt usually unproblematic.