Are you planning your loan for rent deposit without Credit bureau and any additional costs due to the move? Against the background of a secure, already existing employment relationship?
Although we do not guarantee you any credit, but authentic information that can lead you to the right credit. For the rent deposit even credit opportunities open, if no labor income is available.
Loan for rent deposit without Credit bureau – problem situation
A loan for Mietbaution without Credit bureau and moving people do not seek, because it is so much fun to move. Every move leads to additional costs.
Citizens looking for non-Credit bureau credit can not rely on flexible regular credit to cover the extra cost. Any USD that is not in your checking account or under your pillow will be difficult to finance.
Without the chance of having a regular domestic loan from a bank, even without a dispensation, the view of loan offers from abroad falls prematurely. This decision skips the crucial question of whether credit can be granted in the same way as Credit bureau.
Despite Credit bureau, the credit from Germany, the range of offers is significantly larger. Emotionally even more complicated is the deposit loan.
Banks, private lenders and other contact persons are available for loan requests, even in difficult cases, as a contact person. However, always provided that a secure income from work enables repayment.
Without the secure social insurance income, only loans for social reasons.
Loan for rent deposit without Credit bureau, because the creditworthiness of the income from ALG 2 is zero, would be considered by the Arge as a lender. The Social Code regulates the exact application paths and circumstances.
It is taken into account in the law that income from ALG 2 does not qualify for normal credit provision. Nevertheless, no landlord will waive his rent deposit. It can not be done without a loan.
In order to make the ordered move feasible, the Office will issue an interest-free loan for the rental deposit. The loan is repayable only after starting work.
In addition, the Office will cover the costs of the move and provide support for urgently needed renovations. On the other hand, there is no official support for workers with negative Credit bureau who are working normally.
Credit with negative Credit bureau – despite or without Credit bureau?
A negative entry in the Credit bureau actually leads automatically to the rejection of credit by any regular credit provider. It does not take into account whether the reason for the entry has already been paid or whether the debt is being calculated in an unbalanced way.
Loan providers for risk loans are significantly differentiated from the starting point. A negative Credit bureau is not a blanket reason for rejecting a loan.
Loan for rent deposit without Credit bureau or despite Credit bureau decides on the question of whether the entry reason has been eliminated. Removed means the debt has been cleared, the negative Credit bureau entry is marked as done.
With completed entry, the lending would be possible despite Credit bureau. The biggest advantage of this is that not only one foreign bank, but different providers come into question.
An offer, for a loan to deposit the rental deposit despite Credit bureau, for example, could come from the Essen Bank. The “extra-credit” is one of the credit offers that may be perceived despite Credit bureau.
One of the advantages would be the flexible duration as well as the crediting of a loan amount even determined by the borrower.
Small loan volume and short term required?
If loan for security deposit without Credit bureau or Credit bureau only in smaller extent and with a shorter running time sought, could possibly a mini loan in question. Lightning and mini-credits were still unknown in Germany until a few years ago.
Today, several suppliers share this modern growth market. For example, Vexcash could finance short-term financing with a loan amount of between $ 100 and $ 5,000.
Always sufficient creditworthiness for lending provided. High credit sums awarded the provider only to proven existing customers.
The term would be limited to a maximum of six months.
Loan for rent deposit without Credit bureau – foreign credit
In fact, schafafreier installment loan, the Credit bureau is excluded from the entire loan procedure, comes from abroad. The loan offer was already known in the 70s as a Swiss loan or housewife loan.
A look at the advertising suggests that many banks are engaged in the granting of loans without Credit bureau. This impression, despite a variety of advertising claims, is inaccurate.
As far as all research shows, only a single credit bank offers legal borrowers from Germany the desired loan for rent deposit without Credit bureau from abroad. It is Sigma Kreditbank AG, headquartered in Liechtenstein.
Credit bureaufreie small loans are offered in the loan amounts 3500 USD, 5000 USD and 7500 USD. Regardless of the loan amount chosen, the term always extends to 40 repayment months.
The bank grants access to the Credit bureau-free microcredit according to very strict but clear criteria. Only employees with permanent employment subject to social insurance are entitled to the credit offers.
The credit check must be provided by each borrower personally.
Borrower requirements – loan amount and evidence
Credit bureau-free credit is not a credit offer without proof of credit. The secure lending, as required by law, results from the secure long-term employment and the sufficiently high income proof.
Neither over-indebtedness nor existing income pledging or assignment of the attachable income share a loan approval would be possible. A loan for rent deposit without Credit bureau from abroad is secured by the attachable portion of the earned income.
The actual amount of proof of net income depends on the maintenance obligations and the requested loan amount. The higher the loan volume, the more difficult it is for potential creditors to provide proof.
Examples: foreign loans without Credit bureau
To qualify for income for the smallest of the non-schoooled loans, prospective clients without maintenance obligations from a proof of income of 1150 USD monthly net income is possible. With a maintenance obligation would have to be provided 1600 USD proof of income, with two maintenance obligations 1850 USD proof of income.
Proof of employment 12 months. At 5000 USD loan for rent deposit without Credit bureau singles without maintenance obligations would have to prove an income of 1600 USD.
With a maintenance obligation, it would be 1900 USD earnings and for applicants with two maintenance obligations 2250 USD. In addition, a permanent proof of employment, always with the current employer, of 36 months is expected.
If 7500 USD loan for rent deposit without Credit bureau and relocation are taken up, singles must prove at least 1800 USD income. With a maintenance obligation, the proof of income requirement increases to 2100 USD per month.
For two maintenance obligations, a monthly net income of 2500 USD would have to be proven. Minimum duration of employment with the employer 48 months.