Actually, it should be perfectly normal to take out a loan without pre-financing and without Credit Bureau. Unfortunately, the reality looks a bit different.
Because this combination has a explosiveness in itself, which is recognizable even at first glance.
Financing Credit Bureaufrei safely – short version
- Credit without Credit Bureau currently awards only a single bank to Germans
- Apply for debt-free loans – without any pre-charge costs – directly from Octa Kreditbank
- In the connected comparison you will discover alternatives ” despite ” Credit Bureau
- Apply now – TÜV tested safely & without any costs – about the credit comparison
What are initial costs?
In general, one should be able to assume that a loan gets along completely without any cost. After all, borrowers want to borrow money and not spend money.
Credit without pre-payment and without Credit Bureau – without intermediaries – apply directly
But the reality shows that there are definitely offers with pre-cost. They must or should be raised by the borrower before borrowing.
Inter alia, in the form of a fee for arranging the loan by a credit intermediary. Or in hidden form through insurances or subscriptions that are underlined to the prospect.
The argument for these additional costs is usually the easier borrowing. Those affected usually have a difficult credit rating that actually speaks against a loan.
However, if this is taken up with the help of insurance or similar things – so the reasoning – this improves the chances of a good loan offer.
How or when do you incur preliminary costs?
However, this is not the case in most cases. Those affected only have the initial costs, but have not come one step closer to the credit.
Therefore, such pre-cost should be avoided. They arise when dubious credit intermediaries are in the game and credit prospects with a bad credit rating in the prospect of credit.
Those affected by the cost are therefore usually the ones who do not get credit by regular means and therefore look for alternatives. If these alternatives lead to credit intermediaries, every offer must be studied carefully.
Unfortunately, there are many dubious providers. And finding them is not always easy.
A loan without a cost and without Credit Bureau should therefore not be taken for granted. However, if every loan offer is scrutinized, such an offer can be found.
Why without Credit Bureau?
A loan without a cost and without Credit Bureau is a difficult construct. Because without Credit Bureau means that this is negative and therefore can not serve as collateral for the loan.
If the Credit Bureau would indeed be queried, the lender recognizes the weaknesses in the Credit Bureau and will complain. It can therefore come rather to a credit cancellation, as if the Credit Bureau is not queried.
The entries in the Credit Bureau can be of different quality. A completed negative entry weighs less heavily than an entry indicating a bankruptcy or the filing of an affidavit.
Nevertheless, the donors know, of course, that the Credit Bureau is negative, if this is not to be asked for the loan without pre-charge and without Credit Bureau. However, they can not determine how serious the problems are and therefore focus on other collateral when lending the loan.
Credit without cost and without Credit Bureau – admission
In order to be able to find a good deal on a loan without pre-financing and without Credit Bureau, the market for such loans must first be explored. It does not do much to ask the loan without any cost and without Credit Bureau simply at the house bank.
On the one hand, this is no credit without the query of Credit Bureau assigned. On the other hand, it is not clear that the house bank automatically holds the best loan offer.
The loan is offered without any cost and without Credit Bureau, inter alia, abroad. For years, Octa Kreditbank from Liechtenstein has been offering debt-free loans on favorable terms.
The offer of the bank can be taken without a mediator, so that no pre-cost. Who has a fixed income and fulfills various other requirements, will find there a small loan to 7500 USD.
Credit portals in Germany
Interesting in connection with a loan without pre-cost and without Credit Bureau are various large loan portals that can be found on the Internet. Providers such as Credit-Mono specialize in loans that have a difficult background.
The providers act as intermediaries with their platform. But so that no costs are incurred. Costs for the mediation can only be paid when a credit agreement has actually been concluded.
The money for the brokered loans comes from private investors. These invest in the different loans, if they are convinced of the purpose.
For a loan without a cost and without Credit Bureau must therefore be described very exactly what the money from the loan should be used. If this succeeds, small loans but also larger loan amounts are possible.
Depending on which hedges can be offered.
The guarantor on borrowing
If the classical way for the admission of a loan without Vorkosten and without Credit Bureau is taken, then this leads only over the traditional banking houses. However, these only grant a loan if the borrower’s creditworthiness and thus also the borrower’s credit suit.
If this is not the case, the loan must be taken with the help of a guarantor. A solvent guarantor compensates for the weaknesses of the actual borrower and optimizes their creditworthiness.
If this becomes so good that it can be borrowed by the guarantor, it is important to compare different loan offers. Because then many banks and savings banks are available for taking out a loan without pre-financing and without Credit Bureau.
The different possibilities for borrowing show that it is essential to make a comparison before borrowing without any initial costs and without Credit Bureau. It’s not just about finding a cheap deal.
The type of borrowing must also be determined. It is favorable, if only once attempted to take up the loan with the help of a guarantor.
No bank needs to be contacted abroad for this. And even the private donors do not need to be asked for help.
It is important that it is always ensured that many securities are offered. Who has a negative Credit Bureau, must necessarily have a fixed income.
It must be so high that the loan can be conveniently repaid. In addition, the loan should be used without pre-charge and without Credit Bureau always for the settlement of debts.
Only when the Credit Bureau is positive again at some point, life is also easier. And not just in terms of taking a loan