A savings bank loan despite credit bureau is not a matter of course. No matter which savings bank you ask. A credit requirement is always called a positive credit bureau.
Not everything is always good together
However, in life, not everything always works the way you want it to. This also includes a negative credit bureau, which has arisen faster, so you can think. Especially with mobile phone contracts, it is enough if an invoice was not paid. It does not matter if this is justified or not. The providers are very fast with their entries in the credit bureau, and then they have their “joy” for at least two years. Because it takes so long, until a completed entry was deleted again.
For these and many other reasons, it is not surprising that more than 8 million consumers in Germany have a negative credit bureau. And if these consumers are looking for a loan, then they also like to inquire about a savings bank loan despite credit bureau. After all, the savings bank is very present with many locations. It is for many consumers the house bank, which is also gladly used for the borrowing.
Does the savings bank have credit despite credit bureau?
Although the credit bureau is a very central issue in the lives of many consumers, but it must be lived with the fact that there is a savings bank credit, despite credit bureau in the classical form does not exist. However, it is possible to take out this loan with the help of a co-applicant or guarantor. The savings bank is very accommodating in this regard and allows a second borrower to improve the chances of a loan.
However, it is important in this context that the second borrower is solvent. He must have at least one positive credit bureau to enable the loan to be taken. At best, he should be able to present a fixed income at an attractive level. The savings bank would then concentrate on the co-applicant and calculate the loan on the basis of these conditions.
What can be expected?
Even with the savings bank one does not conjure. It is therefore unlikely that a large loan amount will be approved for a savings bank loan despite credit bureau. As a loan applicant, you should therefore show modest at best, so that the loan request can be met.
A small loan amount and small monthly installments will be very conducive to borrowing. If a permanent position is available, the loan can be additionally secured with a residual debt insurance. In general, the savings bank will reward any form of security with low interest rates. One is therefore always well advised, if one prepares well for the admission of a savings bank credit without credit bureau.
Online or on site?
As a rule, you take out a savings bank loan with your own savings bank and not with another savings bank. There is nothing to prevent it if the loan is taken on the spot.
All savings banks also have a website ready. There, the same benefits are granted as locally. The loan can therefore also be requested online if requested. Which way is the best way, everyone must decide for themselves. Online is convenient because it can act from the home sofa. At the local savings bank, it is sometimes possible to wait directly for the payout. This certainly has its advantages.