Fraud, lie or reality?
It is not uncommon for real lending to be questioned with a negative private credit checker. Up to the Basel contracts, the loan could even have come from the Sparkasse on the doorstep. From around 2004, the overall loan approval became more difficult for an increasing number of people. A milestone in selling negative private credit checker loans from regular banking was the nationwide introduction of credit by score.
The USD crisis has tightened conditions for all lenders. You should now be able to withstand stress tests. But this only works if there is sufficient equity and borrowers repay their loans. The “madness” of only granting 100 percent secure loans now covered all levels. From April 2009, AB was not allowed to grant Germans a loan without private credit checker. Subsequently, the private credit checker-free credit seemed banished to the realm of myths.
Nevertheless, the market is always based on actual needs. Loans with negative private credit checker no longer come from Switzerland, but from Liechtenstein. Hard commercial lending regulations only apply to commercial credit providers. Personal loans are not systemically important and are therefore exempt from the restrictions. The small list shows that serious loan offers with negative private credit checker are real.
Who offers financing with negative private credit checker?
Behind all real loan offers with negative private credit checker from intermediaries are banks that meet all the requirements of BaFin (banking supervision). There are only a handful of banks that are involved in risky lending in a significant volume. In addition to the reputable bank loan, the two market leaders for credit brokering from private to private, centiloan and trucredit, are added.
Recognize reputable loan offers – common sense is enough
It becomes problematic when people base their desperate loan search on brisk advertising slogans. Serious loans with negative private credit checker are not mass-produced. They are not comparable to an ordinary consumer loan with a good credit rating, but special loans. Few handpicked applicants can be approved.
In order for credit to work, the applicant often meets even higher requirements than with regular credit. Only the negative creditworthiness forecast can be put into perspective, but not a clearly recognizable credit default risk. Any advertising promise that promises a simple loan with no credit rating cannot be fulfilled. Apart from the private credit checker, the finances must allow secure lending.
The basic requirement is always income from the permanent employment that is subject to social security contributions. In order to secure lending alone, the income must demonstrate a sufficiently high attachable income component. Testing is carried out in detail by hand. Originals often have to be submitted. Under these conditions, a quick loan is to be expected, apart from microcredit, simply ignoring reality.
Stay alert – dubious intermediaries come out
Regardless of the advertising slogan, from the money available to the account in a flash, all intermediaries have the same contact person for risk loans. This means that intermediaries will appear to be dubious if the advertising promises something that lending banks will not keep. Obviously, the fraud is instant when the intermediary requests money.
Personal credit is not offered across national borders just because the applicant pays in advance.
Credit intermediaries are financial brokers. You don’t have to limit your business model to pure credit brokerage. Selling insurance is no less lucrative than brokering a negative private credit checker loan. They appear to be morally dubious, but legally working, if they offer prospective customers savings contracts, capital investments, insurance or the like. Each of the products mentioned further weakens personal creditworthiness.
Prospective borrowers take the greatest risk when it comes to intermediary hopping. If a serious mediator cannot help, no one else can. All intermediaries can only address the few credit institutions that would be willing to lend at all. The risk of getting to a dubious provider increases with every change.
Apply for credit – negative private credit checker and prospect of success
Before you choose a broker or a direct offer, the finances must be regulated. A look at the bank statements shows no payments to collection agencies or reveals chargebacks due to insufficient funds. Labor income subject to social security contributions has a solid, attachable income component. Of course, the income is currently not seized and has not been assigned.
The debtor register has no entries. Nobody grants loans with negative private credit checker with affidavit or insolvency proceedings. Real estate collateral can have a helpful effect on lending. For example, credit with a Kfz letter despite private credit checker is approved more often than just secured by income. We advise you to ask one of the major established brokers for classic credit brokerage.
For serious loans with negative private credit checker from Germany, we recommend trying credit through centiloan. The portal integrates financing offers from banks willing to take risks and loans from private to private. If it does not work, the direct application remains with the foreign bank, which can legally offer loans with negative private credit checker Germans. Credit applications from Sigma Kreditbank from Liechtenstein are available for download on the bank’s website.