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Loan credit, despite current credit, does not usually pose a particular challenge to credit approval. Most people use a variety of credit options to help them finance their living standards. The article uses case examples to explain which loan options are possible.

Credit despite running credit – a common occurrence

Credit despite running credit - a common occurrence

The credit despite running credit is not a special case, it is the normal state. Most people have a checking account and a credit card. At the end of the month, the checking account for many employees has slipped into the red. Nevertheless, with the credit card in the internet something ordered. The case of a loan has already occurred despite an already existing loan.

Even with large loan amounts, it is not uncommon to have to serve multiple installment loans at the same time. The classic case is house building. Real estate loans often run over an extremely long period. Within the repayment period for the house, the homeowner nevertheless creates a different vehicle from time to time. Usually cars are not financed by the savings alone, but additionally by credit.

How many loans a person receives at the same time depends solely on personal creditworthiness.

Assess the personal creditworthiness correctly

A credit despite running credit becomes possible by the good personal credit rating. The creditworthiness of the individual is related to various factors. First and foremost the credit criteria are the earned income. The credit points may be based on the type of income, amount and employer. The security of labor income is another important point of evaluation. In addition, the credit rating increases due to created property values.

Payment obligations have a negative effect on the credit rating. The creditworthiness is lost at the latest when repayment difficulties reveal. A negative Schufa entry already suffices for the complete loss of credit for normal lending. In addition, the attachment exemption limit plays a role. Only the difference between the net income and the seizure limit is available for installment payments.

Suppose this amount is 500 euros. Thus, five different loan commitments of 100 euros or one installment loan of 500 euros can be paid. Apart from a small difference in interest rates, there is no difference between the two credit constellations. There is scope for another loan until the credit rating reaches its limits.

Additional credit for credit problems

Additional credit for credit problems

In the case of existing credit problems, in principle two ways out are possible. On the one hand, additional collateral can be offered. It would be conceivable a guarantee statement of a solvent guarantor or the pledging of insurance collateral. The alternative can be a provider change. Not every credit provider sets the same standard of valuation for lending.

Good chances to be creditworthy again due to a change of provider offer the offers of reputable credit intermediaries and personal loans. Probably the cheaper alternative that can be used for free is the loan, despite the ongoing loan from private investors. Private investors are often much more willing to take risks than commercial providers.

Make a non-binding loan request now

Make a non-binding loan request now

Why not spend some more money on your account for your extra wishes or as a financial buffer.

Ideal for existing loans

  • Start your loan request now (there is no contract yet).
  • After checking your request, the money is already in your account after 4 days.
  • You just have to accept our offer. If not, then not. No hook, no cost.