sees In a Schufa entry is usually made funny with a loan from the bank. Even with a "Kleindredit" to 5000 - €.
But they do exist, the schufa-free loans up to 5 or 7 thousand for married couples up to € uro. However, these loans are usually not from Germany. The German lenders here are much too fussy. For their "gospel" is the Schufa information. Without looking behind this gospel, whether it is true.
At this point, only the test of "financial test" cited, who assigned 89 people to obtain a credit report Schufa. Only 11 subjects were the info's correct. No further comment.
Such bank loans come mostly from Switzerland. The Swiss do this again to its name. Nevertheless, they are giving "blind" their money, and they want like any other bank, you get back borrowed money.
Therefore, these foreign banks are "rules" on how to:
No Schufa information is obtained, negative Schufa entries are not interested
is banking information is not relevant for them
made by credit no message to the credit reference agency
possible lending at even other ongoing loans
no guidelines for the use of the loan, so rescheduling, MRP compensation or similar
loan payment will be discreetly by mail
During the term of a constant interest rate, maturity mostly 40 or 48 months
preconditions to the borrower:
unmarried has a minimum of 1070th - €
job must be present and at least 1 year have been exercised has been
already once or several times taken a loan from Switzerland to claim, the current place of employment exercised only been half a year
The most important prerequisite was still a German citizen named.
made the payment for credit approval easily in the local post office.
At the urging of the BaFin out in April 2009 precipitated the Federal Administrative Court judge, the Swiss banks is prohibited to make targeted advertising in Germany.
The Seeking credit may on its own initiative to secure a loan or it may raise a loan broker. Because this is not forbidden to advertise.
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