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A good private credit checker is mandatory for a loan approval. Otherwise the banks refuse a loan. But that’s not the only criterion. The applicant must also provide proof of a fixed income, which must not consist of social benefits such as unemployment benefit or good lenders. Even if both a good private credit checker and a fixed income are available, a loan refusal can still occur despite a good private credit checker. But what are the reasons?
What leads to a loan rejection?
Reasons for a loan refusal despite good private credit checker can be too low an income. It is not just a question of the loan being repayable, the borrower must also have enough of his wages or salary to cover rent, gas, electricity and his living expenses. However, if the loan seeker does not earn enough to cover all items, this also leads to a loan refusal. Another reason for a loan refusal despite a good private credit checker is an existing loan. That alone does not necessarily lead to a rejection, but it depends on the amount of the loan and how long this loan has to be repaid.
Other alternatives are loans from Switzerland or from private individuals
If you have a good credit rating, you can also ask Good lenders about a loan. It is an association of private individuals who lend their money. A good private credit checker is also important here, but you are more willing to grant a loan if the banks have already said no.
Another alternative is a loan from Switzerland. No one is interested in private credit checker here: only a permanent job with a corresponding salary is important to the banks in Switzerland, because this is considered a necessary security. These loans are brokered through financial service providers. A personal consultation with the bank is not necessary.
If you are not in a hurry, you should take out loans online. The only way to save money is on the Internet, because many credit institutions only have an Internet presence and do without an expensive branch network. Many banks pass these savings on to customers, which is why a loan on the Internet is always cheaper. But that only brings a direct comparison.
Once the necessary forms have been signed and sent back to the bank, it only takes a few days for the money to be posted to the account. Of course there is also an entry in the private credit checker, but if you think that online banks are not affiliated with it, you are unfortunately on the wrong track. Creditworthiness therefore also plays an important role for online banks.