Borrowing with a benefit

There are of course various types of benefits, just as there are different types of loans. The only question is, if you want a loan, which benefit will become, and which benefit will not be included when it comes to borrowing money. Borrowing money with a benefit is still possible, but the number of benefits that is included in the calculation of a loan is very limited. We have scanned the internet for you and delved into the various acceptance criteria of the banks. In the overviews below you can easily check when borrowing money with a benefit is possible. And of course also when there is no point in a loan to request. This can save a lot of disappointments. In the past, however, benefits were included better than today. Banks have become increasingly strict in lending. And this can certainly be noticed when we look at which benefits are and which are not possible.

Borrowing money with a benefit is possible with:

Borrowing money with a benefit is possible with:

Borrowing money with a benefit may be possible with the following benefits:

  • fixed annuity payment
  • retirement income
  • AOW pension
  • WIA benefit
  • WAO benefit

This list is of course not exhaustive, if you have any additional information, or if you have questions about borrowing money with a benefit, you can fill in the response form below. We then ask experts if they would also like to look at the question and give a correct response.

Borrowing money with a benefit is not possible with:

Borrowing money with a benefit is not possible with:

We have to add a little nuance here. If you have a partner who does have income from employment, or a benefit that can be included in the calculation for the money loans. Then a loan can still be possible.

  • Social assistance benefit
  • unemployment benefits
  • WAJONG benefit
  • WGA benefit

Is your benefit not listed? Fill in the response form below, and we will process the benefit you mentioned in the correct row as soon as possible.

Credit Bureau-free credit from abroad

Germany has changed sustainably. The gap is not only widening between rich and poor. Even when it comes to lending, things are no longer going smoothly. Garnishment exemption limits, perhaps even a negative Credit Bureau entry, deny the chance of a loan. A Credit Bureau-free loan from abroad can offer a way out of the credit crunch, but how does it work? Which alternatives to the foreign loan should be included in a loan comparison?

A Credit Bureau-free loan from abroad – the classic Swiss loan

A Credit Bureau-free loan from abroad - the classic Swiss loan

A Credit Bureau-free loan from abroad is possible, many people have already heard of it. These loans are advertised in magazines and especially on the Internet. Everything looks very simple in advertising. Just submit a short application and the postman with the money is at the door. Of course, it’s not that simple. A well thought-out system is hidden behind the concept of loans without Credit Bureau.

There is always a credit broker at the beginning of the chain. It is he who advertises and advances the process. His performance and business contacts provide the basis for the prospects of success. Without the credit brokerage, there would be no foreign loans for German borrowers. An international loan cannot simply be applied for directly from the bank. The credit intermediary must first process the application and provide the necessary background information so that the foreign bank can act.

Why is the loan at all possible without Credit Bureau?

Why is the loan at all possible without Credit Bureau?

Loans without Credit Bureau are possible due to the variety of credit systems. Legislation only specifies the framework for the credit system. Every country in the world sets its own standards. The Credit Bureau is “the measure of all things” in creditworthiness only in Germany. Foreign banks set their own guidelines for loans. The Credit Bureau can, but does not necessarily have to be involved.

From this point of view, a Credit Bureau-free loan from abroad is nothing unusual. It only becomes problematic with the credit check. For this purpose, foreign banks need a credit intermediary who collects and compiles the necessary information seriously. There is no need for Credit Bureau information.

Obstacles and stumbling blocks on the way to a Credit Bureau-free loan

Obstacles and stumbling blocks on the way to a Credit Bureau-free loan

The cost of a foreign loan without Credit Bureau is always slightly higher than that of a normal domestic loan. The price difference arises on the one hand from the agent’s fee, but it is not alone. Foreign loans often have a significantly higher interest rate level than a loan from Germany.

Loans are subject to market competition. Anyone who is eligible for a Credit Bureau-free loan from abroad should therefore compare exactly. Offers for the foreign loan should be included as well as domestic credit without Credit Bureau and the personal loan.