Loans despite negative Schufa even possible? Anyone who ever has thought about some purchases, it was the car or debt to finance a real estate, knows what it’s like to apply for a loan. The credit application is not just mostly a very bureaucratic undertaking but also linked to numerous evidence with regard to the own creditworthiness and ability to pay. It is particularly expensive, if you applied for a loan as an independent. Everyone who has already completed a loan and still relies on a more leverage, knows how hard it is to get loans despite Schufa. Hardly a bank or credit institution is ready, despite existing debts, to make money. Some large banks have specialized on such issues. Offer loans despite Schufa and require neither a Schufaauszug, yet the credit even in the Schufaregister is entered. In Germany, there are some reputable credit institutions specializing in this financing. At the forefront to find for example the Bon credit. It grants up to a total of 75 thousand euros, loans despite Schufa. The run time can be from 12 to 120 months. The company Creditolo is a popular focal point in terms of the loans despite the Schufa. At Creditolo you get loans up to 100 thousand euros and also here you can arrange a repayment period of 12 to 120 months. At Creditmaxx you also credit amounts up to 100 thousand euros available, schufafrei but only up to a total of 3,500 euros. The amount of interest depends on the maturity, the loan amount, and many other factors. You are but most amounted to 4.90 percent per anno. If you looking for credits without Schufa and want to compare them, it is worth in any case to obtain for the time being different quotes. These are mainly non-binding and can be completed over the Internet very simply and quickly.
Caution case. Where are the problems in the legal protection? Each legally insured persons has noticed, that services the health insurance companies have been cut in recent years. In the statutory pension insurance, there were abolition of the occupational disability pension for younger, cuts in pensions etc – much clearer cuts, but largely unnoticed, were. Mistake number 1: Legally insured persons are protected with disability. No, only people can get the general disability pension who were born prior to the effective date January 1, 1961. All young workers are obliged to find another job if they could, due to illness no longer can work in their original profession but working in other professions regardless of the professional qualification. In the present situation leads this requirement often in the low wage sector, or even directly into unemployment. The full statutory disability pension receives only, who from for health reasons less than three hours a day to work. Security requirement for this is incidentally, among the so-called latency (= insured time) by five years. This means: new entrants have usually no entitlement to benefits under the statutory pension insurance. Examples: Thomas S., 28, married, worked ten months in the hospital after his medical studies and last earned 2,800 euros gross. After a sports accident he can no longer practice his profession. Other activities are not eligible. His situation: Although he is fully incapacitated for work, he receives no benefit from the statutory pension insurance, because he has not met the qualifying period of five years. The family must be the woman’s income. Britta W., 40 years, working as a dance teacher for 19 years, suffers from chronic pain in the knee and must give up their profession. Since but half a seated activity can be expected of her, she receives only the half-disability pension. Routes She finds a job at the cinema box office missing qualification. Their earnings plus payments from the disability pension are significantly lower than their previous income. Mistake number 2: The widow’s / widower’s pension amounts to half of the income of the deceased spouse well. No, the big widow’s pension currently amounts to 55 per cent of the pension entitlement (!) of the deceased, not the last income. Who educates children, receives a child component to do so. Who is under 45 years old and raising children, is only entitled to a small widow / widower’s pension. The small widow’s pension amounts to just 25 per cent of the pension of the deceased and is paid limited mostly to two years. Mistake number 3: Children are financially backed by an orphan’s pension, until they stand on their own feet. No, the financial benefits are not high. The half-orphan’s pension is ten per cent of the pension rights of the deceased plus a surcharge based on its pension-legal times. The full orphan’s pension amounts to 20% of the amount of the pensions of the two Deceased plus a surcharge, which allows pension legal times of both parents are incorporated into the calculation. Here, too, the so-called latency plays a role: parents were new entrants, the orphans will receive no services from the statutory pension insurance. conclusion: depending on the provider is younger, the harder it is to government backing for him and his family