Credit – Schufa – Home – Land Register Entry – Debts – Who can give me tips?
Hello tricky situation.
I'll keep it short…
I inherited my home from my father. But I also have debts, loans, and other things that still need to be paid off, plus there's a renovation to be done. I need some money to get everything in order.
I work full-time, and I can't afford the associated mortgage and smaller debts. I can normally pay the running costs of my home.
That would be about 600 euros that I would have to raise extra each month to pay off my credit and smaller debts. Then I would have nothing left to live on.
I'm still diligently paying off a loan, but it's all too much. I wish I could just get some kind of loan with smaller installments.
My current problem is that I have a few negative Schufa entries (ancient telephone debt of about €5,000).
I can't get a loan from my bank. The land register has been re-registered in my name.
Can anyone give me a tip or have experience with this so I can get money? A land register entry is welcome. I'm thinking of a mortgage or loan, so that a bank will be entered into the land register until I've paid off my debts.
I have a house and land, so it's normal that I have a fortune.
I can't get a loan from my bank or building society because of a negative entry in my Schufa credit report.
I simply want to use this to pay off my debts and get my credit rating back on track. I don't want to lose my home under any circumstances; there's too much work and money that my father and family have put into it. All the memories of this home can't just be thrown away.
Would be grateful for any tips.
I just want to live happily in the house without worries and stress.
(1 votes)
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ancient phone debts in the Schufa can’t be because they are deleted after 3 years when they are paid. The redemption can also not be higher than a corresponding rent for house, otherwise I would not have accepted the inheritance at all. If you can’t pay the current debt, then how will you pay a new loan. Selling house and hoping there’s something left
Don’t throw the Flinte into the grain.
Since 1991 we have experience in financing with real estate and negative Schufa, also open negative Schufa.
As a rule, the bank partner grants a rescheduling in the course of the rescheduling.
Then you can check the total debt as you want.
So repay everything, all in a pot, and just pay a rate.
There’s only one way to go to the bank and offer the house as security.
You inherited from your 90-year-old father who hadn’t been fully paid? Uncommon.
A loan to pay a loan?
Find all documents together and make an appointment at the Guillerberatung
Make a list of creditors, ask who is satisfied with a smaller rate, save at your cost of living.
Do you also need your refurbishment within 2 years of the change of ownership?
If you have made a comparison of the monthly input and expenditure, there is no air for a monthly reserve – draw the tear line.
In order to give you reasonable advice, you should have much more background knowledge.
If the bank gives you no money on your house then too many debts are on it
the house has no more value to write into the land register and your earned money is not enough for it –
best take a note and write on what the house costs and what you deserve and if the costs are more you will have to admit that it is not to be paid… there is definitely someone who gives you money at what price?? Stress and financial care is the value .. even if your parents could keep up today but unfortunately not debt-free then something went wrong here and what did they have for a life always the hunt after the next month whether the money is enough you want to live like that??
I’d sell you real rates and take the money what’s left and start from the front with a small apartment that you didn’t learn to save after your writing… before it goes into a forced auction and you can’t live a normal life in front of a loud debt…it’s not worth hanging on a house…just what you created it,
I hope you meet the right decision