I would like to refinance an existing mortgage after the fixed interest period has expired and "move" it over to my main bank. The mortgage would then have to be updated in the land register, but otherwise it's not really a big deal. But now my bank, which I have been with for decades and…
The fixed interest rate period for a home loan from my bank expires at the end of April 2025. Previously, the interest rate was 1.35%, which was a common and certainly very good rate 10 years ago. I'm also annoyed that I didn't sign up for a 20-year fixed-rate loan back then. The interest rate…
Hey everyone, I would like to replace one loan with another with some additional credit, as the current interest rates on loans are very high. What exact amount do I need to specify for the new loan? I'll just take a random example. I took out a loan of 20,000 euros and because of the…
I owe about €10,000. I can't find a bank that will offer me a loan, as my credit report seems to be negative. I don't know enough private individuals who could lend me money. I earn enough to keep myself afloat, but I want to pay the entire amount (which is made up of several…
Hello, I would like to get a second opinion and ask what debt consolidation entails. I have several debts that I need to pay off.
Can I refinance my loan with the above-mentioned bank using my husband's salary without him being included in the loan agreement?
Hi, At the time, I had significantly exceeded my overdraft limit and now owe €3,800 to my bank. I was repeatedly advised to pay off my overdraft due to the high interest rates. In my case, 15%. Now that I'm working again and earning good money, I can slowly start using it again. Today I…
What happens if you used the debt consolidation loan for something else? (Other costs/debts/personal) Is it possible to get a new debt consolidation loan?
I currently have around €5,000 in debt. But I made them myself with conscious knowledge because I needed things. Now I'm starting to work and earning good money. More than 3,000 gross. Do you think it would be better if I paid everything off individually in a sum of €300, which would be enough to…
I want to buy a new car; my current one is financed. I'd still have to pay about €6,000 to the bank, but I'd like to offset this against the new car and the new loan so I only have one payment instead of two. Is that even possible?
Hello, I'm in debt to various creditors and am already seeing a debt counselor. However, they want around €100 per case number, which would ultimately be unnecessary for me, as that would cost me over €1,000 just for the case numbers. Now I'm wondering, are the fees always roughly the same for debt counselors? Are…
Hi good day I have a problem. I have requested a debt consolidation loan from the German bank. I also received an offer at home. I then called and told them that I would not sign the contract because it would have cost me more. They said the contract wouldn't come into effect until I…