Credit pre-approval?
Hello, what is a successful credit pre-approval? I submitted an online application to ING, and the preliminary review was successful. I was then given a contract to sign, along with an interest rate. Greetings
Debt restructuring?
Good day, I actually have two questions: I've requested debt consolidation from ING Diba. The preliminary review was successful via the system. Now I have to upload my payslip. Does the successful preliminary review constitute an "approval"? I've already been given an offer in the form of a contract (interest, etc.). When refinancing, I had…
Disadvantages of innocence?
Hello everyone, I wanted to ask what the disadvantages are of refinancing with a small loan. (Easycredit) I have six years left with an interest rate of 14%, but I have 6.99% interest with another bank. This way, I would pay less overall and get through the process faster. But I don't know anything about…
Small loan or KfW student loan?
I'm currently in a pretty bad situation. Unfortunately, I only receive €550 in student loans (BAföG) plus €250 in child benefit per month. Currently, my rent alone is €500, and after deducting my other fixed costs, I'm left with about €200 a month. Because I had a few bills at the beginning of the year,…
In-company retraining and ALG1, how is it calculated?
Good day, I'm starting an in-company retraining program in August and would like to know how much of the training allowance will be credited and whether I can still apply for housing benefit. I earned about €2,700 gross, rent was €700 plus utilities of €300. I have two children and my wife works part-time for…
Can I get a loan for debt consolidation?
Hello folks, I currently have a loan with Volksbank and a total of about 10,000 with Santander. My question is, can I refinance the two contracts and take out a new loan, so that I take, say, 50,000 from the bank and add the 10,000 of the debt to it, and pay it all off…
Loan with intended purpose?
Can a loan with a stated purpose really only be used for that purpose? And if so, how is this verified? For example, debt restructuring
Where can you refinance large loans?
Hello, I have a total of approximately 130,000 EUR in debt. My average minimum monthly income as an employee is EUR 5,900 net. I'd like to consolidate many of my debts, but unfortunately, I always hear from credit institutions that the total burden is too high. How can I refinance? And it would be worthwhile…
Do you get the full amount paid out if you refinance?
Good morning, I'm thinking about refinancing my current loan. My question is, if I refinance 35k, will I get this amount paid into my account from the new bank? LG michi
Can I take out a loan with a fixed-term employment contract?
Hello, I have a question that I can't seem to find a proper answer to anywhere. I'd like to take out a loan for around 20,000 so I can consolidate my debts and buy a car. Unfortunately, I was turned down by the bank two days before an appointment today. The reason is my temporary…
Got a loan approved (probationary period, income under 1000€)?
Hello, I have outstanding debts that I'd like to refinance with a loan. However, my net income is less than €1,000, and I'm still on probation. Are there any options?
Debt restructuring – financial experts needed?
Hello, Maybe someone here has a great idea other than personal bankruptcy 🙁 Because of Corona, like many others, I had some payment difficulties and had to take out many loans. My average minimum monthly income as an employee is EUR 5,900 net. I'd like to consolidate many of my debts, but unfortunately, I can't…