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ellaluise
1 year ago

Hi, a bond and a bond protection account ruins your credit.

If you don’t have the possibility of a small loan at your bank. to use the dispo and pay the debt before a deposit? You would have done that in a few (3-6) months. Of course, the creditor(s) can also negotiate a rate payment.

So, if possible, don’t let it come to the door!

The other responders have already written about the deposit-free amount, you would have taken 500-600€ “away” or so, you can use it for a simple deposit.

Mamue1968
1 year ago

How high is the fixed amount/free allowance? The invalid basic amount (free allowance) shall be: to 30. June 2023 monthly 1.330,16 Euro. The amounts relate to the net income of the data subject.

Up to what amount may a wage be paid?

Open P account: How to do it

At the Sparkasse you can use your existing Account convert into a P account in a local branch. A button is available online to arrange an appointment with your consultant. In this, he informs you about the consequences of a transformation and checks whether you really need the protection of attachments. Then he will submit a form you sign. The conversion goes fast: until the deposit-free limit on your account reaches a maximum of 2 working days.

https://www.finanzflu.de/girokonto/sparkasse-p-konto/

Mamue1968
1 year ago
Reply to  Mamue1968

A P-account automatically provides protection against imposition1.410 EURper calendar month. Additional amounts may be released for proof1. The allowance limit depends on the number of persons subject to maintenance. From 1 July 2023 to 30 June 2024 is the lowest bond-free limitEUR 1.409.99a month. For each dependent person (up to 5), it increases.

That means: A net income of 0 dependantsEUR 1.409.99are not fed monthly

DasOrakel
1 year ago

How much can be planted?

Grob 600 € mtl.

Do you have the debt in almost 1/2 year from the back 🙂

Richi008
1 year ago

from 01.07., a little more than 400€ will be pledged for a net earnings of 2,000€. (wage allowance).

From 01.07 on account 1,409,99€ will be released if the account is managed as a P account.

there would be 590€.

Knoerf
1 year ago

Make a comparison with your creditors. Maybe you can reduce the debt to 3k Euro. 4k Euro, as a user wrote right here, are not much money. Just ask relatives and friends for help and then pay the money back in rates.

Lennox19901607
1 year ago

4000€ are not much. Go to the creditors and provide them with advance payment.