Minors are generally rejected by banks as credit customers. However, the credit bureau can be informed about inquiries and loans. A bond without credit bureau is therefore not a miracle weapon, you will only get this loan if the bank is sure that you can repay it. It is not easy to find a loan for apprentices without credit bureau. A loan for apprentices without guarantors without credit bureau is a good idea?
Loan for apprentices without credit bureau
Loans for apprentices without credit bureau are usually difficult to obtain, because if a loan is provided without proof, this is usually due to the negative nature of the existing entry. Above all, apprentices, ie predominantly young people, but should have already preloaded in their old age strong credit bureau entries, as this is also a later problem when buying a car or renting a house.
The same applies to the loan, because if the trainee has already attracted negative attention in the past (from a financial point of view), it is also a bank risk. The latter must then fear that the loan can not be repaid without difficulty, that it will not be paid on time or that a seizure may need to be arranged.
In any case, the house bank incurs enormous costs that simply do not justify the comparatively low interest on micro and micro loans. The low income of the apprentices also makes it difficult to obtain loans for trainees without credit bureau, because even with the child allowances and BAB grants, the net income is only in the four-digit range in exceptional cases.
The apprentices in the new federal states still receive significantly less than the trainees in the old federal states,
That is why their creditworthiness is significantly worse. Only a high discharge protection can pay off when taking out a loan. Loans for apprentices without credit bureau can be completed at banks with a much higher success rate if the apprentices have their mother or grandparents as guarantors.
Of course, the partner or a good friend can be used as a guarantor, but most guarantors are more at home in the family environment, since the guarantee is a major security risk for the guarantor. The latter must be fully responsible for the borrower’s debts for the duration of the loan. If the trainee is unable to pay the installment, they must be reimbursed by the guarantor’s services.
But even apprentices without credit bureau can be released from their private lives; The personal relationships between the lender and the borrower and, of course, the fundamental financial needs of the environment are crucial here. In the case of unemployed or low-income families, it is more difficult to borrow than if both sides resort to higher salaries in a managerial position.
External lenders base their loans almost exclusively on independent assessments of the investor’s creditworthiness. This happens, for example, via the credit bureau or Credit forme – false information is often better than no information.