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Credit despite return debit

A direct debit on the account is certainly a very uncomfortable affair. This shows quite clearly that the current financial processes have faltered a bit. After all, there wasn’t enough money in the account to pay an open invoice.

Nevertheless, a return debit does not say anything about the financial behavior of the person concerned in general. Because everyone can calculate once and spend more money than is actually available. If this small imbalance is quickly compensated for and the direct debit cleared, everything is fine again and you don’t have to worry about anything else. However, if there are repeated direct debits and it is difficult to clean them up, the person concerned should take a look at his financial situation and see how and where it can be improved.

The checking account and borrowing

The checking account and borrowing

If you want to take out a loan despite a direct debit, you may find that this is not that easy. Because the current account is one of the most important indicators when it comes to assessing the creditworthiness of the borrower. Many banks or savings banks require access to the checking account before borrowing. With the help of bank statements, it must then be possible to show which income or expenditure is recorded on the account. If you tell the bank that there are always direct debits, this will have a negative impact on creditworthiness.

We therefore recommend that you do not apply for the loan immediately after the direct debit, but rather allow a little time to pass before the application is initiated. The return debit “slips” down on the bank statements and is no longer interesting for the bank.

What to do if the direct debit becomes a problem?

What to do if the direct debit becomes a problem?

It is not always possible to wait until the return debit has been taken so far that it is no longer relevant for the borrowing. Because in many cases the return debit came about because there is no money, which should now be obtained with the help of the credit despite the return debit.

In such a case, it may be advisable to use a guarantor to borrow money. Even if there is a fixed income and Credit Bureau has not yet saved a negative note, the guarantor can optimally secure the loan with the return debit. In this way, the bank recognizes that even in the event of payment difficulties, the borrower always has a partner at his side who could take over the loan. This reduces the risk of default and increases the chances of getting a loan despite a direct debit.

By the way: If the return debit has already had a negative impact on the Credit Bureau, the loan will generally only work with a guarantor. Or, you choose the way abroad and use a foreign loan as a loan despite a direct debit.

What type of credit is possible?

What type of credit is possible?

If you want to take out a loan with the help of a guarantor despite a direct debit, you can in principle use any type of loan. Because the guarantor will definitely restore the creditworthiness and the banks will not set any limits for the borrower. Only in the area of ​​the loan amount should you make sure that you don’t gamble too much. If you have financial difficulties, you should only ever select a small loan amount that is manageable and that is easy to repay.

Otherwise, we can highly recommend the consumer loan as a loan despite a direct debit. It has the advantage that an account statement is only required in very rare cases. Because the consumer loan is a dedicated loan, it is sufficient if there is income of at least 450 USD per month. The donors therefore do not have to check the income or have information about the expenditure, which makes a look at the account statements superfluous.

So if you have a good Credit Bureau and just wanted to take out the loan despite a direct debit to buy a new TV or other everyday items, you can also do this with the help of a consumer loan that you can borrow directly from the dealer and that after less security or Proof requires a classic installment loan.

Not to the house bank

Not to the house bank

If return debits have been made in the past, it is better not to take out the loan directly from the house bank. This not only looks at the bank statements of the past two or three months, but can also search the entire account history for abnormalities. If you want to be sure that you can start with a loan in the future, you should choose a different bank instead of your bank.

With the help of a loan calculator from the Internet, all offers from a wide variety of banks can be compared with each other, making it very easy to find suitable loan offers even away from the house bank. And on the terms that can also be agreed with a direct debit.

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