Who is looking for a Swiss loan without Schufa without upfront costs, has two options. He can apply for a Swiss credit without any upfront costs through a reputable credit broker or directly at the credit bank. We have summarized for you which application procedure is worthwhile and what to look out for.<\/p>\n
A Swiss loan is advertised without Schufa and without upfront costs of credit intermediaries. Already in the advertisement it is to be expressed that the mediator takes it with the legal regulations seriously. Section 655c of the German Civil Code (BGB) stipulates that credit intermediaries may only claim commissions after a successful credit referral. Apart from the success commission, the intermediary may charge the highest expenses for costs incurred. The real cost trap threatens, with a dubious credit provider for Swiss loans without Schufa, therefore, with the expenses.<\/p>\n
A typical trick to drive up the outlay is the home visit. A reputable credit without Schufa comes easily without the "extra service" of a personal visit of the credit intermediary. The credit conditions can be read just as well on the Internet or in doubt directly with the credit provider to be asked. The loan application for a Schufa-free financing is kept quite simple and understandable. No one really needs help to fill in the few lines.<\/p>\n
Helpful can be a credit mediator only if not exclusively a Swiss loan without Schufa comes into question. Prospective borrowers who "only" have a bad Schufa could be qualified for a loan despite Schufa from Germany. In contrast to the Swiss credit, for which there is as far as known only one offerer, offer variety prevails with inland credits. Access to all domestic credit banks that offer the loan despite bad credit can only offer a credit intermediary.<\/p>\n
The advertising for a Swiss loan without Schufa and without upfront costs could suggest a wide range of offers. Until April 2009, there were actually several credit providers who offered credit-free loans from Switzerland for Germans. The Federal Administrative Court prohibited in April 2009, the then largest credit provider for Swiss credit, the further activity in Germany. As a result of the ruling, all credit providers withdrew.<\/p>\n
A legal loan without Schufa is, as far as can be understood, only since the end of 2010 again possible for Germans. The credit provider is Sigma Kreditbank AG from Liechtenstein. The bank was founded specifically for this purpose. It has the required licenses that previous credit providers lacked. Otherwise, little has changed in the model of Swiss credit without Schufa. The loan can be applied for through a reputable credit intermediary or also directly at the Liechtensteiner Kreditbank. In the direct application, except for the personal postage costs for sending the documents and a certification, no expenses arise.<\/p>\n
The credit application for the Swiss loan without Schufa and without upfront costs can be downloaded directly from the homepage of the provider. Can be applied for 3.500 euros or 5.000 Euro credit without credit history. Regardless of the loan amount, it must always be repaid in 40 equal monthly installments. Schufafrei cost 3.500 Euro loan 11.62 percent APR, 5.000 euros 11.61 percent. The monthly installment for 3.500 euros amounts to 105.95 euros. For 5.000 euros are 151.35 euros per month to pay. Before submitting an application, everyone should look at the eligibility requirements.<\/p>\n
A creditworthiness-free loan is not an everyday loan. Strict conditions are attached to the approval. The offer for a Swiss loan without Schufa without upfront costs is aimed exclusively at employees subject to social security contributions. The employment contract with the employer must be open-ended and not terminated. In addition, the employment relationship must exist for at least 12 months. There is an exemption only for temporary soldiers.<\/p>\n
Special requirements are also placed on the net income. It must clearly exceed the garnishment exemption limits. The entire loan guarantee is based on the borrower's earned income. A guarantor or the pledge of physical collateral can not improve the credit chances. Of course, there must be no garnishment of income or the garnishable portion of the income has been assigned.<\/p>\n
Another hurdle for many prospective borrowers is the public debtor record. The public debtor register is queried, for credit assessment of a Swiss loan. An entry, for example, about the submission of the affidavit, is a K.O. – Reason for the credit check. Advertisements that promise a Swiss loan without Schufa without upfront costs despite EV, should be viewed with extreme caution.<\/p>\n","protected":false},"excerpt":{"rendered":"
Who is looking for a Swiss loan without Schufa without upfront costs, has two options. He can apply for a<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[1],"tags":[],"yoast_head":"\n