The creditworthiness

The credit rating plays a very crucial role in granting a loan. In the banking language, the credit rating is also called credit rating. Basically, for all loans: the better the credit rating, the sooner you get a loan granted and the lower the interest that you have to pay for the loan. Anyone who has bad creditworthiness will find it difficult to obtain them, and not just for new loans. Even if, for example, a new mobile phone contract is to be closed, a request for creditworthiness will be made.

 

Review of creditworthiness by banks

Review of creditworthiness by banks

If a consumer asks a bank, whether it be an internet bank or a branch bank, to apply for a loan, the bank first checks the creditworthiness. This is done via a request to the Schufa, since all data is collected in this context. The loan application always contains a so-called Schufa clause, which gives the bank the consent of the applicant to check the creditworthiness of the Schufa. If the applicant has not properly fulfilled his payment obligations in the past, this will be noted in the Schufa. Then it is a so-called negative entry, which makes it difficult to get another loan granted. The Schufa thus protects lenders against possible defaults on repayment.

It’s incredible how many details you can find out on futai

 

That’s how you influence your credit rating

That

On its own creditworthiness one can take a direct influence. First of all, the creditworthiness is always very good, if you do not even need to take out any loans. However, if this can not be avoided, care should be taken to comply with all payment obligations arising therefrom. Furthermore, you should get yourself at least once a year a self-assessment at the Schufa. Through them you can see what data is collected here. Loans that have already been repaid can be deleted on request, so that the creditworthiness data is up-to-date.

Credit work without proof

Before you commit to a loan work, you should learn about your opportunities. They are indeed multiple: eco loan at zero rate, loan work assigned, financing through energy suppliers, credit work without proof. Creditstairs explains in which cases choose the personal loan without proof.

Ready work without proof, reverse?

Generally, a work loan taken out with a bank must be assigned. In concrete terms, you will need to provide the invoices to explain the use of the funds granted. It may be a single invoice from a contractor including material and labor. But you could also be held to the tedious task of advancing the amount at a DIY store for example before providing the bill to the bank to release the funds concerned, a portion of the overall envelope allocated. With a credit work without proof, everything becomes simpler. You buy a personal loan for a certain amount from a banking institution or an online credit platform and then use the capital granted at leisure.

Alternative solutions to credit work without proof

Alternative solutions to credit work without proof

When your work focuses on improving the energy performance of your main home, you can, under certain conditions, qualify for the eco-loan at zero rates or financing solutions put in place by energy suppliers. The work must be done by authorized professionals. Note that if you do not take advantage of this type of funding, you will potentially be eligible for the energy transition tax credit.

Why choose the work credit without proof?

Why choose the work credit without proof?

Admittedly, the loan works can benefit from preferential rates compared to credit work without proof, but it remains more binding. A loan work without justification will allow you to achieve your amenities at your own pace without having to provide quotes or invoices. You will then be able to change your mind about your projects, spread out your expenses if there is not enough time to realize your desires. You can also use your borrowed capital to modernize your decoration with furniture, objects or household appliances.

The new protections of your credits

Wimks: better credit management works

 

Document summarizing the main characteristics of the loan contracted, the Wimks is supposed to bring more transparency in agreements between borrowers and credit institutions. They must provide all the necessary information to the borrower free of charge so that he can choose the loan that suits him best. In this sense, the focus is on the pay of the institution, as well as the solvency of the borrower.

Wimks: a transparent loan offer

Wimks: a transparent loan offer

 

The Wimks is a document written in an accessible vocabulary, which follows a well-defined plan. It is thus possible to read it quickly, by going directly to the headings such as:

  • Main features of the loan;
  • Amount of each payment;
  • Additional obligations.

To quickly compare offers from multiple lenders, it is advisable to simply go to Interest Rates and Other Fees.

An additional step towards European harmonization

An additional step towards European harmonization

 

This directive, which was enacted in 2016, responds to an order dated 4 February 2014 proclaiming a “harmonization of the legal framework for mortgage and real estate loans” on a European scale. These provisions are intended to provide a unified legal framework for better protection of European consumers against banks. By optimizing searchable information before signing a contract, it is easier to compare multiple loan offers. The credit worthiness analysis of the borrower is also required, in order to minimize the risk of non-repayment.

Credit protection works, see also

  • Cons credit
  • Auto loan 10000 euros
  • 10000 euros credit
  • Time limit for credit withdrawal
  • How to finance his business school

* Upon receipt of your complete file,  Credit can give you an answer in the 24h worked by SMS in the case of an acceptance, and by email in the case of a refusal.
** Study conducted on the basis of a statement of rates made by Sémaphore Conseil, on the amounts of € 1,000 to € 3,000 and the maturities of 24 and 48 months.

A credit commits you and must be repaid.

A credit commits you and must be repaid.

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Check your repayment capacity before you commit.

Creditstair  is accredited as a credit institution – Investment Services Provider by the Prudential Control and Resolution Authority (ACPR, approval number: 16488).

The funding is granted subject to final acceptance by Creditstair after the study of your file. You have a right of withdrawal of 14 calendar days after the signature of the loan contract offer. If your file is definitely accepted, Creditstair will keep a number of your supporting documents for the duration of your contract.

You may exercise your right of access, rectification, deletion, portability to personal data about you, or oppose their use for prospecting purposes or limit the processing by contacting customer service by clicking here.

The borrowing rates (APRs) are fixed and vary from 0.75% to 17.90% and the duration of the loan is between 6 to 84 months