A rent deposit is often three months’ rent. Not everyone can raise this money. In the case of a loan, the Credit bureau is normally checked, but there is also a loan for a rent deposit without Credit bureau
How can the loan be taken out?
The customer can take out the loan for rent deposit without Credit bureau through a credit broker. It would be very expensive to travel abroad to borrow money. However, the loan is often limited, so that often only a sum of up to 3,000 USD can be raised. Only a few exceptions are made here. Foreign banks often have almost the same lending rate as in Germany.
The credit broker can be found on the Internet, who then contacts Good lender banks. But before a loan offer comes, certain conditions must first be met. The terms include that the borrower is of legal age. In addition, he must have permanent employment for at least six months. The salary must always be above the minimum wage and at the garnishment limit.
The Credit bureau is not checked, but the banks can determine whether a loan has already been taken out in Switzerland in a short time. If this is the case, no further loan for rent deposit without Credit bureau can be taken out. It is only possible to get a loan again once the old debts have been repaid.
The self-employed, people without an income and also pensioners are excluded from lending. In the case of the self-employed, income fluctuates, for others there is no income at all and the pension cannot be attached. The bank loses security in any case. There is simply no certainty that the loan will be repaid. So only employees can benefit from the loan for rent deposit without Credit bureau.
Are Good lender loans serious?
A loan for rent deposit without Credit bureau from Switzerland is legitimate, but often the credit intermediaries do not. As in any industry, there are certainly black sheep that have to be sorted out. But how do you do that? Often things are not right when the credit broker already requests a commission before taking out a loan. This should not be paid and you should immediately look for another credit broker. A credit broker may ask for a commission, but only when a loan agreement has been signed.
In addition, you should be taken aback if insurance is offered in addition to a loan offer. According to dubious credit brokers, this should always be completed, otherwise there would be no loan for rent deposit without Credit bureau. You should also stay away from this. Insurance is never taken out with this loan!
Serious providers can also be recognized by the fact that no commission is paid if there is no loan contract. Furthermore, it should always be specified in writing how high the commission will be. If the effective interest rate is more than 15 percent, it can be assumed that the offer is no longer serious.
Alternatives to the loan for rent deposit without Credit bureau
There are hardly any alternatives to Good lender credit. Agree banks always work with Credit bureau, which foreign banks do not. The loans in Germany are always noted in the Credit bureau. You can try to take out a personal loan. Although there are numerous providers on the Internet here, there are also many black sheep walking around here. Filtering them out is not very easy. Experience reports can be read, but many of them are not real. To be absolutely sure, the family should be asked for a sum that could help.