First of all, non-credit credit for unemployed people sounds like there can not be such a loan at all. Unemployed people are generally considered unworthy of credit. The credit information is also inevitable for German house banks. It is always obtained before the award of a loan, a credit information, regardless of whether someone pursues a regular job or not. Nevertheless, it is possible to get a loan with credit for the unemployed.
Credit without credit for the unemployed
As already described, in Germany you do not receive any credit without a credit statement. Foreign banks, on the other hand, advertise the granting of loans without credit for the unemployed. For foreign banks, the unemployed, debtors, mini-jobbers, but also the self-employed are a target group. All these people have a hard time getting credit in Germany. Abroad, however, it is made much easier. The fact that the loan application is made for a foreign bank, the applicants also receive no new credit entry, since the debts do not affect Germany.
In this way you can not only bypass a credit information, but also a new credit entry.
A loan without credit for the unemployed can be obtained very easily.
The best way to get informed on the Internet. There you will find many different banks with their loan offers. It is easy to obtain an individual, non-binding offer from most banks online. To do this, one first of all selects how high the loan should be and how high the monthly installment is.
Then you can choose between different points that are important to you or rather unimportant. For example, would you like a loan without credit for the unemployed with the lowest possible interest rates? Or is more emphasis on a particularly long or extremely short term of the loan? Or is it particularly important that you can repay the loan early?
Next you enter your personal data such as name, address, date of birth and e-mail address. After submitting the form – the data will be passed on all encrypted – you will receive within a short time by e-mail his individual, non-binding offer sent. In this way, you can now comfortably compare the different offers from the different banks at home. As a rule, interest rates vary between 5% and 16% with a term of 24 months or 120 months.
The running time can be chosen so very long, so that even with low installments a repayment is well possible.
The interest rates are of course higher than is the case with German house banks. For this you get a loan without credit information and that, although in Germany is considered unworthy of credit. However, foreign banks should be careful not to overlook hidden costs.
Additional costs may be incurred as a processing fee, for a commission or for insurance. About these additional costs, the banks secure against the loan applicant. So you should read through the fine print and compare these offers with each other on the internet. In this way you will not be surprised in retrospect and know what to do with the loan. A loan without credit for the unemployed is therefore quite possible.