Swiss credit without Credit bureau query – fair opportunity.

 

Within Germany, very strict rules apply when it comes to awarding a loan. Other rules apply abroad when Swiss credit without Credit bureau query.

The credit rating has to be right so that a commitment can be made. This can be influenced by various factors.

In the first place stands the Credit bureau, which shows the economic circumstances of the prospective customer and thereby makes clear whether a creditworthiness exists or not.

Bad Credit bureau – little credit offers

Bad Credit bureau - little credit offers

Show weaknesses within the Credit bureau, this thinning the loan offers significantly. In fact, German banks have little interest in working with borrowers who are experiencing economic and thus financial problems and have an increased risk of default.

Alternatives must therefore be found that can meet the credit request. Finding suitable alternatives can sometimes be like finding the famous needle in a haystack.

The offers are sown very rare and many black sheep try to enrich the need of creditors. Because in this area of ​​credit delays in admission can lead to further financial problems, so that most credit seekers are urgently looking for a loan and therefore accept any offer.

What is a Swiss loan without Credit bureau query?

What is a Swiss loan without Credit bureau query?

In connection with borrowing from a negative Credit bureau is very much spoken of a Swiss credit without Credit bureau query. So from a foreign credit, which closes the financial hole and waives the query of the so important in Germany Credit bureau.

Such loans are gladly offered by credit brokers, who earn a golden nose to those interested. The Swiss credit without Credit bureau query can also be taken independently.

Namely, if one knows as a borrower, who awards the loan and which contact options exist to the provider.

The Octa credit bank as a contact point for a Swiss loan without Credit bureau query

The Sigma Kreditbank as a contact point for a Swiss loan without Credit bureau query

By far the most offers for a Swiss loan without a Credit bureau query come from the Octa credit bank, which has pitched its tents in the Principality of Liechtenstein. It is therefore not mandatory that the Swiss loan must also come from Switzerland.

This designation is rather misleading as Swiss banks only grant very few loans to German citizens. Rather, it is a winged word, which has prevailed in connection with foreign loans over the years.

The Octa credit bank is building its offer around the Swiss credit without Credit bureau information on solid pillars. So there are only three different loan sums that are offered.

This would be 3500 USD, 5000 USD and 7500 USD. Other variants regarding the loan amount are not provided.

Even when repaying the bank has very specific ideas that are not negotiable. Because 40 months are scheduled.

The monthly burden of the loan is consistently high. And the effective interest rate is also fixed and not linked to the creditworthiness of the borrower.

What does the bank expect?

What does the bank expect?

In return for the Swiss loan without Credit bureau, the latter must be able to demonstrate a permanent employment which has been in existence for at least one year. The income must be well above the attachment exemption amount.

On top of that, it is checked whether affidavits or a bankruptcy with the borrower exist. The Credit bureau is not queried.

The data mentioned are – if available – queried via the public debtor directory. Thus, it should be clear to everyone that a Swiss credit without Credit bureau query works, but is not given lightly.

Although he represents a good alternative to the offers from Germany – but he is not a panacea. No loan offer which will take effect when high debts have piled up.

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