Consumers nowadays find it easy to get credit or buy goods on installments. With a fixed income and a good credit rating, this is not a problem. Gladly these offers are also used. But many do not think that unforeseen events can quickly ruin financial planning.
At first this starts harmlessly. The rates for a loan are paid late. As a rule, at a later point in time, the complete default of installment payments follows because the money in the month no longer reaches those affected and debts accumulate. At least now, the credit rating suffers, as the result is reminders, dunning notices and enforcement orders. Once it’s done, it’s almost too late. There is no longer a loan from banks in Germany. But consumers have the opportunity to borrow money from abroad. Getting a loan despite debts from Switzerland is still possible with a fixed income.
Agents are responsible for this
Now one or the other readers may get a shock, but who wants to get a loan despite debts from Switzerland, does not have to take long ways in purchasing. In Germany, too, there are mediators who do nothing but get a loan from abroad on their way. The debts in Germany do not matter because a Schufa query does not exist. However, the banks in Switzerland do not want to do without collateral. This includes a social insurance obligation. The proof must be provided in the form of a copy of the employment contract. The income must be correct and the residence of the borrower must be in Germany.