micarmor.com http://www.micarmor.com My WordPress Blog Tue, 19 Feb 2019 12:54:48 +0000 en-US hourly 1 https://wordpress.org/?v=5.1.1 Small credit despite negative http://www.micarmor.com/2019/02/19/small-credit-despite-negative/ http://www.micarmor.com/2019/02/19/small-credit-despite-negative/#respond Tue, 19 Feb 2019 12:54:48 +0000 http://www.micarmor.com/2019/02/19/small-credit-despite-negative/

Getting small loans despite negative Schufa is not as difficult as you think. Although, in particular, coaches do not provide loans because of negative schufa, one can obtain a small loan by other means.

You are looking for a small loan?

You are looking for a small loan?

We show you how to get a small loan quickly and safely!

Private individuals give small loans

If you need a small loan of a maximum of 3000 euros, you can apply for a loan without Schufa from private individuals. These can be found, for example, at Smava. There, a small loan can be applied for quickly. This is processed after just a few hours, as soon as a suitable private person has decided to grant the loan. The money can then be transferred to the account within 48 hours.

Why do private individuals give out small loans?

Why do private individuals give out small loans?

Especially with a small credit line, private individuals do not have to fear much. In addition, you demand high interest rates, which is why lending is worthwhile for them, despite negative schufa.

Can private lenders look into the German Schufa system?

No! Private individuals can not access the German Schufa system. Therefore, the Schufa entry is not included in the credit check.

Do I have to meet other requirements in order to get a small loan despite negative Schufa?

Yes! Criteria such as age of majority, German residence and fixed income play a role here.

Is a minimum wage required?

Depending on the provider, proof of a minimum income of 750 gross can be demanded.

I have no income – can I still apply for a loan?

I have no income - can I still apply for a loan?

Yes! Even without income it is possible to get a loan. For this you need a guarantor who will pay for the loan in case of non-payment. Often, a guarantor is sought in the immediate circle of acquaintances or in the family. After all, it has to be someone you can rely on and who also puts your trust in the borrower.

What do I have to specify for a credit application for a small loan for data?

For now, only information that serves the credit is requested. These amount to the loan amount and the reason of the loan. If a suitable private person wants to take over this loan, you will first be sent an e-mail with the further steps. Subsequently, only personal data (such as first name, income, etc.) are transmitted.

Conclusion: small loan despite negative Schufa

  • Payment within 48 hours possible
  • Schufa entries are not considered
  • uncomplicated loan request
  • free and without obligation
  • Small loans no problem


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Real estate loan http://www.micarmor.com/2019/01/25/real-estate-loan/ http://www.micarmor.com/2019/01/25/real-estate-loan/#respond Fri, 25 Jan 2019 13:08:33 +0000 http://www.micarmor.com/2019/01/25/real-estate-loan/

The real estate loan without SCHUFA is not very long, he represents in this market a small revolution dar. Who knows the limits of consumer loans without SCHUFA (with all providers around 5,000 euros), marvels a little about a real estate loan without SCHUFA.

Real estate loan: How can this work?

Real estate loan: How can this work?

A property is brilliantly secured by the land register entry, that is true. Therefore, a layperson might assume that financing without SCHUFA in the housing market can not be such a big sensation. The financing bank can easily retrieve their money through foreclosure if the installment fails for both the client and the homeowner. But it’s not that easy. A corresponding procedure is complex, the protection of the dwelling is a very high good, even in the normal case (with a usual financing with SCHUFA query) the banks go this way only with great reluctance. They prefer to look for customers with sufficient creditworthiness, which can be determined using the SCHUFA information. Another fact makes the real estate loan without SCHUFA in 2015 to the amazing phenomenon: A car loan without SCHUFA is currently not available from normal banks including motorbanks. There was a car bank until 2006, with another until 2012, but then such offers were completely discontinued. Even a car can be best secured by the car letter, but those interested in SCHUFA-free financings must go here winding ways. Why is there then a real estate loan without SCHUFA? Well, few specialized financial intermediaries have tackled this issue and, in partnership with foreign banks, found constructs that enable real estate credit without SCHUFA.

Where does the money for the real estate loan without SCHUFA come from?

As with all financing without SCHUFA, foreign banks are the backers in this case as well. Isolated cases of financing by German private banks are said to have already existed, but very little is known about this. Of course, the banks have a bargaining power and could intercept the risk for the real estate loan without SCHUFA in a “soft” negative entry on a higher interest rate. Nevertheless, German financial institutions largely reject such financing.

Real estate loans: Where do applicants go?

Real estate loans: Where do applicants go?

Few financial intermediaries promote real estate loans without SCHUFA. They have excellent relations with banks in Switzerland and other European countries, sometimes even the agents themselves come from Switzerland. Those interested in such a loan must specifically contact a reputable company, the

  • the real estate loan without SCHUFA forgives without pre-cost,
  • advertises with plausible interest rates (in the low to mid single-digit percentage range) as well
  • offers a plausible procedure and comprehensible framework conditions.

The latter is of particular importance. The blanket promise that there could be a real estate loan without SCHUFA to “any” conditions at the intermediary concerned is not credible.

General conditions for real estate loans without SCHUFA

The general conditions can be described as follows after an overview on the market at the end of 2015:

  • The real estate loan without SCHUFA can be awarded in sums of between 50,000 to 300,000 euros.
  • It is eligible as a reverse mortgage for owners and residential real estate buyers.
  • It is possible to finance without equity.
  • The real estate loan without SCHUFA can be subordinated to the land register.
  • The loan amount may exceed the mortgage lending value to a certain extent (around 50,000 euros).
  • For seniors or in difficult cases, only shares of the mortgage lending value can be financed.
  • Although the interest rates are above the usual market interest rates, but barely above 10.00%.
  • Commercial real estate is generally not financed without SCHUFA.

The real estate loan without SCHUFA as reverse mortgage

The reverse mortgage is taken on a partially or fully repaid home. It is clear that in such a case the real estate loan without SCHUFA is significantly less risk for the lender. On the other hand, a foreclosure auction would still be costly and can not prevail without further notice only because of some unusual rates. To make matters worse for the lender would have the effect that the loan may be only subordinate in the land register, if the first loan on the house is not yet fully paid off. If now the borrower only does not serve the real estate loan without SCHUFA and if therefore the first-rank registered bank has no interest in a foreclosure auction, the SCHUFA-free financing bank does not get its money. It can therefore be stated that the reverse mortgage can be a complicated case. Nevertheless, real estate owners affected by a negative entry should think about this possibility. Under certain circumstances, they can take so much money with the real estate loan without SCHUFA that they can buy a car, renovate and even pay off some old debts.

Real estate loan without SCHUFA: information for interested parties

Reputable agents promise an initial notification of interested parties within 48 hours. As a lightning loan with a commitment in a few hours a real estate loan without SCHUFA is certainly not to have this matter is too complex. It should not be forgotten that the financial intermediary and its financing bank are not interested in realizing the property. You want the borrower to repay his installments on time. Therefore, their income and other obligations, as well as the nature of their employment or income generation, play a key role. These facts must be checked by a mediator before he can approve a real estate loan without SCHUFA.

For whom is the real estate loan without SCHUFA eligible?

The candidates for such a financing must bring good conditions. Although they may have a “soft” negative entry in their SCHUFA file, their income and professional status must be right. Most important is the permanent security of income, which is why pensioners are usually not excluded from the real estate loan without SCHUFA. But their financings can not last very long. Otherwise, full-time civil servants and employees have the best chance of success, followed by really good-earning, younger self-employed people with good business prospects for many years. For the unemployed, the real estate loan without SCHUFA is certainly hardly an option, although even in such cases the reverse mortgage can not be ruled out. Here it is the responsibility of the interested party, whether he gets involved in such a venture. In the worst case, he loses his house if he can no longer service the real estate loan without SCHUFA.

Real estate loan: when is not recommended?

First of all, it must be a reputable, best-known intermediary. If there is no doubt about security and integrity, it depends on the circumstances, the person of the applicant and the resulting interest, whether a real estate loan without SCHUFA is worthwhile or rather discouraged. The following scenarios speak against it:

  • The applicant is a currently well-paid self-employed person with a young business. At the same time, he carries around a negative entry in his SCHUFA file. The broker could offer him an interest rate of 8.00%, that would be 5.00% over a real estate loan with a clean SCHUFA. This self-employed should wait until his SCHUFA entry is done (maximum of three years).
  • The applicant already lives in a home and was just and surprisingly unemployed. But he had a lot of plans forged, including an annex to the house, a garage and a fancy new car ago. With the real estate loan without SCHUFA as backward mortgage could be financed, but if the candidate does not find a new job soon, he could lose everything. Here it would be rather advisable to give up.
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Online loan with instant confirmation http://www.micarmor.com/2019/01/12/online-loan-with-instant-confirmation/ http://www.micarmor.com/2019/01/12/online-loan-with-instant-confirmation/#respond Sat, 12 Jan 2019 12:38:10 +0000 http://www.micarmor.com/2019/01/12/online-loan-with-instant-confirmation/

Who does not know that suddenly something happens and money is needed. Money that is not currently on the high edge. In the course of life, it often comes differently, as you think, after the holiday is the car repair due, by moving or a death, costs arise that are simply not mastered. In such situations, a loan can be helpful. But, what if there is a negative entry in the Schufa? In these cases there is the possibility with an online loan with immediate comGeorge Knightleyment without Schufa to master the costs incurred.

What is the online loan with instant confirmation without Schufa?

What is the online loan with instant confirmation without Schufa?

Anyone who has only one entry into the Schufa will no longer get the necessary money from any bank. It is the law of the banks prohibited in the present case, even one cent to pay off as a loan. The reason for this is the special position of the Schufa The Schufa database contains economic data on the German citizens. These are provided by banks and service providers. It includes, for example, current financial obligations, such as existing loans or installment purchases. The data is also recorded for credit card accounts and checking accounts. Negative entry is when there are delays in settling invoices, loans have been made, and so on. And this is exactly what the risk is stored in the Schufa so that others can see and protect themselves from default.

In Germany, loans are not offered without Schufa, but they are arranged from abroad. As a rule, credit intermediaries need to be turned on. These can usually give an immediate promise, if the key data are known. In the case of a loan from another private person, however, there can also be talk of a schufa-free loan if the collection of the Schufa inquiry is not required here.

What must be respected?

What must be respected?

Online loans without Schufa are becoming increasingly popular. As the number of inquiries increases, so do the offers. Unfortunately, it is often seen in this sector, that dubious providers try to exploit the plight of the people. Anyone who makes a loan request, directly receives an immediate promise for the schufafreien credit, but should then pay in advance, so that further processing can be initiated. Nobody should get involved, because it is not serious to first pay and then get a benefit. Reputable credit intermediaries will also demand a commission, but only if the online loan without Schufa has also been paid.

The peculiarities of the schufafreien on-line credits with immediate promise

The peculiarities of the schufafreien on-line credits with immediate promise

With the loan without Schufa it will not be possible that the loan amount can be determined. There are only two options: € 3,500 and € 5,000. Likewise, the number of monthly installments is given. The loan is therefore not flexible, but who otherwise does not get borrowed money, who will have to go well. The amount of the loan can now be paid depends heavily on the income. The income is very important for online loans without Schufa, because it is the only security. Therefore, it usually has to be higher than when a credit is requested, where the Schufa query is made.

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Credit for used cars http://www.micarmor.com/2019/01/07/credit-for-used-cars/ http://www.micarmor.com/2019/01/07/credit-for-used-cars/#respond Mon, 07 Jan 2019 15:34:11 +0000 http://www.micarmor.com/2019/01/07/credit-for-used-cars/


Germany cheapest car loan

Germany cheapest car loan

  • Start your loan request now (there is no contract yet).
  • After checking your request, the money is already in your account after 4 days.
  • You just have to accept our offer. If not, then not. No hook, no cost.

Together with the constant increase in prices for new vehicles, prices for good used vehicles have picked up. The credit for the used car is therefore hard to avoid. The article deals with the various offers for vehicle financing.

Credit for the used car – choose the right offer

Credit for the used car - choose the right offer

The credit for the used car can come from different sources. The dealer financing lures with favorable rates for balloon loans. Depending on the age of the vehicle, however, these offers should be considered rather suspicious. Not every balloon loan guarantees follow-up financing. Without this guarantee, it is a risk to opt for just a little older vehicles. When the graduation rate is due, potential financiers are already very much aware of the age of the vehicle. If it is too old, then it can hardly serve as security for the financing. At this moment only the own creditworthiness for the credit is available. Favorable interest rates, as is customary in vehicle financing, are barely to be found.

Cheap credit for car

Car loans comparison

Loan for car


Credit for the new car 

For example, the balloon loan may still be interesting for very “young used people”, but for older vehicles a normal installment loan is better. If you are dependent on small installments, you should take full advantage of the maximum term of the loan offers. Thus, the interest rate increases somewhat. Thus, the credit for the used car can be safely repaid to the final payment in equal installments.

The provider comparison is always worthwhile

Of course, the dealers like to offer their loans for the used one at the same time. However, they can not always make the best deals on interest rates. A credit for the used car, which can be at a lower interest rate from a direct bank from the Internet. Who uses this source of funding, can save twice. To the favorable conditions of the Internet credits comes the cash payment discount at the dealer.

With a little-negotiating skills can be achieved even with “used” significant price advantages in cash. To get an overview of the possible negotiating room, there is again helpful Google. The purchase prices of the dealers can be determined so easily. The advertised price relativizes itself quickly, if the dealer notices that its counterpart really knows. Incidentally, the price information found on the internet refers to an age-appropriate condition of the vehicles. Damage to the vehicle, with which one can often live very well, have an additional price-reducing effect.


With the credit for the used car, there should not necessarily be resorted only to balloon loans with high graduation rates. Against the background that the further financing is not always guaranteed, the balloon loan quickly turns out to be a risk. An installment loan with consistent installment, which is often the better choice. The direct banks on the Internet, which almost always offer the cheapest credit for the used car and also allow to exhaust cash payment discounts.

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Personal loan for trainees http://www.micarmor.com/2018/12/22/personal-loan-for-trainees/ http://www.micarmor.com/2018/12/22/personal-loan-for-trainees/#respond Sat, 22 Dec 2018 13:05:45 +0000 http://www.micarmor.com/2018/12/22/personal-loan-for-trainees/

All credit institutions make the condition that the activity should be carried out for more than six months and the applicant may no longer be in the probationary period.
The apprentice does not fulfill this condition, which is why you often do not receive a loan commitment from the respective banks.
It lowers the chance for banks, that it comes to the payment default, by the indefinite employment.

Private lenders decide themselves

Private lenders decide themselves

The safer the job, the smaller the expectation that the loan will not be repaid due to unemployment.
Most banks do not allow loans whose duration exceeds the duration of the employment contract.

Even time guards get from some banks for the same reason no promise for a loan. For time soldiers also do not have a stable employment relationship, because the service is based on an agreed period.

Nevertheless, it depends on the duration of the defined service period, because if it exceeds the repayment period, the soldier is often promised a loan.
But a loan that exceeds the duration of the service is often denied.

The timing of the age and length of the repayment term is important for retirees, as there is a regular income, but the risk of premature retirement increases. Therefore, banks often set a maximum age for granting a loan, often at 75 years ,

If this age is exceeded, a loan application is usually rejected. However, if the maximum age is not exceeded and the loan has been approved, lenders will usually require a copy of the pension statement.

Also, a residual debt insurance is required for the death, as this will usually take over the amortization

Also, a residual debt insurance is required for the death, as this will usually take over the amortization

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Loan Changed for Cars http://www.micarmor.com/2018/12/19/loan-changed-for-cars/ http://www.micarmor.com/2018/12/19/loan-changed-for-cars/#respond Wed, 19 Dec 2018 12:36:01 +0000 http://www.micarmor.com/2018/12/19/loan-changed-for-cars/

The loan for cars can be used by all those who are adults and have a residence in Italy to buy a new car

It does not matter if it is new or used, it can still be compared with a loan.

Actually, the changed loans can be requested and used without any restrictions. This means that they are non-finalized loans, that is, those requesting credit do not necessarily have to specify to the credit institution the reason for which they need the money. As a result, the money obtained from the bank can be spent by the debtor in the way he prefers.

The loan for cars can be used by all those who are adults and have a residence in Italy to buy a new car

I had to clarify this as there is a particular difference with the classic personal loans. In fact, in these loans in most cases the car loan is finalized. What does it mean? If you read that in the commercial offer we talk about a finalized loan, it means that the money obtained must necessarily be for the good or service indicated. In the case in question then the money obtained can only be spent to buy a car. Therefore, it will not be possible to purchase other goods or services or to conserve liquidity.

As already mentioned all this does not happen that a loan is used with bills

As already mentioned all this does not happen that a loan is used with bills

But this is not the only difference between a converted loan and a personal loan. The substantial difference lies in the fact that as can be guessed from the name of the loan, the bill is used.

The bill is to replace the monthly payment. Initially, one might believe that it is the same thing because even the bill before its expiry must be paid, just as happens with the monthly payment. In reality the difference lies in the fact that the bill is an enforceable title.

This means that the creditor, thanks to the enforcement of the title, receives a particular power, namely that of being able to request foreclosure and auctioning of assets owned by the debtor in the event that the latter fails or does not want to reimburse how much. All of the assets that will be attached will then be sold through an auction. The money that will come from the sale of the debtor’s assets will be used to cover the residual debt.

The execution of the bill is very important because it allows banks to have a greater guarantee than the debtor and consequently there is the possibility of more trust because the bank knows that in case the debtor does not pay the amount due will be able to rival his properties.

And this is precisely the peculiarity of the loan for cars. If the debtor fails to make payments on a regular basis, the creditor bank may request the seizure of its assets, including the new car.

This system also allows bad payers and protestors to obtain funding. These categories of people generally have difficulty in obtaining one while everything is much simpler if the converted credit is used. This happens precisely because lenders are aware of the fact that bad payers and protestors have already had problems in the past with other debts where they may have not been repaid or have been repaid late.

The subjects reported to the Crif as bad payers and the protestors therefore have a sort of “financial record” that can be consulted by all the financial companies, banks and lenders.

Therefore, in order to obtain a loan for cars, it will be sufficient to hold some property. Their value must certainly be greater than the amount requested, since in the event of a seizure from their sale, a sum suitable to cover any residual debt must be recovered.

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Borrowing money from private individuals http://www.micarmor.com/2018/12/10/borrowing-money-from-private-individuals/ http://www.micarmor.com/2018/12/10/borrowing-money-from-private-individuals/#respond Mon, 10 Dec 2018 12:44:04 +0000 http://www.micarmor.com/2018/12/10/borrowing-money-from-private-individuals/


House banks are bound by regulations that often make a loan impossible.

A personal loan helps!

A personal loan helps!

Unlike a traditional bank, like its house bank, private investors are much more flexible.

A loan helps with the necessary financing from a major purchase and is the only way for many people to buy certain expensive items such as vehicles or real estate.

In addition to the normal lending by a credit company in the present time especially the private loan enjoys a very large popularity and offers in contrast to a normal loan some advantages for both sides. For example, a private loan between two natural persons is considerably cheaper and requires much less effort than a normal loan from a bank or a corporation.

In the case of a personal loan, a certain amount is lent from a private investor to a private borrower for a certain period of time.

In the case of a personal loan, a certain amount is lent from a private investor to a private borrower for a certain period of time.

Of course, there are also interest rates on this type of funding, but in most cases these are much lower than normal funding. Furthermore, a personal loan requires much less effort than a loan from a company. The fastest and most convenient way to get such a loan is the Internet.

There are various platforms on the Internet that offer the lender and borrower all the necessary conditions for successful and secure lending. On both platforms, both sides can submit offers and requests. Potential borrowers can adjust their preferred loan with the appropriate modalities and wait for a lender to lend on these terms. The most important factors in such a loan are of course the amount of interest and the duration of the loan, in addition to the actual loan amount.

Before prospective customers can place a loan request on such a platform on the Internet, they are first checked for security with regard to their creditworthiness and to a negative entry in the Schufa. Only when these exams have been successfully completed can a credit request be published. The pages on the Internet only provide the appropriate platform and ensure the creditworthiness of their participants, the subsequent credit history after the award is completely handled by the two private persons.

A personal loan between two natural persons in a height of 250 to 25,000 euros usually easily possible.

In addition to the lower interest rates, the borrower also benefits from being able to pay the amount due with only one large payment without having to pay a prepayment penalty. In addition to the numerous advantages for the borrowers, there are of course a few advantages for the lender with a personal loan. These can earn much more money with their existing money in this way than with a normal investment. Interest credits of up to 14 percent per annum are quite possible with a personal loan.

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