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Credit despite minus on the account.


Many people wonder whether a loan is possible despite a minus on the account. When answering this question, different fractions must be taken into account so that no clear answer can be given.

Credit conditions

Credit conditions

A loan from a German bank or savings bank can only be granted if there is a regular income and if the private credit checker information does not show any negative entries. If these conditions are met, a loan should be possible in principle despite a minus on the account. The chances are particularly good if all or part of the loan is to be used to make up for the minus in the account.

If the income is high enough, the customer can contact his house bank and ask there to set up a new or extend an existing overdraft facility. If you do not want this and prefer an installment loan instead, you should inquire about the maximum loan amount and what the interest and monthly loan installments are. The term of the loan also plays an important role.

Application, approval and repayment

Application, approval and repayment

The application process for a loan despite minus on the account does not differ significantly from the application process, which is also common for another bank loan. If the bank has a branch, the loan application can be submitted personally. Otherwise, the application via the Internet would be the appropriate way. The creditworthiness is checked on the basis of various documents. Whether the minus on the account plays a decisive role depends on what the other credit requirements are.

A secure income, a permanent employment contract and a positive private credit checker information should be given in any case. A specialty is the installment loan, which is to be used to compensate for the negative balance in the account. As a rule, it has the consequence that an overdraft facility – if it exists – is canceled and that the account may not be overdrawn until the loan has been repaid in full despite minus on the account.

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Debt Register: Therefore, you should check the debt register


When the banks are to grant new loans, it is now obliged to check the information in the debt register. Earlier this year came new rules, which say that you as a customer will not be granted a loan if you have more than five times the annual income in total debt. The Debt Register helps banks to follow up on this rule, in addition to helping banks to quality assure the information provided in the loan application. But what does this mean for you as a customer?


1. You may be denied your loan application when you apply for new credit

loan application when you apply for new credit

If you have more than five times the annual income in debt, you will not be granted a new loan or credit card. The register ensures that banks do not lend money to customers who are not eligible for more loans. This is also an added security for you as a customer, as this will help you to service the debt you have. The new register, on the other hand, does not show mortgages or other pledged debt.


2. You should delete open credits that are not in use

If you have an unused credit card lying around, you should delete it now. The credit limit on the card is considered as part of your total debt, which creates problems for you if you later wish to apply for a new loan or credit card. To terminate a credit or credit card, you must contact the bank through which you received the credit to cancel it. You can find an overview of all open credits in the debt register.


3. You can get a better overview of your loans.

debt loans

The Debt Register helps you get an overview of all the debts you have, so it can be a great opportunity to clean up the economy. If you have many small loans, you should apply to refinance everything in one loan. You save money on refinancing, while getting fewer bills to keep track of. It is your total debt that has something to say when applying for a loan, but it looks more neat if you have a larger loan with a bank, than many small loans.


4. The register is updated daily

The debt register is constantly updated, so if you have canceled a credit this will be visible in the debt register shortly. If you are in the process of applying for a new loan or credit card, this will not slow down the process very much – if you immediately delete debts and credits that are not in use.

There are three different debt registers in Norway today, Norwegian debt information and Exporian Financing. Your debt information will be registered on all sides. In order to terminate a customer relationship, it is important that you contact the financial institution you are the customer in to terminate. It is never enough to cut the card in half.

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What is a black hole in debt?


You may have seen the photo of the black hole rolling over the internet. But come here, do you happen to know what a black hole is? As a very important object of science study, black holes are surrounded by a mysterious air, and when we think about it, imagination goes a long way. And have you ever fallen into a black hole in debt? Yeah, this is more common in our day to day, but as strong as it is and pulls you in, don’t worry, we help you out!

On Wednesday, 04/10, a black hole was photographed for the first time. The team consisted of 200 researchers from around the world, led by Amanda Claw, an American scientist. After years of work, they were able to record the image of the black hole that is 3 million times larger than Earth. It is also important to emphasize that such an achievement has empirically provided by Albert Einstein’s Theory of Relativity, according to which time and space are relative, as well as the mass of a body and its energy are related.

What is a black hole in debt?


But after all, how is a black hole made up? Well, it is the result of a large amount of mass concentrated in a small space. Moreover, because of its extremely strong gravitational field, everything that comes close to it is attracted, including light. Once inside, the light fades, which explains the dark center. And where does this light come from? According to scientists, it comes from an overheated gas that falls into the hole.

Did you know that there is a limit point from which nothing comes out of the black hole of debt? And with debt is no different, is not it ?! We are sinking to the limit and we no longer know how to get out of that situation. But rest assured, that’s where FindmeCredit helps you. By registering on our site, you can receive up to 10 pre-approvals, which will get you out of this black hole debt like a rescue rocket. Joking aside, getting a loan can be a great option for those who need to rebuild their financial lives, renovate their homes, travel with their families or propel their businesses into space!

How to get out of the black hole of debt?


Like Amanda Claw’s team, you need to do a whole planning and study of your situation in order to know the possible options for getting out of the black hole of debt. To do this, start by writing all your inputs and outputs somewhere, be it a notebook or an Excel table. This will make it easier to see where your money is going, as well as where you can insure and save. It goes that every two saved dollars your bank account inflates, as the saying goes: “from grain to grain the chicken fills the talk”!

If you are in debt and wonder why the hell you would borrow even more, let me answer. Sometimes it pays to take an amount that can be repaid more often and at lower interest rates to settle an already acquired debt. Credit card or overdraft fees, for example, are abusive, and it’s not worth spending your hard-earned money on it. So if you plan, make a simulation here on our website and leave the worries behind! No more insomnia and get out of the black hole of debt.

FindmeCredit helps you!

We at FindmeCredit will help you if you are in a debt black hole. We work with three types of credit, they are:

1- Personal loan. As the most famous line of credit in Brazil, the personal loan does not require any collateral and has its rates starting at 2.0% per month. The whole process is fast, free and online here at FindmeCredit. When the loan is approved, the money goes into account within one business day.

2- Refinancing of vehicles. When you refinance your vehicles, you leave your car as a bank or financial guarantee. This gives you confidence in the institution in question and achieves lower interest rates and more installments. At FindmeCredit, you find rates starting at 1.69% per month.

3- Refinancing of property. This is the ideal type of loan for those who need large amounts of money to invest in their own business, for example. Here at FindmeCredit, rates are from 1.09% per month, and the loan can be up to 60% of the value of your property. In addition, the debt can be repaid in up to 20 years!

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