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Credit without credit bureau from Liechtenstein.

Would you like to take out a loan without Credit Bureau from Liechtenstein? You are on the trail of the current Swiss loan without Credit Bureau for Germans.

We offer you the information that could be crucial for your lending. Find out details about the current offers and what requirements you have to meet in order to be able to grant loans.

Loan without Credit Bureau from Liechtenstein – serious and Credit Bureau-free

Loan without Credit Bureau from Liechtenstein - serious and Credit Bureau-free

Credit without Credit Bureau from Liechtenstein is the core offer of Cream Bank  to borrowers from Germany. The bank, founded in 2010, holds a monopoly with its loan offering. Foreign credit to Germans may not be granted Credit Bureau-free to every foreign bank. As far as can be seen, Cream Bank is the only real foreign credit bank that fulfills the mandatory requirements.

It succeeds previous loan offers without Credit Bureau from Switzerland. In contrast to the corporate policies of other banks in the past, Cream Bank relied on banners for its loan offer. Through its open information policy, it would like to take credit-free loans from the “dirty corner” of earlier times. It was recognized that in the past, missing information contributed to customers being manipulated by free riders.

Loans without Credit Bureau from Liechtenstein do not correspond to the medially drawn picture of Credit Bureau-free loans. Without Credit Bureau getting a financing opportunity is a serious offer to borrowers who can actually afford their loan. In contrast to similar-sounding loan offers from Germany, Credit Bureau is excluded from the entire loan process.

Foreign credit without Credit Bureau – the offer

Foreign credit without Credit Bureau - the offer

The Best Bank offers loans without Credit Bureau optionally in the amount of USD 3,500, USD 5,000 or USD 7,500 loan amount. Approved credit must always be repaid in 40 equal monthly installments. The repayment begins at different times. This explains why some advertisements have a term of up to 42 months. The credit request is checked without viewing Credit Bureau’s data; approved credit is not automatically reported to Credit Bureau.

The target group of the loan offer are exclusively employees subject to social security between the ages of at least 18 and 61 years. (The age limit is the 62nd birthday). An applicant’s employment contract is concluded for an unlimited period and is not terminated. Applicants are healthy and fully able to work. (Max. 10 sick days). The employer does not have any assignment of income, the wages are not attached.

The applicant is not in current bankruptcy. There are no entries in the public debt register (eV, arrest warrant). A prospect for a loan without Credit Bureau from Liechtenstein can only successfully apply to those interested in credit who can prove their personal creditworthiness on their own. The amount of the minimum income to be proven depends on the loan amount and the maintenance obligations. Guarantors are not permitted.

Lending Requirements – Loan Models

Lending Requirements - Loan Models

Cream Bank offers three credit models, divided into loan amounts, as an optional Credit Bureau-free foreign loan for Germans. Depending on the loan amount selected, different requirements have to be met. For 3,500 USD in credit, the current employment relationship would have had to exist continuously for 12 months. It would be 36 months for 5,000 USD and 48 months for 7,500 USD. – Valid for initial applications, other rules apply to credit increases.

The minimum income for 3,500 USD is staggered over the number of dependents. Singles without maintenance obligations would have to prove a net income of 1,150 USD. With a dependent person 1,600 USD net, with two 1,850 USD net, with three 2,150 USD net.

The minimum income for 5,000 USD of Credit Bureau-free credit is also staggered. Singles without maintenance obligations would have to prove 1,600 USD net income. With a dependent person 1,900 USD net, with two 2,250 USD net, with three 2,600 USD net per month.

For a loan of 7,500 USD, the required net income increases again. Singles without maintenance obligations would have to prove 1,800 USD net income. With a dependent person 2,100 USD net, with two 2,500 USD net, with three 2,900 USD net income per month.

Apply for a loan – how it works

Apply for a loan - how it works

Loans without Credit Bureau from Liechtenstein can be requested directly from the credit bank, but also via credit intermediaries. The application process should not have any financial implications for the borrower since the credit bank pays the intermediary directly. It is therefore not absolutely necessary to conclude a credit brokerage contract in accordance with §655. If the credit application is named, the intermediary automatically receives his commission charged to the bank.

From the bank’s point of view, there is no commission obligation for applications made directly without an intermediary. The borrower’s decision therefore remains cost-neutral unless he agrees an additional payment with his credit intermediary. All documents required for the loan application are available for download online from the bank’s homepage.

Loan without Credit Bureau from Liechtenstein – what can prospective customers expect?

Loan without Credit Bureau from Liechtenstein - what can prospective customers expect?

Every credit request is checked in the individual case check. Loan without Credit Bureau from Liechtenstein is not a blitz loan, but the team usually decides quickly. Borrowers who focus on the payment date can expect to receive a loan payment within approximately one week after the legally binding application. (Experience value). Sometimes it’s a bit brisk.

The speed of decision depends on whether information providers, such as the responsible local court, respond quickly. The bank’s hotline is available for all conceivable questions in connection with a loan without Credit Bureau from Liechtenstein. The team is extremely friendly and competent.

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