Credit with 2 Borrowers; Providers That Really Help

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As lending to banks is always an increased risk, the collateral that a borrower can provide is extremely important. These securities include, for example, real estate, valuables, savings or guarantors. For married couples or partnerships, the partner can also be included in the loan agreement. A loan with 2 borrowers can improve the credit rating at the same time.

The house bank offers a loan with 2 borrowers

The house bank offers a loan with 2 borrowers

If financing is needed because the savings are insufficient, consumers usually resort to a loan. In many cases, a loan is first requested from the house bank. As an account-holding institute, the house bank has a precise overview of the financial situation of its clients and can therefore quickly decide whether and in what amount a loan is eligible. If bank customers are married or live in a registered partnership, the house bank offers a loan with 2 borrowers. This reduces the risk to the bank and improves the chances of getting a loan with a higher payout. The second borrower usually improves the credit rating as well. With this improved credit rating, the applicant can agree on better credit terms.

We saw this here and thought of you:

We saw this here and thought of you:

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Credit for 2 persons

 

Since nowadays all banks are in direct competition, only a loan offer should be obtained from the house bank. This offer can be compared with loans from various branch banks or even with financial service providers on the Internet. If the house bank offers a favorable loan offer, an appointment for the credit agreement can be arranged. However, before it comes to a lending business between the house bank and the bank customers, a Schufa information is obtained. The scoring of the credit agency decides on the creditworthiness of the applicant. If a loan with 2 borrowers is requested, this information will be obtained from both applicants. In order for a loan transaction to occur both information must be positive. If the scoring is ok, the credit agreement can be set up.

To sign the credit agreement, the applicant and the co-applicant must appear at the bank branch by an agreed date. The responsible case officer discusses the contract contents again at this date. Both borrowers are also informed that they are liable in the event of a loan default. This liability remains even if the marriage is divorced or the registered partnership was dissolved. Since the house bank usually has all the important documents, it is sufficient if both borrowers present valid identification documents for signing the contract.

For credit agencies, a second borrower is also welcome

For credit agencies, a second borrower is also welcome

If you do not get credit from your house bank or are looking for an alternative, you can turn to a credit intermediary. Looking for a reputable company is enough to look at the internet. Among the reputable credit agencies include Creditolo, Maxda or Bon credit. These companies have been active in the credit market for many decades and have contacts with various banks both at home and abroad. Even with a loan brokerage, the creditworthiness of a loan with two borrowers is improved and better credit terms can be agreed. In addition, the chances of a positive credit decision are increased.

A loan with 2 borrowers can be applied for in a credit intermediation online. Home visits, as they used to be in credit agencies, are rare today. When entering the data, the applicant will be asked to tick the box for a second applicant. If a schufa-free loan is requested up to 3,500 euros, the bank waives Schufa information. For a loan with a higher payout, both applicants will obtain a Schufa statement. The intermediaries’ loan offers must be compared in any case. The banks that cooperate with a credit intermediary often charge interest rates above the market rate. Also, the commission for the credit intermediation must be considered when comparing the loans.

For a loan from a direct bank, a second applicant is rather unusual

With good credit requirements, a loan seeker can turn to a direct bank on the Internet. As the name direct bank says, the financial products are offered directly, so only over the Internet. A detailed loan advice is not possible with these financial service providers. The loans of direct banks can be found most easily via a comparison portal. These comparison pages are equipped with credit calculators. For a search for suitable loan offers, the desired loan amount, the term and the purpose are entered into the calculator. After just a few moments, a list of direct banks that meet the criteria of the entries appears.

If a borrower has opted for a direct bank, he will be redirected to the website of the bank after a mouse click. Here you can now enter the personal data for a Schufa information. Whether the credit decision is positive or negative, the borrower is notified by e-mail. In the case of a positive decision, all credit-worthy data is requested. The creditworthiness can not be improved for direct banks with an additional applicant. A loan with 2 borrowers is therefore usually not offered by direct banks. Important documents, such as salary statements, can be sent as a data attachment today. The legitimation is usually done by post-ident procedure. For some time now a video-ident is possible with many direct banks.

The chances of getting a loan are increased with a second applicant

The chances of getting a loan are increased with a second applicant

A loan with 2 borrowers is available from many banks, savings banks and financial service providers. Under favorable conditions, the second borrower improves the credit rating. This increases the likelihood of a positive credit decision and better credit terms can be agreed. With a detailed credit comparison can find the cheap deals. The second applicant must always be aware that he is liable until full payment of the loan.

Make a non-binding loan request now

Make a non-binding loan request now

Make a non-binding loan request now – with instant confirmation

Make a non-binding loan request now - with instant confirmation

 

  • 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.