Taking out a loan with BKR testing is not difficult. In fact, almost all loans that you take out in the normal forms of credit such as a revolving credit or a personal loan is a loan with BKR review. This is because providers of these forms of credit are required to do a review at the BKR. If you want to take out a loan there, this will always be a loan with a BKR assessment. Your loan will also be registered with the BKR.
A loan with BKR review and negative registration?
If you have already taken out a loan in the past, and because of circumstances you were unable to pay for a certain period (at least 2 months), then you are looking for a loan that does not have a BKR assessment. You can get a loan without a BKR test in a number of places.
- Loan with BKR review as a mini loan
- Borrow money from a private individual
- Borrow money from the Crediterbank
You can borrow money from two of the three (the top two) without a BKR review taking place here. These parties cannot do BKR testing.
You do take out a loan with a BKR assessment with the third party. The difference, however, is that a loan with BKR assessment and a negative registration with the Crediterbank is absolutely no problem. H
The credit bank is namely a bank that works primarily on the basis of social credit. This is mainly apparent from their eligibility criteria. For example, if you have an income of more than 130% of the minimum wage, you cannot request a loan from the Crediterbank.
Fabels about a loan with BKR
There is much talk about the BKR and in particular the negative registrations at the BKR. We have heard various practical cases. For example, there are various authorities that threaten to have a negative BKR registration, but are not affiliated with the BKR at all.
You can only be registered by an institution that is affiliated with the BKR
An institution can only join the BKR if it actually provides loans. Even credit intermediaries cannot sign up and cannot give you a negative registration. In addition, this also means that you cannot get a negative BKR registration from Bailiffs, Collection agencies, construction companies, your health insurance, etc.
You can easily check whether an institution is affiliated with the BKR by consulting the BKR website.
Facts about a loan with BKR
In addition to the fables, there are of course also facts that are worth mentioning when it comes to the loan with BKR. For example, you can take out a loan with BKR. A fact is, for example, that a loan with a BKR assessment is cheaper than a loan without a BKR assessment (with the exception of a private loan). If you want to take out a loan with BKR assessment and you already have current loans that you paid well, the bank rewards you with a lower interest rate. The bank is then more confident that you will pay the new loan well again. A loan with a good course therefore ensures a higher credit rating.
It is therefore usually cheap to borrow money with a loan with BKR review.
In addition, a loan with BKR assessment is easier to obtain, the offer is larger and you can go to all banks and credit intermediaries for a loan with BKR assessment.
Cheapest loan with BKR review
Finally, we want to give you a tip for the cheapest loan with BKR review. This is not at your own bank, where you have been a customer for years. For the cheapest loan with BKR review you are the most advantageous with the credit intermediaries. These are parties that only mediate in loans. Here you can already borrow money at an interest from 4.5%. Where this often starts at 6.5% at your own bank.