If you want to reschedule your debts, you must submit a request for a debt rescheduling loan to and be approved by a provider of your choice. In the case of a rescheduling, one or more loans are virtually replaced by another. New car loan; Used car loan; Renovation loan;
Debt restructuring credit; Education loan; Moving credit; Holiday credit. Here you will find the right conditions to repay your loans.
Private over-indebtedness: how should one proceed
For 2017, the number of people with private over-indebtedness is estimated at 6.9 million. It is estimated that around 6.9 million people will be covered by private over-indebtedness in 2017. Debt arises whenever the payment obligations due can not be met in the foreseeable future and neither assets nor credit lines are provided to cover the cost of living.
In the case of over-indebtedness, therefore, it is not the amount of the debt that counts, but whether one is in the position to bear the costs incurred. The main causes of private over-indebtedness are: In many cases, however, the cause of the over-indebtedness lies with the persons concerned. To avoid the risk of private over-indebtedness, a fundamental change in financial behavior is required.
Those who continue as before are threatened by personal bankruptcy.
The only way is often the Privatinsolvenzverfahren. If private over-indebtedness has already occurred, counseling centers such as Caritas or others should be consulted. Many people with private over-indebtedness have lost the overview of their debt. The results of this list show the total debt.
In case of a return an immediate action is required. The measures to be taken for the respective liabilities are listed below. It should be noted that there are still other debts and a comprehensive solution is discussed. “For which all intentions are good, if there is no will,” this leitmotif is also valid for the abolition of private over-indebtedness.
Therefore, no new liabilities may be entered into. Numerous liabilities result from spending on luxury goods. The credit card company charges a high interest on the bond. Such funding purchases should be avoided. If it has not come to a private over-indebtedness, the rescheduling planning should be the most sensible way to restore the liquidity situation. Often, there is no actual coverage, but the monthly rates are too high.
These microloans can be combined in a rescheduling. Other bank liabilities and liabilities may also be combined into a debt rescheduling loan. For a debt rescheduling loan, it is important that if the rescheduling loan is granted by the principal bank, the planned claims must be repaid. If rescheduling is not possible, the only option is to create a debt repayment plan.
Once all claims are listed, the repayment plan should be created. So the first demands are paid off very quickly. The actual repayment start will be after full repayment of the senior loan. This can take over the actual renovation work. The measures mentioned above must be implemented in order to suppress household debt. In addition to the change in financing behavior that has taken place so far, replanning is the most significant contribution to preventing overlapping.