What is a BKR registration?
In addition to viewing income and expenses, a number of other issues are also being considered. Your marital status, your payment history of the credits that you have at the time of the transfer and whether you have children. These matters are viewed at the Credit Registration Office (BKR). The BKR registers loans from people who have taken out a loan, for example a personal loan or a repayment arrangement with a mail order company. Debts such as rental debts, tax debts or unpaid bills with an energy company are not kept by the BKR.
Opportunities for acceptance
If you only want to reschedule an existing loan without borrowing an additional amount, there is a high chance that the rescheduling will be accepted. You are only likely to have a reasonable chance of succeeding just to reschedule a loan, although it is of course important that you do not have a compelling history of defaults. To deal with one or more loans in a sensible way, it is advisable to investigate whether relocation is a good option.
As indicated, there are various lenders where it is possible to have your loan rescheduled, and there are also banks that offer the possibility to take out a loan. So there are very diverse choices when it comes to rescheduling a loan, which provider can thereby give you the most benefit depends on a large part of your motivation and background of reshuffling. In summary, it is advisable in the case of refinancing to find out which way is best for you to take out a loan. Do you pay a fine at a significantly low interest rate or do you ultimately choose to stay with your current loan provider? Put all the data in a row, compare and then make the choice.
Credit Registration Office
In addition to income and expenses, a number of other data are also examined. This way the lender finds your marital status, your payment history and the fact whether you have children or not. These matters are checked at the Credit Registration Office (BKR). This body is responsible for registering loans that people have taken out. This includes personal loans or repayment schemes at mail order companies. The BKR does not keep debts of a different nature, such as rental debts, tax debts and unpaid bills with an energy company.
If you plan to take out an existing loan without borrowing an additional amount, there is a significant chance that the takeover will be accepted. If there is only an overlap, the chances of success are quite high, of course it is important that there has been no adverse history to defaults. Apart from many other reasons, it is therefore advisable to use one or more loans in a sensible way.
Multiple lenders therefore offer the option of having a loan rescheduled, and there are also a number of banks that offer you the opportunity to reschedule a loan. The choices for refinancing a loan are therefore extremely different. The reasons for and reasons for transferring your loan determine the correct choice of a new provider. In summary, it can be said that in the first place it is highly advisable to find out how you can best refinance a loan. Does paying a fine weigh at a lower interest rate or is it still cheaper to stay with the current provider of your loan? Be sensible and make sure you have all the information clear before you make a final choice.