No credit rating / creditworthiness because of gambling?!
26th Jan. 2018, at 11:26 pm CET#1
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Hello,
i will try to be brief. I am a bachelor, live with my parents and earn 3100€ net monthly,sometimes even a little more.
Have a fixed contract and I would describe my job as secure.
Like probably everyone here in the forum I am a gambler. Sometimes I don't gamble at all for 6 months, sometimes I gamble away several thousand euros in 2 months.
I gamble only online, so everything is visible in my account turnover.
So also in the last months...now I would like to take out a loan in the amount of 40,000€. I would like to buy a car, new furniture as well as a kitchen. I have no debts, my account is in plus.
Nevertheless, I am afraid that there could be problems because of the online payments.
Who would lend money to someone who just gambles away 5000€ in a week?!
Could this be a problem? Or has anyone already had experience with it?
Greeting
This post has been translated automatically
Anonym
Former Member
No credit rating / creditworthiness because of gambling?!
27th Jan. 2018, at 12:04 am CET#2
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Hey,
depends on the banks, if it is your house bank, most will not want to look at account statements ... (Some house banks do that anyway) with most other banks they want partly several weeks of account statements ... if you get over the Internet nen loan just had to look before what the banks require from you ... that should be obvious before you start a request...you can be sure in any case if they look at your bank statements they will also ask... the banks people are unfortunately not stupid... and if you pay more than a thousand euros eg with "Aydent" something... then most know where the money goes... or they are googling... So in general this is unfortunately always difficult to say .But ansich it should be if you have no negative Schufa no problem to get a loan ...
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Anonym
Former Member
No credit rating / creditworthiness because of gambling?!
27th Jan. 2018, at 12:08 am CET#3
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Moin first
I can only tell you wait it out. It brings you nothing here to get opinions, because each bank and possibly different bank consultants act differently. It could now, for example, 100 people write in here that you get safe and it is rejected or all say you do not get it and your bank still says yes
My ex, for example, has also played and had many debits on the account. In addition, something negative in the Schufa and still get a loan at her bank
Others have a tiny little popel entry in Schufa or a debit that gives a consultant to think and then do not get 2 thousand although they earn 1500 net
I advise you simply, do not make yourself a head. No matter what people here tell you, your bank or the consultant decides in the end
LG
This post has been translated automatically
c****7
Forum posts:149Member has been banned
No credit rating / creditworthiness because of gambling?!
27th Jan. 2018, at 12:47 am CET#4
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Casino turnover is only a problem if you are unable to meet other obligations, and only with the house bank, because they know your turnover.
The best thing is to get a free self-disclosure from Schufa. Then you know your scores and can Poker for the conditions of the loan.
But also ask at other banks, the branch banks often do not have the best conditions.
By the way, it is better to have a second account and a second credit card for gambling. Is simply more discreet....just a Tip from me. It's none of the house bank's business.
No credit rating / creditworthiness because of gambling?!
27th Jan. 2018, at 02:17 am CET#5
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Hello, I have been a silent reader for some time and have now decided to participate here in the forum.
Basically, only certain parameters are asked for credit inquiries that you make online.
The following are the most important ones, fixed, i.e. no temporary employment contract, main residence FRG, for non-EU citizens unlimited residence permit.
With these parameters, you will also be "checked" for living conditions, i.e. renting, owning, or, as in your case, living with your parents, as well as your personal situation, e.g. married, single, children, no children.
Your average earnings will be asked and also how long you have been employed by your current employer.
Furthermore, you will be asked about existing liabilities.
In the meantime, there is only a PC that calculates the default probability of the desired loan on the basis of this data.
In your case is a purchase credit.
If you can reach anyone by phone during this online inquiry, you are lucky.
There is the one or other case where really still a real person looks over the request, rather rare, but then these requests are deferred for the time being. Of course, the Schufa is also an important criterion, but this inquiry is both at the "normal" bank, as well as a pure online history, a time expenditure of maximum 10 minutes.
When we have credit inquiries, the decision is really only a matter of minutes.
No bank should ask you for bank statements, why should they? If the parameters are right, you can take approximately as a limit 4000 euros, everything below that, they usually want, nothing(so apart from of course Ausweißdokumenten) over 4000 euros are usually enough, the current statements of the last three months.
I hope I could help you a little bit with this.
This post has been translated automatically
Anonym
Former Member
No credit rating / creditworthiness because of gambling?!
27th Jan. 2018, at 08:57 am CET#6
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I was actually once asked about the questionable turnover and I said that I sometimes more sometimes less online Poker play when I have the money to do so and so everything was also clarified and everything has worked as desired
Why should I make up something ok was not poker but slots but poker is a bit more common I think
No credit rating / creditworthiness because of gambling?!
27th Jan. 2018, at 12:27 pm CET#7
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Saarlat wrote on 01/26/2018 at 23:26: Hello,
i will try to be brief. I am a bachelor, live with my parents and earn 3100€ net monthly,sometimes even a little more.
Have a fixed contract and I would describe my job as secure.
Like probably everyone here in the forum I am a gambler. Sometimes I don't gamble at all for 6 months, sometimes I gamble away several thousand euros in 2 months.
I gamble only online, so everything is visible in my account turnover.
So also in the last months...now I would like to take out a loan in the amount of 40,000€. I would like to buy a car, new furniture as well as a kitchen. I have no debts, my account is in the plus.
Nevertheless, I am afraid that there could be problems because of the online payments.
Who would lend money to someone who just gambles away 5000€ in a week?!
Could this be a problem? Or has anyone already had experience with it?
Greetings
even if you don't want to hear it, the best is still not to take out a loan, to think a bit more foresighted, to gamble less, to save a bit and never be too sure that tomorrow everything with job & co will still be in order
This post has been translated automatically
s****e
Forum posts:1.004Member has been banned
No credit rating / creditworthiness because of gambling?!
27th Jan. 2018, at 07:07 pm CET#8
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Ok, your story seems a bit strange to me. If you earn over 3000 euros, and still live at home, you would not really need a loan
no credit, even if you gamble away a few thousand every few months. Very strange.
Somewhere there is a financial hole, or you have not quite told the truth.
If your story is true, you only need 3 months not to gamble, then nothing is visible in the account statements
Nothing evident in the account statements. Normally banks require 1 or maximum 3 months
retroactively the account statements. So simply do not gamble for the time, and there are no more traitorous
Traces more to see.
Should you have credit entries, chargebacks or other, as well as too many financial
financial obligations, you will not get a loan. Otherwise it should
it should not be a problem.
Apart from that, 20,000€ is easily enough for your purchases.
The bank will also ask more questions about this.
P.S. 5000€ in one week gamble and then 40.000€ credit want to have is also cool.
Sounds more like Gambling addiction!
No credit rating / creditworthiness because of gambling?!
29th Jan. 2018, at 06:59 pm CET#9
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Thank you for the answers. Since I now know more detailed I answer now only.
So. First of all to @Stkrie...
There is no "financial hole". I don't want to deny Gambling addiction as such, but that's not quite right. For example, I have no problem not to gamble for 6 months. However, if I gamble, then really. It is simply not enough for me to gamble away 100€. According to the doctor, you are also an alcoholic if you drink a beer a day...I think you understand what I mean.
Now to the actual topic.
I had made an appointment and wanted a personal loan in the amount of 40.000€
The consultant had the sales of the last months in front of him, was already informed and also knew my fixed costs. After about an hour everything was clarified and the application was approved. One day later, I then received a call that it would not be possible so easily. I would have to bring invoices as proof. That was too stupid for me, so I declined.
Now I did some research. Normally, this is only required for loans for renovation, etc.. However, I have applied for a personal loan. As the name suggests, you can do in principle what you want!
As just mentioned, nothing is made up here. Why should I lie? I need your help!?
In summary, it has come so, as I feared it. A credit is not so easily in it because of the Zockerei.
But why? I have no debts, have always paid on time etc.. There is absolutely nothing against it in my opinion nsch. Even with the monthly repayment I would still have 1500€ over! I am really quite perplexed. What should I do now? To another bank possibly? But the pick up but surely also the sales of the house bank or?
I can not understand it in any way:(
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Anonym
Former Member
No credit rating / creditworthiness because of gambling?!
29th Jan. 2018, at 07:07 pm CET#10
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Nobody has liked this post so far
If that were the case, no bank would have any credit rating, they gamble with money every day
I also run everything through my normal house bank, gabs never anything in queries or problems.
No credit rating / creditworthiness because of gambling?!
Nobody has liked this post so far
i will try to be brief. I am a bachelor, live with my parents and earn 3100€ net monthly,sometimes even a little more.
Have a fixed contract and I would describe my job as secure.
Like probably everyone here in the forum I am a gambler. Sometimes I don't gamble at all for 6 months, sometimes I gamble away several thousand euros in 2 months.
I gamble only online, so everything is visible in my account turnover.
So also in the last months...now I would like to take out a loan in the amount of 40,000€. I would like to buy a car, new furniture as well as a kitchen. I have no debts, my account is in plus.
Nevertheless, I am afraid that there could be problems because of the online payments.
Who would lend money to someone who just gambles away 5000€ in a week?!
Could this be a problem? Or has anyone already had experience with it?
Greeting
This post has been translated automatically
No credit rating / creditworthiness because of gambling?!
Nobody has liked this post so far
depends on the banks, if it is your house bank, most will not want to look at account statements ... (Some house banks do that anyway) with most other banks they want partly several weeks of account statements ... if you get over the Internet nen loan just had to look before what the banks require from you ... that should be obvious before you start a request...you can be sure in any case if they look at your bank statements they will also ask... the banks people are unfortunately not stupid... and if you pay more than a thousand euros eg with "Aydent" something... then most know where the money goes... or they are googling... So in general this is unfortunately always difficult to say .But ansich it should be if you have no negative Schufa no problem to get a loan ...
This post has been translated automatically
No credit rating / creditworthiness because of gambling?!
Nobody has liked this post so far
I can only tell you wait it out. It brings you nothing here to get opinions, because each bank and possibly different bank consultants act differently. It could now, for example, 100 people write in here that you get safe and it is rejected or all say you do not get it and your bank still says yes
My ex, for example, has also played and had many debits on the account. In addition, something negative in the Schufa and still get a loan at her bank
Others have a tiny little popel entry in Schufa or a debit that gives a consultant to think and then do not get 2 thousand although they earn 1500 net
I advise you simply, do not make yourself a head. No matter what people here tell you, your bank or the consultant decides in the end
LG
This post has been translated automatically
No credit rating / creditworthiness because of gambling?!
Nobody has liked this post so far
The best thing is to get a free self-disclosure from Schufa. Then you know your scores and can Poker for the conditions of the loan.
But also ask at other banks, the branch banks often do not have the best conditions.
By the way, it is better to have a second account and a second credit card for gambling. Is simply more discreet....just a Tip from me. It's none of the house bank's business.
This post has been translated automatically
No credit rating / creditworthiness because of gambling?!
Nobody has liked this post so far
Basically, only certain parameters are asked for credit inquiries that you make online.
The following are the most important ones, fixed, i.e. no temporary employment contract, main residence FRG, for non-EU citizens unlimited residence permit.
With these parameters, you will also be "checked" for living conditions, i.e. renting, owning, or, as in your case, living with your parents, as well as your personal situation, e.g. married, single, children, no children.
Your average earnings will be asked and also how long you have been employed by your current employer.
Furthermore, you will be asked about existing liabilities.
In the meantime, there is only a PC that calculates the default probability of the desired loan on the basis of this data.
In your case is a purchase credit.
If you can reach anyone by phone during this online inquiry, you are lucky.
There is the one or other case where really still a real person looks over the request, rather rare, but then these requests are deferred for the time being. Of course, the Schufa is also an important criterion, but this inquiry is both at the "normal" bank, as well as a pure online history, a time expenditure of maximum 10 minutes.
When we have credit inquiries, the decision is really only a matter of minutes.
No bank should ask you for bank statements, why should they? If the parameters are right, you can take approximately as a limit 4000 euros, everything below that, they usually want, nothing(so apart from of course Ausweißdokumenten) over 4000 euros are usually enough, the current statements of the last three months.
I hope I could help you a little bit with this.
This post has been translated automatically
No credit rating / creditworthiness because of gambling?!
Nobody has liked this post so far
Why should I make up something ok was not poker but slots but poker is a bit more common I think
This post has been translated automatically
No credit rating / creditworthiness because of gambling?!
Nobody has liked this post so far
even if you don't want to hear it, the best is still not to take out a loan, to think a bit more foresighted, to gamble less, to save a bit and never be too sure that tomorrow everything with job & co will still be in order
This post has been translated automatically
No credit rating / creditworthiness because of gambling?!
Nobody has liked this post so far
no credit, even if you gamble away a few thousand every few months. Very strange.
Somewhere there is a financial hole, or you have not quite told the truth.
If your story is true, you only need 3 months not to gamble, then nothing is visible in the account statements
Nothing evident in the account statements. Normally banks require 1 or maximum 3 months
retroactively the account statements. So simply do not gamble for the time, and there are no more traitorous
Traces more to see.
Should you have credit entries, chargebacks or other, as well as too many financial
financial obligations, you will not get a loan. Otherwise it should
it should not be a problem.
Apart from that, 20,000€ is easily enough for your purchases.
The bank will also ask more questions about this.
P.S. 5000€ in one week gamble and then 40.000€ credit want to have is also cool.
Sounds more like Gambling addiction!
This post has been translated automatically
No credit rating / creditworthiness because of gambling?!
Nobody has liked this post so far
So. First of all to @Stkrie...
There is no "financial hole". I don't want to deny Gambling addiction as such, but that's not quite right. For example, I have no problem not to gamble for 6 months. However, if I gamble, then really. It is simply not enough for me to gamble away 100€. According to the doctor, you are also an alcoholic if you drink a beer a day...I think you understand what I mean.
Now to the actual topic.
I had made an appointment and wanted a personal loan in the amount of 40.000€
The consultant had the sales of the last months in front of him, was already informed and also knew my fixed costs. After about an hour everything was clarified and the application was approved. One day later, I then received a call that it would not be possible so easily. I would have to bring invoices as proof. That was too stupid for me, so I declined.
Now I did some research. Normally, this is only required for loans for renovation, etc.. However, I have applied for a personal loan. As the name suggests, you can do in principle what you want!
As just mentioned, nothing is made up here. Why should I lie? I need your help!?
In summary, it has come so, as I feared it. A credit is not so easily in it because of the Zockerei.
But why? I have no debts, have always paid on time etc.. There is absolutely nothing against it in my opinion nsch. Even with the monthly repayment I would still have 1500€ over! I am really quite perplexed. What should I do now? To another bank possibly? But the pick up but surely also the sales of the house bank or?
I can not understand it in any way:(
This post has been translated automatically
No credit rating / creditworthiness because of gambling?!
Nobody has liked this post so far
I also run everything through my normal house bank, gabs never anything in queries or problems.
This post has been translated automatically