I have an appointment next week with my adviser at the bank.
I would like to take out a loan of 15,000 euro.
I have an indefinite employment contract and earn 1,700 net.
I still live with my parents, it will not change anything and no cost money. The only cost I have is the car. (Insurance, car tax, fuel costs & annual oil change inspection). Other Costs I Have Monthly (Union Member Post, Netflix & Prepaid Cell Phone)
Do my chances look good? I also have no Schufa entry! Have always paid my bills on time, never had a reminder or something!
If you still present a solvent person who can vouch for you… Is m.M.n. Nothing in the way.
That's what they ask? When I made an appointment, they looked at my account if my salary is coming regularly. Everything was fine. The employee at the counter said that should not be a problem.
If the employee has already signaled the green light - but everything is ok - 👍
In the situation you describe, there are no problems. Except annuity and life insurance, other loans and own lump sum is not included in the debt service calculation. I would not worry about that.
