Trainees have already earned their first money and want to afford it. With a bank card it is now easy to shop, so that you don’t even have to go to the bank. Unfortunately, very few have a look at the account, because the money that was earned is quickly spent.
So it often happens that cell phone contracts were concluded and in the end they could no longer be paid. In such cases, the delay in payment is entered in Credit Bureau and this has a negative impact on the creditworthiness. Since banks only grant a loan if Credit Bureau has no entries, it will be difficult to get a loan despite a negative Credit Bureau and trainee.
Search and find alternatives
In order to get a loan despite a negative Credit Bureau and trainee, good security must be provided. Banks require this security whenever there is insufficient credit to obtain a loan. This means that the trainee also has to think about how to get collateral. For example, parents can vouch for their children, which they have to do anyway if the trainee is not yet of legal age.
Then the parents’ salary could be used as security for the loan, so that at least a small loan can be applied for. If it is a loan despite a negative Credit Bureau and trainee for a car, the bank can keep the vehicle registration document as security. The apprentice is not posted until the loan has been paid in full. If he does not do this, the vehicle remains in the bank’s possession.
Seek credit abroad
There is often talk of Swiss credit that does not check Credit Bureau. Now trainees might think that this loan is right for them. However, conditions must be met that a trainee cannot achieve. So he has to prove a fixed employment relationship, which shows an income that can be attached.
However, trainees rarely earn so much money that they are above the garnishment-free allowance, so that a loan cannot be taken up abroad despite a negative Credit Bureau and trainee. In this case, no guarantee would help either, because it is clear from the outset that the trainee cannot provide the security alone. In addition, he should have been in employment for at least two years and be able to present an unlimited employment contract.