Does it make sense to make a hire purchase without Schufa request? A hire purchase without Schufa is possible. If the customer in an existing business relationship for the first time for an installment, E.g. the shipping trade assessed its ability to pay on the basis of the date of payment. While a negative Schufa entry requires the final payment or the introduction of a judicial order for payment procedure, sees the dealer to the client’s contract account any irregularity in the payments and can better judge its creditworthiness. Waiver of the Schufa request for new customers but also for new customers, a hire purchase without Schufa is possible because especially merchants from abroad often waive a Schufa request. Whether an installment in the shipping trade is cheaper than an installment loan with a Bank, depends on the particular case.
Advertise some catalogers even so that they charge no interest for the installment, then buying rates is cheaper than the rates credit of course. However give banks rates credit with maturity periods of several years, while the catalogers in most cases approved up to six monthly installments. Does it make sense to a hire-purchase without Schufa for the consumer? However, it is questionable whether a hire purchase without Schufa for the consumer is really useful. The Schufa after their self understanding protects a debt the dealer against payment defaults as well as the consumer. The most common cause of a bankruptcy is the excessive purchase and the impossibility to fulfill all accrued receivables. Smaller shipping dealer only the information about any present negative criteria according to the contract by the Schufa, only banks and large traders are informed in addition more existing credit agreements and the score value. Thus, the protection of consumers against excessive debt is low, as a negative entry only occurs if the payment problems have occurred.
Hire purchase or payment in full it also turns the question is whether the purchase of products that can be paid for directly makes sense. Debt apply to individuals not more than immoral. Consumer advocates recommend nevertheless to incur debts only for essential consumer durables. If the washing machine or refrigerator is faulty, the longevity of the new electrical device quite justifies a loan or an installment agreement. To be classified as luxury products should be purchased but only then, if they can be paid directly. Even if debt owed to private individuals are not more so morally reprehensible, it is so, that these people live just beyond their means… And this is just for some time, until the creditors readjust a pleasant. And then enforcement notices, court bailiffs, and everything that belongs to, also the affidavit. And that’s been reprehensible, because seamlessly private insolvency can join. And it’s no longer funny. Then is no longer a bottle of sparkling wine in it. You can see more details under Konrad mosquito