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The term loan request or loan application means the request to a bank or savings bank for a specific loan. To answer this question, the bank collects information about your creditworthiness, even credit calls. The bank sends your request there, reports the process as a loan request, and then receives information as to whether you are a reliable loan customer or whether you have previously had difficulties paying back loans. In this way, the bank checks whether you are creditworthy and whether it grants you the loan.

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What is the difference between a loan request and a condition request?

If it forwards a condition request, the lending bank receives the same information as it does for a loan request. The advantage for you as a customer is that it is non-binding and therefore has no negative effects on your creditworthiness. Every condition request is also stored in your files for one year, but it is not visible to third parties.

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Tips on loan inquiries and loan applications

So that you can avoid the disadvantages of a loan application, we have put together a few tips for you.

Find out about your creditworthiness

Obtain a self-assessment from major credit agencies on a regular basis. Once a year, you have the right to view the data relating to you free of charge and to have incorrect entries corrected. This gives you a good overview of your creditworthiness assessment.

Insist on a condition request

If you have a personal conversation with your bank advisor or with a credit broker, ask him expressly to carry out the request as a condition request. This will avoid the disadvantages of a loan application.

Be careful with loans.

A credit request information is possible. Then a loan is granted without a prior credit check. A loan is interesting for borrowers who would probably not get a loan because of a bad credit rating. But be careful: On the one hand, these loans are associated with extremely high interest rates, and, on the other hand, there are also dubious providers in this field.