A loan is usually accepted to fulfill wishes. Banks are also making it easy nowadays. With a regulated income and if the creditworthiness has not taken any damage, there is no problem with a loan commitment. The consumer only has one thing left to do is choose the cheapest bank. But there are also cases where the credit is not intended for wish fulfillment. Being able to compensate a loan for the dispatch is also a reason for many.
Credit to be able to compensate for Dispo
The current account has the advantage that a loan is possible on a small scale due to the disposable disposable. Anyone who has a good income, also gets a corresponding disposition credit, called Dispo, provided. Without having previously spoken to the bank, this can be used at any time. Most account holders also use it. So it can happen that a current account is constantly in the minus. But eventually, the bank wants that the checking account is gradually being compensated. In the worst case even threatens the cancellation of the Dispos. But before that happens, the bank will invite customers to a conversation. In this personal conversation between the bank adviser and the customer, the possibility is opened up to be able to settle a loan around the MRP.
For the customer this is the better solution anyway, because the use of the Dispos costs interest, which are in the two-digit range. A loan is much cheaper. The disadvantage, however, is that the borrower has to repay the same amount to the bank on a monthly basis. When using the Dispos handles the bank more freely. A fixed amount for repayment is not required.
However, it is only possible to offset a loan for the MRP if there are no negative entries in the private credit. Once the credit rating has been damaged, German banks no longer grant credit. If you want to balance your account, you must contact the banks abroad who are not interested in the entries in the private credit. The so-called Swiss or Liechtenstein loans are the last resort for a loan for those affected.
Basically, the use of the Dispos lead to a debt. The use is really worthwhile only if it is used only for a short period of time. In addition, the income should be accordingly. Once the MRP is used to the limit, it is difficult to get back into a positive balance.