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Every application for a loan is only a request for the bank, not an obligation. Accordingly, it can also happen that your request for financing for a vehicle is rejected. Reason for this is usually a lack of creditworthiness on your part. Often, however, this refusal does not mean the end of your automotive dreams. Because you can also use other options for car financing – depending on why exactly your application was rejected.

1. Like any loan, the desire for a car loan can also be rejected by the bank.
2. The central reason is usually that the bank sees in the applicant too high a risk of non-payment.
3. However, there are many ways and means to still get a serious loan or otherwise get a vehicle.

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Why does the bank refuse financing?

There are problems with schufa

The schufa as the most important credit agency in germany can be the deciding factor in a bank’s decision for or against granting a loan. This is because the bank knows the financial situation of almost every German. Whenever you get a financing, conclude a cell phone contract, or otherwise have longer-term financial obligations, you can assume this: you must contractually agree that your data will be transmitted to schufa. Accordingly, they also get to know if there are financial problems. About:

Haggle over the price of a car? To be successful, you should be well prepared for the negotiations. choose the right time to negotiate, emphasize the car’s weaknesses to get a discount, ask for additional services and stay confident and self-assured. To help you negotiate better the next time you buy a car, we have some practical tips for you.

the good news first: in the used car trade almost no price is fixed, but everything is a matter of negotiation. The bad news: the starting conditions for negotiations are by no means fair: a professional salesman usually has more technical knowledge than the customer, plus experience, skill and training in negotiating tactics. In addition, the buyer enjoys a home advantage, while the buyer has to venture into foreign territory – even when selling from private to private, this circumstance should not be forgotten. Therefore, the first rule on how to best negotiate when buying a car is: get as much information as possible before you start negotiating.

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The 5 most important rules for negotiating

Rule 1: enter into negotiations well prepared

If you want to negotiate properly when buying a vehicle, you first need to have a feel for it, what is a realistic price for the chosen model is. Therefore, you should determine in advance the usual price range for the desired vehicle. Make sure that the cars are directly comparable with each other. Because the models differ considerably depending on the version, the prices of the vehicles on offer can also differ significantly from one another.

smart home devices are more popular than ever before. The internet of things (iot) unites everything that is the internet of things? What is the internet of things? What is the internet of things? here is all you need to know about it, why it is so exciting, and some risks. read more from lighting to complete security systems. Once separate systems, many things at home are now controllable from a smartphone.

As new technology, some elements of home automation don’t come cheap. however, with a DIY setup and some cheap components you can build your own smart home on a small budget! just think about how you want to secure your smart and iot devices. 5 tips to secure your smart devices and iot devices 5 tips to secure your smart devices and iot devices smart home hardware is part of the internet of things, but how secure is your network connected to these devices? Read more . Here are nine examples to get you started.

Sometimes it has to be miele- when it comes to washing machines, many german households swear by the long-term quality of the traditional north rhine-westphalian company. Because miele has over 120 years of experience in the manufacture of washing machines, many of the devices are tested for a life of up to 20 years. In addition, miele washing machines offer several innovative additional functions and are economical in their use of electricity, water and detergent.

The following comparison shows an overview of the most important features of 7 miele washing machines in different price classes. The following guide informs about the functionality, the different types and their advantages and disadvantages. The FAQ section answers the most frequently asked questions about miele washing machines and concludes with an overview of miele washing machine tests by stiftung warentest andoko-test.