Welche Kredite
Wer sich bei seiner Hausbank um ein Kredit bemüht, mag zuweilen feststellen, dass die Kreditvergabe von Seiten der Bank mit einer Menge an Sicherheiten und Nachprüfungen verbunden ist. Die Bonität des Antragstellers muss geprüft und festgestellt werden und in der Regel werden nicht unwesentlich hohe Zinsen gezahlt werden. Wehe aber, wenn das Kreditinstitut nicht genügend Sicherheiten sieht und durch eine Ablehnung des Antrags eine Existenz oder ein bevorstehendes Projekt von einem auf den anderen Moment gefährdet. Zunächst aber sollte die kritische Haltung der Bank durchaus so verstanden werden, dass die eigene Kreditwürdigkeit ein Indiz für eine nicht sehr gefestigte finanzielle Situation darstellt. Eine Alternative zu herkömmlichen Bankkrediten können hier die so genannten Privatkredite sein. Die auch als Verwandschaftskredite bekannten Kredite werden in der Regel durch Verwandte oder gute Freunde vergeben. Im Internet gibt es außerdem Banken, die als Mittler zwischen zwei Privatparteien für die Vergabe von Privatkrediten auftreten. Nach einer Absage durch die eigene Hausbank kann die Prüfung eines Privatkredits eine lohnende Alternative sein.
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