Debt rescheduling credit – You’ll find more about it here.


There is a lot to consider when rescheduling a loan. In addition to interest conditions, fees and contributions also have a decisive influence on the rate.

Debt rescheduling credit

Debt rescheduling credit

A debt rescheduling is the transfer of debt to another lender. The reasons for a debt rescheduling loan can be varied. The main reasons for such a decision can be found in improved conditions or in a changed rate.

Debt rescheduling credit when using the overdraft facility

Debt rescheduling credit when using the overdraft facility

An overdraft facility is usually set up in the account holder’s salary account and is intended as scope for short-term capital requirements. The interest rate is generally much higher than for installment loans. For this reason, a debt rescheduling loan should be made if the disposable is used for a long time.

Debt rescheduling loan to lower monthly installments or improve interest rates
Installment loans are usually taken out at a certain interest rate over a fixed term. Many households use these loans to finance consumer goods. In the recent past, many dealers have also offered financing products. The danger of these tempting offers is that the consumer is tempted to finance too many purchases. This often results in a large number of financial liabilities and a high monthly rate. For this reason, it is often necessary to redeem several loans and combine them into one loan. This means that there is a lower monthly charge for a longer term.

When it comes to the financing of houses, there is usually only a so-called fixed interest rate for a manageable period of around 7 to 15 years. After this period, follow-up financing is often necessary. In this case, a comparison of the loan offers of the various financial service providers is always worthwhile. A debt rescheduling loan can also be recommended without expiry of the fixed interest period.

Debt rescheduling credit

In addition to the interest conditions, the processing fee for debt rescheduling must also be taken into account. In the case of loans that have almost expired, it can sometimes make more sense to keep them until the end of the term, despite a higher interest rate. There is a similar point of view when taking out supplementary insurance, such as in the event of unemployment and disability. Taking out such insurance can make sense, especially for larger loan amounts. In the case of a debt rescheduling, the premiums for these insurance policies must be paid again. For this reason, it is also conceivable that the rate will increase despite a lower interest rate.