Our services

LOAN OPTIMIZATION / DEBT RESCHEDULING

Are you planning to sell or buy a property or would you like to optimize existing mortgage loans? We support you with our experience and find the right financing mix for your needs.

FAQ


  • Simple
    – One contact person accompanies you throughout the entire process.


  • Fast
    – Thanks to our professional approach and network, you get results quickly.


  • Favorable
    – Thanks to our partners, you benefit from the best possible conditions and fast processing.

  • Desired loan amount

  • Runtime

  • Intended use

  • Personal data: full name, date of birth, address, marital status and income details

Required depending on the type of loan – usually sufficient for consumer or installment loans:

  • Copy of your identity card

  • Proof of income (e.g. wage or salary slips)

  • Signed credit application

For online processing, we naturally also accept photos of the documents taken by smartphone.

  • Age of majority and full legal capacity
  • Regular income

  • Permanent residence in Austria

There may also be additional requirements depending on the type of loan and bank – e.g. permanent employment, proof of salary for the last few months or equity for mortgage loans.

At least 4 months – regardless of your nationality.


  • Salaried employee:
    at least € 1,200 per month


  • Pensioner:
    at least € 1,000 per month

If you
have been employed in the same company for at least 5 years
financing is possible even if you have an existing garnishment or KSV entry.


  • KSV (credit protection association):
    Unpaid loans, leasing installments and credit cards are entered here.


  • Warning list:
    Notes problems with the current account.

A
free KSV extract
can be requested at any time by e-mail – further information can be found on the KSV website.