Loans, financing and debt restructuring | credit bureau

With Kredit1a an experienced team of professionals helps on with credit and loan issues.

Online Kredit, debt restructuring and mortgage loans throughout Austria The credit bureau platform enables access to experienced credit intermediaries.

Financing of all kinds with a competent partner:

credits: The credit bureau platform gives you access to all kinds of loans. Our expertise is your advantage!

Hypocredit: We arrange mortgage loans for building a house, buying a property and renovating your own home.

debt restructuring: With debt restructuring, you can save interest and combine several installments into one. This usually also improves the monthly disposable income.

information and news: News about finance and credit can be found on our finance blog. This will keep you up to date and you might find one or the other helpful tip.

Online loans in Austria:

The internet makes it possible! In Austria there are numerous banks, online portals and platforms that allow you to apply for loans online. Based on the information provided by the loan applicant in the online form, it is checked whether you can basically afford the loan. This preliminary question is clarified by the computer on the basis of a mathematical calculation. Even if the initial result is positive, the person applying for the loan must subsequently deposit certain documents and prove their identity before the payment can be made. In any case, the Internet today contributes to faster processing of loan inquiries. If you make an online loan, the computer often decides on the Internet whether you meet the basic requirements for lending.

Your credit rating determines your creditworthiness:

Whether you get a loan in Austria or in Germany depends on a few important factors. One of these factors is the so-called creditworthiness. Before granting a loan, every bank checks the creditworthiness of the customer in order to minimize the probability of a loan default. Banks ask for data from so-called credit reports, which are companies that collect data relevant to creditworthiness. In Austria, the Credit Protection Association of 1870 is probably the most important credit agency. All loans taken out by a person are also stored there in order to give the querying bank an overview of the borrower's outstanding debts.

Avoid credit broker rip-offs!:

Again and again we hear from customers that they pay in advance for the brokerage of loans - but then the loan did not come about. Certainly not every credit intermediary who requires an upfront payment is to be stamped, but special care and caution is required in such cases.

In particular, offers from abroad are pure rip-offs. Written promises and offers about "already approved loans" usually turn out to be a failure. Personal loans offered in newspapers or on the Internet almost always lead to disappointment and lost money. In any case, you can also research for yourself whether the providers are serious. Check on the Internet homepage of the Financial Market Authority and on the Internet whether the credit broker is already on the warning lists. This can save you a lot of money.

Our experience is your advantage:

As an independent credit broker, we work purely on the basis of success. This means that we do not require our customers to pay in advance and only receive our commission when we have been able to successfully arrange a loan.

This procedure has several advantages for you:

No cost risk as no upfront payment is required;
Complete transparency and no hidden fees or interest;
A realistic assessment of the chances of success in advance;
Personal care and advice.

Due to our experience and expertise, we also help you to make mistakes when applying for a loan. For example, it can damage your creditworthiness if you make loan inquiries to banks too often.

Personal service and expertise:

We offer our customers a comprehensive and uncomplicated service. We accompany borrowers from the application to the payment and communicate for you with one or more banks.

Today, loans from banks are mainly processed and decided using the so-called scoring system. The computer then decides whether you get a loan or not. The bank advisors themselves do not know the mathematical formula behind it, or at least not exactly.

Our service consists, among other things, of conveying an overall picture of the customer through our personal contacts. So we talk to the bank advisors and clarify detailed questions that cannot be recorded by the "system".

Since we work purely on a commission basis, we are interested, like you, in achieving a deal for you as quickly as possible.

You can reach us by phone or email and we can provide you with information on credit issues at any time.

Useful information and practical tips:

Our financial encyclopedia should help you with valuable tips and information to improve your Finanz situation or to avoid mistakes. We answer frequently asked questions and refer to specialist articles on the topics of financing and debt. You can also use the "Search" function to search our homepage for specific terms.

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