It is an uncomfortable situation that you get into too quickly: you cannot pay your rent or a deposit is missing. The debt, for which interest is due, of course, is skyrocketing. The landlord loses patience and insists that he wants to get his money at last, otherwise he has to put one outside the door. One wonders the question: Can you get a loan for rent debt?
The loan for rent debts
Banks do not have a dedicated loan for rent debts, such as for a car or for renovating your own living space. The state only grants this on the condition that the debtor receives state support and by moving (which requires repayment of the rent debt, because the state does not allow landlords to wait for their money. If this threatens, the move will be not allowed) gets a new job. Banks ask an uncomfortable question: Why did rent debts arise at all? Your own credit rating is almost always not sufficient or your own Credit bureau entry is negative – or both.
The best way to get a loan for rent debt
There are, of course, several options to keep a loan for rental debt. When you’re in a tight spot like this, private individuals who feel emotionally connected often help. There are also credit institutions whose reputation is often very doubtful. Banks present a simple solution: the guarantor. The loan for rent debt is probably not so high that it exceeds the size of a small loan.
Banks can give these to people with poor credit ratings as long as a guarantor in the background ensures repayment. However, you first have to know a suitable guarantor for this scenario. And he, too, will probably only be willing to play along if you can assure him beforehand that his services will not be needed.