A letter with the note “personal” above the name and address and without an apparent sender turned out to be good news:
Sehr geehrter Herr Janecke, wir freuen, dass Sie sich für unser DKB-Privatdarlehen entschieden haben. Ihren Antrag in Höhe von 2.500 Euro nehmen wir gerne an. Den Auszahlungsbetrag werden wir auf das von Ihnen genannte Konto überweisen.
Loan payment through bank transfer
The payment of the loan took place in an unspectacular way through a bank transfer tagged “Auszahlung Privatdarlehen“ (payout private loan):
Loan appears as a new account within online banking
Once the loan application is approved and the money is paid out, the loan account appears in your online banking:
By clicking on the details of the loan, the following page appears
Note for everyone, who does not have a current account at the DKB
… and what does the SCHUFA know about my loan?
Like at any other loan of a German bank – the loan will be registered at the Schufa (credit investigation company). That looks like this:
Such a Schufa entry is not negative – in the end, one will realize that the DKB considers you as someone solvent that a loan has been approved. It would be negative, if there would be a note that a loan was not paid back. This is the deeper meaning of the organization Schufa.
Further advantages of the DKB loan
In the letter about the credit payment, the bank indicates the following advantages of the DKB private loan:
- the interest rate, current account balance and transactions can always be viewed in online banking
- the possibility to request a repayment plan free of charge
- the debit account and address can be changed any time via online banking
- your personal documents can be uploaded to an online security deposit box (see DKB video course (in German))
- telephone accessibility of the bank around the clock
In a future article, I will talk about the possibility of special unscheduled repayments. You are most welcome to send me your questions on this subject. These will be answered in the article.