Criteria health questions credit

Definitely not. Health is not a creditworthiness-assessing criterion.

Yes, regarding health that is clear. I was thinking now of interbank databases where rejections are stored. I don't think so, but I don't know.

Yes, regarding health it’s clear. I was thinking about interbank databases where rejections are stored. I don’t think so, but I don’t know.

Rejected credit applications are stored at Schufa. Every rejection worsens your Schufa score. Therefore, credit brokers usually make an anonymized preliminary inquiry before they submit the actual credit application to the bank. Health is not relevant, but possibly age: Here the special feature is the Mortgage Credit Directive, according to which banks must ensure that borrowers can still service the installments in retirement age, provided the loan has not already been repaid by then. In practice, this could lead to age discrimination against older applicants for mortgage financing.

Great, many thanks to everyone. The anonymized preliminary inquiry is thus the method of choice for solving all questions. Does anyone have a tip on how to find a good broker?

The preliminary inquiry does not have to be anonymous. In the case of a conditional inquiry, nothing is sent to Schufa, only in the case of a credit inquiry. One may then have to ensure that the bank fills it out correctly.

Does anyone have a tip on how to find a decent broker?

You simply go to 2-3 brokers and maybe also to 2-3 banks (or even insurance companies) and in the end you compare the offers and choose the one you like best. You are overthinking it too much in advance.

You simply go to 2-3 intermediaries and maybe also to 2-3 banks (or even insurance companies) and in the end you compare the offers and take the one you like best. You are overthinking it too much in advance.

This is a recommended procedure for requesting terms for real estate financing.

If there is interest in taking out a term life insurance policy, the procedure is usually similar: You commission an independent insurance broker (some are also specialized in mediating disability insurance and term life insurance, especially regarding complicated cases) to make an anonymous preliminary inquiry to different insurers. This procedure is important because each potentially rejected application (for health reasons, for example) is stored in the aforementioned HIS database and thus makes any further application more difficult or impossible.
If one knows that taking out a term life insurance policy will be very difficult to impossible due to one’s medical history, one can also inquire about other credit insurance options. There are a few, but these are usually more expensive and do not cover as broad a spectrum of contingencies as a term life insurance; often, for example, only the death of the borrower is insured, but not severe illnesses etc.