The credit despite running credit is not always avoidable.
When building a house, it can be the additional financing, which makes an additional loan unavoidable. Life does not stop, just because a current credit agreement has not been fully repaid. Wishes want to be realized, some needs can not be deferred. An additional loan helps in these situations, but also carries the risk of living beyond your own circumstances.
A loan despite running credit – what should be respected.
A careless handling of the credit despite running credit is not advisable. However, a well-considered use of the possibility to have several loans helps in many life situations. The refinancing of building a house would be a situation in which there is hardly any other way out. It has already been invested a lot of money, the house construction is still not habitable ended. The re-financing makes it possible to complete the construction work and to use the house.
The interest on the loan despite running credit, however, are slightly higher. However, the higher interest rates have no relation to the damage that would result if the work were not stopped.
The car repair credit financed.
The car does not take into account the current state of the household budget when it needs repair. It is the most important commodity in most households. Without the car, the workplace can not be reached. In addition, the normal daily routine is tailored to its use. The purchases concern this as well as the transport of the children.
The car is thus the basis of everyday life in most families. A repair should therefore not have to wait too long. An additional small loan or the overdraft of the current account provides the necessary ability to act in this situation.
Additional debt to satisfy needs.
Of course, life goes on, even if you have taken in the past a loan to build a house or for a car. Who can ensure that all obligations are always met, not necessarily “abstinence” practice. A credit despite running credit makes it possible to fulfill wishes. Especially young people still have all the possibilities of a career advancement in front of them. If the income grows, then additional obligations without remorse can be easily met.
However, this is always only recommended if a healthy sense of proportion is kept. The credit despite running credit also carries the risk of overconfidence. A new loan should therefore always be viewed with skepticism. If the job is really secure, it’s probably one of the crucial questions that everyone has to answer themselves. Only with a healthy degree of self-criticism is a loan despite running credit never a problem.