Credit for surgery – that’s how you get it!

Obtaining an OP loan is easier than you might think. An operation can take place for a variety of reasons, but depending on the reasons, it is not always covered by your own health insurance. While health insurance companies generally show themselves to be cooperative when it comes to medically necessary surgeries and usually also take care of them in full, it is not always so easy for an operation for aesthetic reasons, or too good a German: a beauty op.

Because health insurance companies naturally only carry out operations that are vital and without a surgical remedy represent a major cut in the patient’s quality of life. However, if you want to be operated on for aesthetic reasons, you should take out a loan for an operating room, which is also relatively easy to obtain from almost all credit banks.

Collateral and sufficient creditworthiness are necessary

Collateral and sufficient creditworthiness are necessary

As always, it is primarily the borrower’s creditworthiness, but also his collateral, that determines whether a loan amount is ultimately granted or rejected. This is also the case with a loan for the operating theater, which, as a rule, does not count as an investment or start-up loan, unless the borrower makes a living with his appearance, but a payment plan is still necessary when the loan is drawn.

Since operations are expensive, especially those that have to be funded out of one’s own pocket, it is not uncommon for a loan to be taken out for an operation or at least to be applied for. Banks are, of course, very well aware of this fact and, as a rule, can provide the borrower with sufficient support, provided the necessary security is guaranteed.

It is usually more important for lenders to be sure that the loan amount can be repaid without any liquidity problems than a logical argument for the loan is needed. So if a loan is needed for an operation, the borrower should quickly deal with his own financial strength.

Operating loans after checking the Credit bureau

Operating loans after checking the Credit bureau

After applying for a loan, banks will first check their own Credit bureau entry to ensure that the borrower can also repay the borrowed amount in full. If this entry is not sufficient, banks will check the collateral or owner of the borrower as garnishment.

If necessary, some banks allow a guarantor, if both test aspects are negative, who have to repay the borrower’s debts out of their own pocket in the event of default. However, since the cost of an operation is usually a relatively lower four-digit amount, not to be compared with the loan amount for a car, starting a business or a mortgage, the requirements on the part of the banks for the borrower are definitely manageable.

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