{
  "id": 3185729,
  "title": "Auch im Alter liquide: Kreditanfrage abgelehnt? Das können Ältere jetzt tun",
  "url": "https://urgent.news/2026/08/25/auch-im-alter-liquide-kreditanfrage-abgelehnt-das-konnen-altere-jetzt",
  "topic": "business",
  "section": "Business",
  "published": "2026-08-25T03:46:05.000Z",
  "source": {
    "name": "Handelsblatt",
    "slug": "handelsblatt",
    "url": "https://www.handelsblatt.com/finanzen/steuern-recht/auch-im-alter-liquide-kreditanfrage-abgelehnt-das-koennen-aeltere-jetzt-tun/100249442.html"
  },
  "original_language": "de",
  "account": "Individuals who are 55 years old or older often find it challenging to obtain a loan from a bank. Repeated rejections of credit applications do not necessarily spell the end of their financial goals, however. In such cases, affected individuals may explore alternative avenues to secure the necessary funds. According to Markus Latta from Consumer Service Bayern, one option is to leverage the home without being compelled to vacate the property. This is achieved through a type of loan known as an \"Umkehrdarlehen\" or \"Invershypothek,\" where the property is used as collateral. The borrower is granted a loan that only becomes due upon the death of the property owner or upon the sale of the house. Ideally, there are no interest or repayment payments during the owner's lifetime. The primary risk for the bank is that the loan amount may exceed the value of the property, which they typically cover.\n\nAnother avenue is to involve a second co-borrower or guarantor, such as adult children who are creditworthy. In this scenario, the chances of securing a conventional loan improve significantly. However, the guarantors assume responsibility if repayment of the loan faces difficulties for any reason.",
  "summary": "Mit zunehmendem Alter kann die Kreditsuche zum Spießrutenlauf werden. Wie das Eigenheim oder kreditwürdige Kinder plötzlich zum Rettungsanker werden können.",
  "key_points": [],
  "editors_take": null,
  "illustration": null,
  "coverage": {
    "outlets": 1,
    "also_reported_by": []
  },
  "ai_generated": true,
  "disclaimer": "Summaries, key points and the editor’s take are written by software from other outlets’ reporting and may contain errors — always check the linked original."
}