I have been living in Austria for a bit less than a year, my earnings are good and I've had a bank account here from 7 months. I've already taken a loan from one bank of 10000€ to be paied in 10 years with an effective interest rate of 12,5% This bank was the only (of 4 checked) to give me the loan without a bank history in Austria (this of course is specific to expatriates).
Since the effective interests are very high I tried to ask for cheaper loan using this website: http://www.testsieger-kredit.at/kredit-vergleich/
I contacted both ING-DiBa Direktbank Austria and wsk-bank.at but they both answered: “Leider können wir Ihrem Kreditansuchen nicht nähertreten.” without any explanations
I tried to ask for: 20000€, 14000€ and 5000€. All refused. I've checked at KSV: the information they have on me include refused loans requests.
Can you give me suggestion on best practice, website for information, or things which could inhibit banks from lending me money? After all of that I've asked my bank to give me extra money and they accepted, but the interest rate is high. Almost the double of the others..