Banken vil ikke stille anfordringsgaranti?

[Sam_123]

Hej
Vi fik endelig brev fra US i går med anmodning om sikkerhedsstillelse.

Jeg ønsker som udgangspunkt at stille en anfordringsgaranti.

Jeg fik en til at ringe mig op fra Nordea. Hun oplyser mig, at de kun kan lave deponeringsgaranti. Hun har ikke hørt om anfordringsgaranti før ifm med familiesammenføring.

Efter at jeg gør hende opmærksom på, at der altså er noget der hedder det siger hun at banken ikke låner penge ud som kan stilles som garanti.

Jeg føler jeg fik fat I en der ikke rigtig vidste noget om det:/
Nogen der kan anbefale hvad jeg skal gøre/sige?

Kan man egentlig stille en anfordringsgaranti i en anden bank end ens eget?

Det blev noget langt, håber nogen kan svare

[denmarkthai]

Det er forskelligt fra bank til bank, hvordan de tilbyder garantier i forbindelse med familiesammenføring.

Udenlændingestyrelsen er ligeglade med om du laver en Anfordringsgaranti eller en Deopneringskonto.

Da jeg talte med Danske Bank oplyste de at de kun tilbyder en Deponeringskonto, eller alternativt at låne pengene, for herefter at man kan sætte dem på en Deponeringskonto.
(Så kan de jo tjene renter på det i mellemtiden)

Du kan sagtens lave en anfordringsgaranti i en anden bank end din egen.
Om en anden bank vil gå med til det, uden at du flytter dit engagement til dem privat, er helt op til banken.

Det nemmeste er at lave en deponeringskonto, hvis du kan skaffe de ca. 54.000 kr - evt. lån privat af familie / venner.

Den kan jo sættes ned efter 6 mdr. når A1 prøven er bestået, og igen når A2 er bestået.
Herefter er den kun på ca. 20.000 kr.

Danske Bank tager 300 kr. for at oprette en deponeringskonto.
(Har set en anden herinde få det til 150 kr. i Danske Bank), men det afhænger nok af hvilket kundeprogram man har, samt ens samlede forretningsomfang med banken.

[Sam_123]

Tak for svar:)

[babysofie]

Hej Sam_123, i have to asked. We just received letter from immigration that now we have to send to the kommune a sikkerhed penger before i will be allowed to work and get all my papers cleared (get my cpr, and etc.) As an answer to our family reunification application. Now my question is, If we don't "loan" the money from the bank, is there any possibility or has it happened before that we can borrow from the kommune the sikkerhed penge. This money has to be in an account in the kommune. And they will send copy to the immigration once we have that account in the kommune. I have asked some friends. They said they borrowed the money from the kommune.
Is this possible?

Thank you so much for your time.

Mvh

[Calle2]

The whole point of the security is, that the Danish state does not end up having to pay for you getting familyreunion, so I would really question if your friends have borrowed from the kommune. If they did give it and you wanted kontanthjælp, the kommune would be taking money from your security, but it would be their own loaned out money??? Seems really strange if that is the case.

If you only tried one bank, then go to some other ones too and ask. If still no luck and you are not able to borrow from friends, some people have borrowed using kviklån. Not the best option since the interests are high, but it is better than not being able to put up the money. Remember that about 23000 kr. will be returned to you, after you have passed Danish A1 test.

[Sam_123]

Ny har jeg fået udfyldt oplysningsskemaet og pantsætningserklæringen. Der står i brevet med anmodningen om sikkerhedsstillelsen at blanketterne skal sendes til Københavns Kommune, Center for beskæftigelse, sprog og integration, Jobcenter Integration, Hejrevej 10.

Ved nogen om man kan tage derned og aflevere det personligt? Eller skal det være per post?

[babysofie]

@Calle2. Nykredit and Nordea said no about us loaning the amount from them. We have no other source. Privately (family and friends) couldn't loan us money. We thought we could save up before they answer but we just got our place last month and we just move in last the 1st of this month. We had used the money for indflytning and the stuffs for the house. We informed them we just moved in to our new place but we thought maybe they will answer us 2 to 3 months later since when i looked at our family reunifiction status it was still not process but they get back to us a day after we informed them about the house. Now we don't have enough money for the sikkerhed penge. Loaning the amount is our only way right now. I already can write and understand very much of the danish language. Sometimes i speak the language but due to difficult pronounciations of some words im still not comfortable speaking the language. Can you recommend other banks who can let us borrow or rent a deponering konto? I would really appreciate it so much. We only have 2 weeks left now to gave the information of the deponering konto to the kommune and them can send the copy to the immigration. We have no idea what to do. Mvh

[Calle2]

I'm not really into the different banks and it also depends on your situation. You could try some other ones, but if not it sounds like there is only kviklån left as an option. Depending how good you are in Danish, you could then even go for the A2 test right away and get something like 33.000 kr. back fast - and for only one fee of 2600 kr. (though a gamble if you are not sure about it - the important part is to pass A1). Then pay off part of the loan and the rest after saving up for some months to save on the high interests.

[Jefm]

Hej,
Jeg har Nordea bank og har fået lavet en anfordrings hos dem. Jeg havde ikke pengene selv, så de lånte mig dem, men skulle igennem et tjek om jeg kunne stå med sådan et lån. Jeg fik den oprettet igennem Frederiksberg afdeling og underskrevet d. 7 juli 2017 altså sidste uge.
De lavede den på 3 dage