{"id":995,"date":"2020-02-25T11:06:34","date_gmt":"2020-02-25T10:06:34","guid":{"rendered":"https:\/\/www.hf-kreditsanierung.de\/wp\/?page_id=995"},"modified":"2020-02-28T11:33:21","modified_gmt":"2020-02-28T10:33:21","slug":"ablauf","status":"publish","type":"page","link":"https:\/\/www.hf-kreditsanierung.de\/wp\/ablauf\/","title":{"rendered":"Ablauf"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"995\" class=\"elementor elementor-995\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-faf5045 elementor-section-height-min-height elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-items-middle\" data-id=\"faf5045\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b153d7e\" data-id=\"b153d7e\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4831c34 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4831c34\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c9e51b3\" data-id=\"c9e51b3\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4a4ddf1 elementor-widget elementor-widget-heading\" data-id=\"4a4ddf1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Der Ablauf<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-dbd17fc elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"dbd17fc\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-26648d4\" data-id=\"26648d4\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-9db7685 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9db7685\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-5be0c4f\" data-id=\"5be0c4f\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e4d7bd0 elementor-widget elementor-widget-image\" data-id=\"e4d7bd0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t<figure class=\"wp-caption\">\n\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"153\" height=\"300\" src=\"https:\/\/www.hf-kreditsanierung.de\/wp\/wp-content\/uploads\/2020\/02\/sanduhr-153x300.jpg\" class=\"attachment-medium size-medium wp-image-1013\" alt=\"\" srcset=\"https:\/\/www.hf-kreditsanierung.de\/wp\/wp-content\/uploads\/2020\/02\/sanduhr-153x300.jpg 153w, https:\/\/www.hf-kreditsanierung.de\/wp\/wp-content\/uploads\/2020\/02\/sanduhr.jpg 230w\" sizes=\"(max-width: 153px) 100vw, 153px\" \/>\t\t\t\t\t\t\t\t\t\t\t<figcaption class=\"widget-image-caption wp-caption-text\">\u00a9 Maxim Basinski\/123RF.COM<\/figcaption>\n\t\t\t\t\t\t\t\t\t\t<\/figure>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-a149c38\" data-id=\"a149c38\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a699a21 elementor-widget elementor-widget-text-editor\" data-id=\"a699a21\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Schritt 1<br \/>Schuldner beauftragt HF, ein Sanierungskonzept zu erstellen, mit der Gl\u00e4ubigerin bzw. der Abwicklungsgesellschaft Kontakt aufzunehmen und eine Finanzierung zu vermitteln<br \/>\u00a0<br \/>Schritt 2<br \/>HF nimmt Kontakt mit der Gl\u00e4ubigerin bzw. der Abwicklungsgesellschaft auf<br \/>\u00a0<br \/>Schritt 3<br \/>Die Abwicklungsgesellschaft stimmt sich mit der Gl\u00e4ubigerin ab<br \/>\u00a0<br \/>Schritt 4<br \/>HF nimmt Kontakt zu einem neuen Kreditgeber auf<br \/>\u00a0<br \/>Schritt 5<br \/>Die Finanzierung wird verhandelt<br \/>\u00a0<br \/>Schritt 6<br \/>Die Altforderung wird im Treuhandverfahren entweder direkt vom neuen Kreditgeber an die bisherige Gl\u00e4ubigerin oder an die Abwicklungsgesellschaft bzw. \u00fcber den Schuldner an diese bezahlt<br \/>\u00a0<br \/>Schritt 7<br \/>Etwaige noch bestehende Sicherheiten &#8211; zum Beispiel Grundpfandrechte &#8211; werden an den neuen Kreditgeber \u00fcbertragen<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-d1f1ce1 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d1f1ce1\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5b55ef1\" data-id=\"5b55ef1\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b88572d elementor-widget elementor-widget-image\" data-id=\"b88572d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"709\" height=\"369\" src=\"https:\/\/www.hf-kreditsanierung.de\/wp\/wp-content\/uploads\/2020\/02\/schaubild.png\" class=\"attachment-large size-large wp-image-1015\" alt=\"\" srcset=\"https:\/\/www.hf-kreditsanierung.de\/wp\/wp-content\/uploads\/2020\/02\/schaubild.png 709w, https:\/\/www.hf-kreditsanierung.de\/wp\/wp-content\/uploads\/2020\/02\/schaubild-300x156.png 300w\" sizes=\"(max-width: 709px) 100vw, 709px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-25ce8c4 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"25ce8c4\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-37d3af9\" data-id=\"37d3af9\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-dc456de elementor-widget elementor-widget-spacer\" data-id=\"dc456de\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4d8c5f6 elementor-widget elementor-widget-heading\" data-id=\"4d8c5f6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Die M\u00f6glichkeiten<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c8882ec elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c8882ec\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-8b7598f\" data-id=\"8b7598f\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d41fade elementor-widget elementor-widget-text-editor\" data-id=\"d41fade\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>Die Abwicklungsgesellschaft erh\u00e4lt von der Gl\u00e4ubigerin die Provision\u00a0f\u00fcr den Zahlbetrag\u00a0und tr\u00e4gt nicht mehr das Risiko\u00a0eines k\u00fcnftigen Forderungsausfalls bei zum Beispiel vereinbarten Ratenzahlungen<\/li><li>Die Gl\u00e4ubigerin verbucht einen au\u00dferordentlichen Ertrag aus einer bereits abgeschriebenen Forderung<\/li><li>Das neue Kreditinstitut schlie\u00dft ein neues Kreditgesch\u00e4ft und eventuell weitere Finanzprodukte ab<\/li><li>Der Schuldner reduziert seine Schulden, erh\u00e4lt eine neue geordnete Finanzierung und wird somit wieder kreditw\u00fcrdig<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Der Ablauf \u00a9 Maxim Basinski\/123RF.COM Schritt 1Schuldner beauftragt HF, ein Sanierungskonzept zu erstellen, mit der Gl\u00e4ubigerin bzw. der Abwicklungsgesellschaft Kontakt aufzunehmen und eine Finanzierung zu vermitteln\u00a0Schritt 2HF nimmt Kontakt mit der Gl\u00e4ubigerin bzw. der Abwicklungsgesellschaft auf\u00a0Schritt 3Die Abwicklungsgesellschaft stimmt sich mit der Gl\u00e4ubigerin ab\u00a0Schritt 4HF nimmt Kontakt zu einem neuen Kreditgeber auf\u00a0Schritt 5Die Finanzierung wird [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"ocean_front_end_style_editor":"no","ocean_post_layout":"","ocean_both_sidebars_style":"","ocean_both_sidebars_content_width":0,"ocean_both_sidebars_sidebars_width":0,"ocean_sidebar":"0","ocean_second_sidebar":"0","ocean_disable_margins":"enable","ocean_add_body_class":"","ocean_shortcode_before_top_bar":"","ocean_shortcode_after_top_bar":"","ocean_shortcode_before_header":"","ocean_shortcode_after_header":"","ocean_has_shortcode":"","ocean_shortcode_after_title":"","ocean_shortcode_before_footer_widgets":"","ocean_shortcode_after_footer_widgets":"","ocean_shortcode_before_footer_bottom":"","ocean_shortcode_after_footer_bottom":"","ocean_display_top_bar":"default","ocean_display_header":"default","ocean_header_style":"","ocean_center_header_left_menu":"0","ocean_custom_header_template":"0","ocean_custom_logo":0,"ocean_custom_retina_logo":0,"ocean_custom_logo_max_width":0,"ocean_custom_logo_tablet_max_width":0,"ocean_custom_logo_mobile_max_width":0,"ocean_custom_logo_max_height":0,"ocean_custom_logo_tablet_max_height":0,"ocean_custom_logo_mobile_max_height":0,"ocean_header_custom_menu":"0","ocean_menu_typo_font_family":"0","ocean_menu_typo_font_subset":"","ocean_menu_typo_font_size":0,"ocean_menu_typo_font_size_tablet":0,"ocean_menu_typo_font_size_mobile":0,"ocean_menu_typo_font_size_unit":"px","ocean_menu_typo_font_weight":"","ocean_menu_typo_font_weight_tablet":"","ocean_menu_typo_font_weight_mobile":"","ocean_menu_typo_transform":"","ocean_menu_typo_transform_tablet":"","ocean_menu_typo_transform_mobile":"","ocean_menu_typo_line_height":0,"ocean_menu_typo_line_height_tablet":0,"ocean_menu_typo_line_height_mobile":0,"ocean_menu_typo_line_height_unit":"","ocean_menu_typo_spacing":0,"ocean_menu_typo_spacing_tablet":0,"ocean_menu_typo_spacing_mobile":0,"ocean_menu_typo_spacing_unit":"","ocean_menu_link_color":"","ocean_menu_link_color_hover":"","ocean_menu_link_color_active":"","ocean_menu_link_background":"","ocean_menu_link_hover_background":"","ocean_menu_link_active_background":"","ocean_menu_social_links_bg":"","ocean_menu_social_hover_links_bg":"","ocean_menu_social_links_color":"","ocean_menu_social_hover_links_color":"","ocean_disable_title":"default","ocean_disable_heading":"default","ocean_post_title":"","ocean_post_subheading":"","ocean_post_title_style":"","ocean_post_title_background_color":"","ocean_post_title_background":0,"ocean_post_title_bg_image_position":"","ocean_post_title_bg_image_attachment":"","ocean_post_title_bg_image_repeat":"","ocean_post_title_bg_image_size":"","ocean_post_title_height":0,"ocean_post_title_bg_overlay":0.5,"ocean_post_title_bg_overlay_color":"","ocean_disable_breadcrumbs":"default","ocean_breadcrumbs_color":"","ocean_breadcrumbs_separator_color":"","ocean_breadcrumbs_links_color":"","ocean_breadcrumbs_links_hover_color":"","ocean_display_footer_widgets":"default","ocean_display_footer_bottom":"default","ocean_custom_footer_template":"0","footnotes":""},"class_list":["post-995","page","type-page","status-publish","hentry","entry"],"_links":{"self":[{"href":"https:\/\/www.hf-kreditsanierung.de\/wp\/wp-json\/wp\/v2\/pages\/995","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.hf-kreditsanierung.de\/wp\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.hf-kreditsanierung.de\/wp\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.hf-kreditsanierung.de\/wp\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/www.hf-kreditsanierung.de\/wp\/wp-json\/wp\/v2\/comments?post=995"}],"version-history":[{"count":8,"href":"https:\/\/www.hf-kreditsanierung.de\/wp\/wp-json\/wp\/v2\/pages\/995\/revisions"}],"predecessor-version":[{"id":1103,"href":"https:\/\/www.hf-kreditsanierung.de\/wp\/wp-json\/wp\/v2\/pages\/995\/revisions\/1103"}],"wp:attachment":[{"href":"https:\/\/www.hf-kreditsanierung.de\/wp\/wp-json\/wp\/v2\/media?parent=995"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}