German Phrase
Bei manchen Krediten braucht man Sicherheiten.
Meaning
The sentence means ‘For some loans you need collateral.’ It points out that not every loan requires security, only certain types or amounts.
When to use
Use this phrase when discussing loan conditions with a bank representative, a financial advisor, or in everyday conversation about borrowing money.
✦Grammar Breakdown
BeimanchenKreditenbrauchtmanSicherheiten
Preposition ‘bei’ + Dativ
‘bei’ always governs the dative case; therefore ‘Krediten’ is dative plural.
Indefinite adjective ‘manchen’
‘manchen’ is the dative plural form of ‘manch‑’, used with a plural noun after a dative preposition.
Verb ‘brauchen’ (3rd person singular)
‘braucht’ is the present‑tense 3rd‑person singular form; the subject is the impersonal pronoun ‘man’.
Accusative object ‘Sicherheiten’
‘Sicherheiten’ (collateral) is the direct object of ‘braucht’ and therefore stands in the accusative plural.
🗨In Conversation
Muss ich bei jedem Kredit Sicherheiten stellen?
Do I have to provide collateral for every loan?
Bei manchen Krediten braucht man Sicherheiten, bei anderen nicht.
For some loans you need collateral, for others you don’t.
✕Common Mistakes
Bei manchen Krediten braucht du Sicherheiten.
‘braucht’ must agree with the impersonal subject ‘man’; use ‘braucht man’ not ‘braucht du’.
Bei manchen Kredit braucht man Sicherheiten.
‘Kredit’ must be in dative plural after ‘bei’; the correct form is ‘Krediten’.
Bei manchen Krediten braucht man **die** Sicherheiten.
‘Sicherheiten’ is the accusative object, not a prepositional phrase; no article needed unless you want to specify.
↔Alternatives
Man benötigt bei bestimmten Krediten Sicherheiten.
One needs collateral for certain loans.
Einige Kredite erfordern Sicherheiten.
Some loans require collateral.
Bei bestimmten Darlehen muss man Sicherheiten hinterlegen.
For certain loans you have to deposit collateral.
Cultural Tip
In German banking, ‘Sicherheiten’ can be anything from a property mortgage to a personal guarantee. Smaller consumer loans often have no collateral, while larger business loans usually demand it. Using the impersonal ‘man’ sounds neutral and is common in formal advice.