So you get a loan for housewife
Getting a homemaker loan is usually not easy and depends on a number of factors. For each loan, including a credit for housewife, the proof of a regular income according to the desired loan amount is required. Likewise, it is common for most financial institutions that a credit bureau query is obtained when a loan request.
In addition, depending on the amount of the loan amount and depending on the income, collateral may still be required by the respective financial institution to grant a loan. Collateral can be, a property that has as little as possible no more burden, a capital-forming life insurance, which has a desired loan amount correspondingly high coverage or a securities deposit, the amount of which also corresponds to the desired loan amount.
Now, a housewife seldom has her own income, so in most cases the banks and savings banks can not give credit to housewives because of the above-mentioned rules for granting a loan. Unless the housewife or the householder can prove collateral, in which case there is still the problem with the regular income and the associated installment payment. Finally, a loan for a housewife can only be applied for if the spouse also signs the loan application and pays his income for the monthly installment.
This is in itself a degradation of the dignity of every housewife, but also understandable on the other side, because financial institutions are ultimately obliged to minimize the risk of lending as low as possible. Nonetheless, there are some financial institutions and various online credit intermediaries that offer a homebuyer credit, which in itself is more of a retail or consumer loan. As a rule, there are loan sums between 1,000 and a maximum of 5,000 euros, which only have to cover the purchase of a new washing machine, for example.
Quickie Loan offers loans from a loan amount of 1,000 euros with a term of between 12 and 84 months. The interest rate is fixed throughout the life of the loan, and the APR is between 6 and 13 percent, depending on the creditworthiness of the borrower. A credit for a housewife at Quickie Loan has no processing fee and both special repayments and special repayments are possible at any time.
Bon Kredit is an online loan broker with many years of experience. Here, a loan is available from a loan amount of 1,000 euros with a term between 12 and 120 months at an annual percentage rate of between 4.90 and 16.90 percent.