How to get a loan without a husband
Many women are interested in a loan without a husband, because they want a degree of independence and independence. Often, however, a loan without a husband is chosen because a spouse already has credit obligations and thus is no longer creditworthy. These are examples of when a loan without the husband is desired. see theswallowatthehollow.com for more notes
What requirements must be met for the loan?
If certain conditions are fulfilled, then there is usually nothing in the way of a loan without a husband. A very important condition is already fulfilled if the woman is in a loan application in a permanent employment. Of course, a regular and sufficient income must result from this employment. The lenders calculate the information and revenue together and from the result the credit obligations should then be able to be serviced. With the lenders the income must be proven and thus salary statements are demanded.
The next important point is a positive credit bureau information without negative entries. The banks ask the credit bureau information and there should be no payment errors. Within Germany it comes with a negative credit bureau information to a credit rejection. Anyone who has a negative credit bureau information will have to try it through a Swiss bank. The banks abroad only check the income situation and no credit bureau is obtained. Should there be a negative credit bureau, then it plays no role in the loan without credit bureau.
A spouse can improve the credit rating
The credit situation becomes much more difficult if the woman is still looking for work or is only employed in the household. If there is no income as in these situations, then there is no credit from a Swiss bank. Banks always need sufficient collateral and do not want credit risk. When borrowing without a husband, it should also be clear that, in most cases, a spouse is also liable for any debt repayment with internal exemption and compensation claims. At this point, it is then spoken of the joint and several liability.
If the spouse actually wants to commit only to themselves, then the banks usually reject. If there were no rejection, then a lender would expose themselves to too high a risk. If a loan is approved for lack of income and despite the lack of funds, then this is invalidated and often immoral. The credit opportunities can be changed by securities or a property as collateral. The banks also accept a solvent sponsor who signs a contract with. The guarantor will pay for the liabilities of another person with unlimited liability in the loan without a husband.