A loan during pregnancy – is that even possible? The answer is very clear: YES .
Because a pregnancy should not prevent anyone to make his life as it pleases. Even though borrowing has to go some unusual ways.
New life – old worries?
When new life arises, this is a very nice moment. Above all, for expectant parents who would like to share their happiness with the whole world. It’s probably the same with you.
At the same time, many expectant parents are also worried. Because the addition of the family not only brings joy, but also many purchases that have to be made and paid somehow. From the cot to the clothing everything has to be prepared for the new earthlings. Not infrequently, these preparations include a move to a larger apartment and the purchase of a larger car.
Quick financial worries arise, which are perhaps already well-known, because financially speaking lately was not so good, so that no savings are available. In such a situation, credit can be a faithful companion during pregnancy.
Just go to the bank?
Now, such a pregnancy brings with it various physical changes. Your belly is growing – often not only of women, but also the expectant fathers – and you will eventually see the pregnancy clearly. Banks are always a little sensitive to such signs. You know that once you’re pregnant, you’re not working and you’re lacking income.
In addition, you can not tell when you will be back to work. Even if you can already imagine your re-entry into professional life. Nobody knows how your child and your personal situation develops. Therefore, banks are reluctant to grant credit during pregnancy.
In order not to have to live with a cancellation, you should therefore not just take the credit during pregnancy at a local bank. Search for offers on the Internet. These are abundantly represented there. With an online loan you can not see your stomach. Nobody knows that you are pregnant. Therefore, you can not be denied credit for this reason.
Who can take the loan?
If you work with small tricks, the credit can be taken during pregnancy by the pregnant women themselves, but also by the expectant father. depending on who brings the better conditions for borrowing.
Regarding the conditions, however, attention should not only be paid to pregnancy and income. Also, the loan amount and the loan type are interesting. The higher the loan amount, the more likely it is that the bank will demand a guarantor. Therefore, it may even happen that both partners have to take the credit together.
With regard to the type of loan, it is necessary to pay particular attention to earmarked loans
Credit during pregnancy – requirements
Good conditions increase the chances of a good loan offer. This should be well known. As a potential buyer, you should present yourself as solvent as possible to the bank. Make sure you have a steady income, pay attention to a positive Schufa and avoid debt that you can not pay. This will help you avoid unnecessary questions and hide the pregnancy even better.
In addition, a good credit rating brings with it the advantage that you can use particularly favorable credit offers. You therefore only have advantages if you have good credit conditions.
Credit during pregnancy – preparation
Do not borrow money without comparing different offers in advance. For a loan during pregnancy you should ask yourself what you need the money for and how much it should be available. Also think a little bit towards the future.
There may be further investments for the baby in the near future, which will also have to be funded with the help of a loan. If you can do it all with a loan, you will save unnecessary costs.
Then compare different offers with each other. Pay attention to the effective interest rate and flexible repayment options. Also, the service of the bank and the conditions that are set for you to borrow, can be crucial in the comparison.
Credit during pregnancy – intake
When taking out the loan, make sure that the monthly installments remain manageable. It will not do you any good if you set this high to get rid of the loan quickly and in the end have too little money left to live. Always remember that you are parental leave after maternity leave and have significantly less money available during this phase.
Even if your partner earns well, the budget of the entire family is limited. If you want to take credit as a pregnant woman alone, then you always opt for an online loan. So nobody sees your pregnancy belly and you do not have to explain it. Look for offers that are relatively flexible and can be adjusted again during the runtime in case of emergency.
In addition, take only as much money as you really need. If you go back to work and your financial budget increases, you can still make more investments. Her little sweetheart does not care how expensive his cot or pram was. He wishes relaxed parents who have no financial worries.