There is a simple reason for this: if you take out a loan in a branch, the bank incurs additional costs for the staff and the branch. The banks check the creditworthiness of the guarantor and the creditworthiness of the borrower. In addition, the advisors help to compile the documents to be submitted to the lending bank. Why then do the banks intersect with installment loans, and may they even do that? Why then do the banks intersect with installment loans, and may they even do that?
Who grants a loan despite parental allowance?
I really need a loan. My wife is on parental leave and she receives parental allowance. Nevertheless, the capital is very poor, so we ask for a loan despite parental allowance. When a loan is granted and the parental allowance is credited. All of this is new territory for us, and that’s why we turn to the discussion forum here.
What about a loan? You earn quite well, my net income is 1350 EUR and the parental allowance. That should be enough for a loan, right? The income is sufficient because it is above the lump sum. In order not to get over the monthly installments, you should first deal with a credit calculator.
If these are too high for you, then choose another time. The amount of the parental allowance can only be calculated pro rata. For almost all loans, the Scufa is searched. Excluded are the loans without Sufa, which you receive only through an intermediary. You can ask the sheufa on the net for a self-ad, so you get your Sheufascore.
If this is okay, you can resolve a installment loan. Otherwise choose a loan without Schufa (editorial link: www.kredit-ohne-schufa. De). Recommended, even with a SCHUFÄINTRAG you have good prospects there. There are many families who think the same way as you, because the cost of children is really not to be underestimated.
Those who claim credit together should not be an obstacle, as one of them has dependent employment and earns one. Now it’s about how much the salary is compared to the monthly expenses. If this measure is healthier from the perspective of the lender, it should not be a problem.
However, if the bank says that there is a big difference between income and outlay, it could be difficult. It would be best if you calculated everything very precisely in advance and would also seek to obtain additional creditworthiness, such as a third party guarantee. Parental benefits are not considered by the credit institutions as income.
Your net income would be enough for an individual, but unfortunately, because you have to take care of 3 people, it’s too low. You can only get a loan if you find a guarantor. In Germany, parental allowance is considered as income tax exempt and as state compensation for lost wages. For this reason, the revenue is also paid in a loan application considered.
That counts, but only if the loan is used by both as an applicant. Otherwise, only the salary of the father is taken into account, which should place the credit application as a higher earner. Because parents are only temporarily limited money, if it is not about the parents’ money is considered, since the payments are granted a maximum of 14 months.
Determine the credit volume in a realistic timeframe.
I simply let my father-in-law submit a loan. Look up credits for free special redemption, so with Smart (left of the editors: www.smava.de) and agree what more than the sentences to be deleted owe, but also thanks to parental allowance, use as specials to replace the credit in the shortest possible time, rotate. Creditend is a credit market where you can take out a loan together with your wife.
The funds for the loan will be provided by private investors and selected financial institutions. Therefore, this type of loan is often referred to as personal loan or personal loan. You can get your credit completely relaxed from home. But also on the credit market will tolerate slightly negative features. When your loan application is online in the marketplace, you get a variety of loan offers.
You can now choose the vendor for whom you are eligible. The inclusion of the loan should not be an obstacle. On the other hand, your wife will not pay the loan. The parental allowance does not count as salary, but as social assistance. You can not complete a loan with a benefit. That’s not enough for a host family with a child.
This puts you under the seizure money so that the bank will probably reject your loan application. If you still want to put it into practice, then you will find a financially strong escort to look after and accept you when taking out a loan. So you need a competitor signing the loan application with you.
However, this can not be your wife, because the competitor should be a personality who also has a fixed income. In the credit market, parental allowance is also considered income. You can borrow from Auxmoney from 1000 to 50000 EUR. The funds for the loans will be made available to private investors in the credit market.
With all your monthly income, in my opinion, you can break the border of seizure freedom.
But the surest way to do that is to use a loan calculator. Creditend would be such a loan calculator. If you enter the desired number, duration and the amount of the desired lending rates in the search field, Smart will help you with the search. There are several co-operation partners and one or more of these institutions will be identified who would offer you a loan offer.
Please note, however, that your wife’s parental benefit is only considered to some extent. To avoid unpleasant surprises, you should inform your bank before making a request and then apply to a bank. In the credit check, the parental allowance is not included as income because it is a social benefit.
I think it would be best if you contacted an experienced credit broker. Serious companies in this industry do not require prepayment, but their experience and good bank accounts often allow them to arrange a loan, even if they have tried it for themselves and fail.
A credit application is always free of charge and non-binding for these service providers. credited. You could submit a loan. Because your wife goes on parental leave, she probably will not be accepted as a competitor. It now depends on how high the loan should be. In addition, the bank will set up a budget.
No credit if the billing is wrong. The parental allowance is not counted because it is not available. I guess you have to solve the credit alone with your full-time job. You can check the web to see which loans are available. Therefore, the person receiving the parental allowance can not cancel the loan on his own.
You can link the loans together in the network. In this way, you can quickly find out where you should use the loan. rotate. Creditend is a credit market where you can take out a loan together with your wife. The funds for the loan are provided by private investors and selected financial institutions.
Therefore, this type of loan is often referred to as personal loan or personal loan. You can get your credit completely relaxed from home. But also on the credit market will tolerate slightly negative features. When your loan application is online in the marketplace, you get a variety of loan offers. Now you can choose which lender is right for you.
You can claim a small loan with your salary. The parental allowance can not be attached and is therefore not available as income. The amount of this loan will always depend on the general credit rating. Still, your chances of getting a loan are good. Your salary is high enough. However, you should make the request alone and without your wife.
He currently has no own revenue and is therefore not counted by the bank. Look at a website for credit comparisons and find out about suitable offers there.
Choose in the credit calculator the total, the duration and the payment slip. Because you work full-time, it does not matter if your wife receives a salary or a parent’s pension. The decisive factor is that you meet the requirements for a loan. You need a pure house schufa and your own earnings above the confiscation limit for an installment credit.
To what extent your salary is sufficient, I can not say with certainty now because you as a husband and father-in-law have entertainment obligations that reduce a salary. Therefore, it may be that your salary is lower. The bank may in this case reject the request for credit. Because your wife receives parental allowance, she has no money and no loan.
With your salary, you can raise a small sum of money. That will not be very high, because you honestly do not have that much salary. If the total amount is only a few thousand euros and you have no bank account, you can contact almost any bank. The parental allowance can only be taken into account insofar as your wife still has a permanent job.
This could then be another way to secure the loan. The parental allowance is not really counted as income because it is not liftable. But even the possibility that your wife has a permanent position, may be sufficient. The reputation will not be high. There is already little money and it may not be enough for a loan.
Your salary would in any case a loan of 1000 EUR possible. For many banks it is possible to obtain a loan with a guarantor or a second borrower. And then the door would be open to you for a bigger loan. However, you can not receive several thousand euros alone, as your salary will be just above the seizure money.
With a second wage as collateral, it would be very different for you and the creditworthiness would be greater.