A pregnancy is a very good time for the parents-to-be. New life grows up and the “Nestbau” determines everyday life. A loan during pregnancy is not uncommon.
Because the new earth citizen wants to be duly received. Clothes, children’s rooms and other accessories cost a lot of money.
Money is always a big topic, especially among young people. Saving is not quite as hip and usually not possible. At a young age, incomes are not quite as high. In addition, many young people want to enjoy their lives. And that works only when money is invested.
Once a pregnancy is in the house, the joy is great once. Gradually mixed with joy but also the fear of how everything should be financed. Baby equipment is expensive. Even if much can be bought used. In addition, in many cases, a larger apartment must be purchased. Additional costs, which can quickly add up to several thousand euros due to the move.
The factor money is therefore a very big issue in pregnancy and a loan during pregnancy is not uncommon. When taking the loan, however, there is a lot to note.
Credit during pregnancy – special features
Anyone who is pregnant will only be able to pursue regular work for a certain period of time. Shortly before and after birth maternity protection applies. In addition, maternity leave usually follows after maternity leave. Revenues earned during this period are not considered as income for the banks.
They are, in their eyes, only incomes that can not be considered as safeguarding a loan during pregnancy. It is therefore important to secure the loan during pregnancy very well or to record with the help of a small list.
For example, if the loan is requested online during pregnancy, the bank does not see that the borrower is pregnant. The bank does not know that there will be no income in the near future. With a good credit rating, the loan is awarded.
Even the partner of the pregnant woman could take the credit. As far as a decent income is present and the private credit does not move in the negative area, nothing should speak against it. Finally, it would also be possible to secure the loan with the help of a solvent guarantor. Just as you wish.
Set loan amount and compare
A loan during pregnancy is therefore an option that can be put into action. Before the recording, however, the different offers should be compared. Our comparison calculator helps and shows the details of the respective loan offers.
For the comparison, the desired loan amount and the term are needed. In addition, it should be considered whether a particular purpose is needed. If the loan is taken for free use, the bank does not need to know where the money is going. An additional protection to keep the pregnancy from publicizing the bank.
At best, the credit rates are not set too high. Then, even with the parental allowance, it is not too difficult to settle the loan regularly and in full.