How to get a loan without a spouse
There may be some reasons why some people seek credit without a spouse. For example, some spouses do not want the other to know about the activities. It can be a holiday that was financed on its own. Normally, however, the couple make this decision together. The loan without spouse is often chosen only so that a partner has no financial obligations.
What is the loan without a partner in marriage?
At first, for the lenders, marital status is secondary. In the first step, the creditworthiness of a prospective client is always important. A borrower must not have negative credit bureau entries, he needs sufficient collateral and must be able to easily pay the repayment installments. Thus, of course, a regular income from a permanent position is required. Those who choose a normal loan installment usually only have to show salary statements. Only for larger loan amounts, for example, a guarantee is required as collateral.
If there is a negative credit bureau entry for a loan without a spouse, then it usually comes to the credit rejection, because in Germany, this is the most important requirement for the grant. Anyone who wants a loan despite the negative credit bureau, will have to try this over a foreign bank. In the so-called Swiss credit is waived the query of credit bureau. But even here, a regular income must be demonstrated so that the loan can be approved without a spouse.
Are there special offers for a loan without a spouse?
At the present time, some providers advertise directly with this loan. Usually, spouses are addressed who only have a low salary. In advertising, it is said that a wife can get a loan without the knowledge of the man. In part, a minimum income and a separate employment of the woman are required. However, the loan amount is limited at this point and thus it belongs to the normal budget financing.
Does it make sense not to involve a spouse?
As a rule, there should be no secrets about financial transactions and relationships in a marriage. Anyone who is married and looking for a loan without a spouse, should think about whether this makes sense. Of course, it can be tried to conceal a major funding, but the justification will remain in the room. To give an example at this point, a husband, of course, can fulfill his dream of a sports car, for example. However, there can be no concealment here, because both spouses have to pay for it.