Credit during pregnancy
A child is the greatest happiness that can give us life. However, there are countless costs associated with the offspring. Most people underestimate the level of spending on them. Already during the pregnancy numerous investments have to be made. However, you may find it difficult to obtain a loan during pregnancy to pay for it. We’ll show you how to get the money you need.
These are the problems with a loan during pregnancy
Three classic problems can arise with a loan during pregnancy. 1. You earn less money than before. The amounts you receive in maternity leave and then as parental allowance are lower. In addition, it is questionable whether you will return to your regular job again – at least full-time. 2. If you apply for the loan as a pregnant, there will always be the demand whether you are a single parent. This aggravates your economic problems despite the child support the father has to pay. 3. The child lowers your financial resources permanently. After all, it has to be permanently housed, fed, dressed and medicated. Even if you return to your old job fairly quickly, you will notice that your free salary is going down significantly. Incidentally, this problem also arises if you are not a single parent.
Get a loan during pregnancy over guarantor
One way in which you can get a loan as a pregnant woman – especially if you are a single parent – is via guarantors. For example, the child’s grandparents could act in an appropriate role. The same applies to uncle and aunt.
If you can not find a person who can or wants to act as a guarantor, you can also bring a non-cash bond – the so-called pledge – into play. For example, you can block part of your salary accordingly when you work again. If you own a vehicle or a home, it is also suitable in a corresponding manner. However, what you can not do is to have child support if you are a single parent. The same applies to the child benefit. Payments intended specifically for the offspring are specifically protected by law. They are seizure-proof.
A loan during pregnancy with multiple borrowers
The simplest case of getting a loan as a pregnant woman is that you do not apply for the loan on your own. There should be several borrowers. If this is the case and the other applicants have a good credit rating, you can usually get the money you want easily.