When the birth of a child is imminent, it is generally a joyous event. Especially for pregnant women are on a lot of new and important purchases. A loan in pregnancy would be just right. However, after the birth, once the income drops, and that’s what the bank does not like to see. After all, the loan installments should be paid on time. A child is definitely associated with overtime. Professionally, the woman can not be as committed then as before the pregnancy.
Do not conceal the pregnancy
As Rule No. 1 may apply: The pregnancy should not be concealed at the appointment with the bank adviser. This could be interpreted as a fake of false facts, but this varies from case to case. When it comes to money, it is always advisable to be honest. If loan agreements already exist, it makes sense to inform the bank about the pregnancy.
As a rule, the loan agreements oblige the customers anyway to always indicate changes in the personal and economic conditions. Thus, it may also be possible to reach an agreement of the financial institution, should the existing credit during pregnancy and after birth not be served as before. Some banks cut the rates without any problems out of goodwill or even suspend them for a certain amount of time.
Can service older loan rates
The bank adviser will ask critically about a new loan, especially if loans already exist. What are the monthly installments? How long will the existing loans have to be paid off? If the burdens are already very high, it is certainly not appropriate for bank and customer to apply for another loan during pregnancy. Because it is not foreseeable that the installment payments can really be handled.
Loans in pregnancy with smaller amounts
As a rule, it is possible to take small loans during pregnancy. This baby accessories or nursery can be easily financed. The rates are usually designed so that they can be paid off without any problems. For example, credit bankive allocates sums of $ 2000.00 to $ 70000.00 rather cheaply.
The interest amounts to 2.99 USD to 12.99 USD. A free special refund is possibility. The term is twelve to 84 months. Targobank grants small loans on similar terms. However, it is best to take a loan in pregnancy with your partner. If he has a regular income, lending is not a problem in itself.