A loan during pregnancy is only possible under certain conditions, because in the further course of the financial situation can turn out to be uncertain. The house bank or other credit institutions are anxious to demand appropriate collateral for a loan commitment in such situations.
Options for loan approval during pregnancy
In the course of pregnancy, the prospective mother enjoys maternity protection, during which time the salary is granted through automatic protection against dismissal during maternity leave. After the childbirth, the parental allowance comes in a reduced amount against the salary and subsequently the financial circumstances are uncertain. There is no guarantee that the woman will return to work after a fixed break.
If you have a full-time job that has a good salary and the bank account history has been positive, you may be eligible for a loan during pregnancy. However, the house bank is concerned about security and a loan application with the partner or husband as a co-applicant increases the chances of a loan commitment. The second option would be to present a guarantor who is available with appropriate creditworthiness to be taken on duty in an emergency.
Another possibility would be the claim or the extension of the disposition credit at the house. This variant could lead to a mutually satisfactory solution due to the possibility of flexible repayment of the credit line without a fixed installment agreement. With a disposition credit, you do not run the risk of failing to meet your monthly installments. You only have to pay attention to the disposition frame.
The loan commitment for the maximum loan amount
The loan commitment for a disposition credit or an extension of the disposition credit may amount to twice the amount received in the account. With an average net salary of approx. 1000 euros a disposition credit would be made up to a maximum of 2000 euros. In the case of an installment loan with a co-applicant or a guarantor, the possible amount of the loan must be assessed differently.
With low incomes a credit line of 500-1000 euro would be possible and with a middle income a loan promise would be possible up to an amount between 3000-5000 euro. If you are married and your partner is a very good earner then you can borrow up to 20,000 euros if you have a stable income for both persons. However, this assessment is based on the fact that the credit information and the credit check appear flawless and a repayment of the loan can be made without financial bottlenecks. Under these conditions, a loan may be granted during pregnancy if the co-applicant receives a good financial assessment.