Many people who are married wonder if it is possible to take out a loan without a spouse. The answer to this question depends on personal circumstances. Only if the borrower has a regular income and an impeccable private credit checker information does he have a chance of a loan without a spouse. Otherwise, the loan application can only be made together with the spouse.
There are several reasons why a spouse may want to make a loan application alone. Above all, it should play a role that he fulfills certain wishes and wants to stand alone for them. A loan without a spouse can almost always be used freely. An exception is the car loan, which is earmarked.
Anyone interested in a loan should not only rely on the offers of the house bank, but also consider various alternatives. Direct and internet banks often offer significantly better conditions than is the case with a branch loan.
Subjectively, Capital lender offers the optimal offer. The portal combines credit offers for every creditable level of personal creditworthiness. The portal’s free loan comparison includes low-interest loan offers from the entire range of offers. Up to the loan despite private credit checker would be found in this way. The highlight is that Capital lender does not charge borrowers a commission for the successful loan brokerage of bank loans via the loan comparison.
Serious credit without prepayment can only be approved if the lender is certain that the repayment will be made in accordance with the contract. In the event of over-indebtedness, seizure of income and lack of income subject to social security contributions, it is not possible to guarantee serious contractual compliance. Only in advertising do some loan promises sound completely different. We promise easy, straightforward credit, even in the most difficult cases.
Application, approval and repayment
Almost every bank offers the possibility to submit a loan application online. This applies even if the bank has a dense network of branches throughout Germany. In any case, the customer’s creditworthiness is checked in detail and private credit checker information is obtained in this context. A loan without a spouse can only be approved if the creditworthiness is found to be sufficient. Otherwise the applicant is asked to look for possible alternatives.
This can also mean that he has the spouse sign the loan application. A housewife or a person who makes very little money has almost no chance of getting a loan application without the spouse’s signature. If the income is sufficiently high and is paid regularly, there is nothing to prevent a loan payment. Anyone who has taken out a loan on their own must repay it on their own and cannot hold the spouse responsible for it. Every future borrower should be aware of this.