Children are our future. They should enrich every family, as it will be them who will earn our pension in the future and maintain our system. Unfortunately, the banks and many other institutions do not see it that way. For them, children are not a blessing.
Especially when borrowing families with children are punished. They only get a loan if they can raise a lot of collateral and a very high income. Therefore, a loan with 2 children is often only conditionally available. Namely, if you get help from outsiders and uses them as a co-applicant.
The requirements for a loan with 2 children
Despite all this, there are enough opportunities for a loan with 2 children. You just have to meet the requirements of the banking houses. Since parental allowance, child support and allowance are not regarded as income by the banks, they are not included in the calculation for the loan. It must therefore be seen that the pure income is high enough for borrowing. If that is not the case, a co-applicant must help out, otherwise no credit will be possible.
In addition, the private credit must agree to a loan. This only happens if it is positive. The co-applicant should also have a consistently positive private credit. If one then still can decide for a residual debt insurance, one fulfilled many conditions of the banking houses for a credit. The recording should be so much easier to go by the hand.
The comparison for a loan with 2 children
If you can meet the requirements of the banks for a loan, then it is important to find the best deal. The easiest way to do this is with the help of a comparison. In the best case, this is done on the Internet, since comparison computers are available here, which take over the work and compare the offers of many banks. If you wanted to do all this in “manual work”, you would have to plan weeks or even months. So the comparison is done within a few minutes.
The offers shown in this comparison are binding. Provided that the personal information you have provided is correct. If you have found a suitable offer, this can be requested directly. The reference calculator gladly establishes contact with the bank and refers to the corresponding application forms. If you fill these out and you provide them with the other documents for the application, the bank can examine the loan application and approve it quickly. Once this is done, the money is available within a very short time and can be used.
Two children are no reason to totally refuse a loan. Do not be irritated by the banks, but compare the different offers and ensure good conditions. Then the loan should not stand in the way despite the two children. Aruch not then, if the house bank may have already rejected. Always remember that there are many banks. Especially the direct banks are very modern and lend even if other traditional banks do not want this.