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Top Slot Games and Sites: Singapore's Online Betting Gems

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In fact, the greatest chances of getting a housing wife loan online are by being a single parent (we'll cover that later in the article). In the branch or direct bank of your trust, on the other hand, you will have great difficulty getting a corresponding loan. We would like to show you what are the decisive reasons for this.
Reasons why single parents find it harder to get a loan from Haubank
Branch banks usually do not grant loans to single parents due to creditworthiness problems . In their eyes, the credit repayment ability is not sufficient.

Most banks calculate those using the following formula:

All expenses of any kind (food, rent, electricity, savings reserves, etc.) are deducted from the monthly income.
In addition, the potential credit rate is subtracted.
Now there must be an average surplus of 150 euros (value of most savings banks), but at least 100 euros.
Income from single mothers leads to problems in calculating creditworthiness
For single parents, the expenses for the child are also deducted .

This leads to the following problems, which you should know about:

Child benefit must not be booked as income
Maintenance for the child must also not be booked as income. However, some banks offset this against the child's expenses
Unemployment benefits I and II are also not recorded as income, the same applies to social assistance for the child
Banks are also planning an additional risk factor for part-time jobs because there is a risk that the job will have to be abandoned for childcare
Banks: Guarantees and guarantees as a prerequisite when applying for single parent loans
As a single parent, car loans for single mothers you can only get a loan from a bank with a guarantor. It is also often required that it is a full guarantee: the guarantor must agree to repay the entire loan if necessary.

In theory, there is also a chance that you will get the loan through collateral. For example, you can mortgage property . In practice, however, it has been shown that most single parents do not have the necessary guarantees.

Even if this is the case, a surety advisable: if the repayment fails, you will not immediately lose your home in this way. The use of home ownership should therefore only be the very last resort.

The interest on a loan given to single parents is usually slightly higher without a guarantor. This finding generally applies. Every lender knows about the increased risk with a corresponding lending and hedges it with higher interest rates.

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