Pregnancy naturally changes the life of the pregnant woman and her environment considerably. The birth of a child is always a deep cut in your own biography. But in addition to many moments of happiness, many parents-to-be also think about the financing of the child. The support from the state is often not sufficient to carry out all important errands beforehand. After all, there is only child and parental allowance from birth. But the room, the stroller and other things have to be bought in advance.
A baby is not cheap
Especially when couples are expecting their first child, the purchases that have to be made in advance should not be underestimated. Because the baby must have its own bed, a changing table, a wardrobe, a stroller and many other accessories. Vials, baby bathtubs, bed linen and the like may not be too expensive in themselves, but in total many parents are surprised at how much money you have to put on the table for all of this.
It will of course be even more expensive if a move is due due to the new family member. Often, these cumulative costs can only be paid with the help of a loan. But is it possible to get a loan during pregnancy?
Most banks grant a loan during pregnancy
Most credit institutions first check the creditworthiness of their customers before they are issued. Without a negative Credit Bureau entry, the chances of getting a loan are pretty good at first. For pregnant women who have a permanent job, there should be no problems with lending. On the one hand, they are protected against dismissal, on the other hand, they can expect to have at least 67% of their last net salary as income after birth.
This parental allowance is only paid for one year, but if the loan amount is not too high, a manageable term is often possible. With a sum of 5000 dollars, for example, you pay almost 300 dollars a month, which would pay off the interest in one and a half years. For most banks, this time and these sums are so manageable that nothing stands in the way of credit even during pregnancy.