Loan can also be taken out without a co-applicant
Housewives also have wishes and plans that can sometimes only be made possible with the help of a loan. The conditions that housewives have for such a loan are not necessarily optimal. They do not have their own income and do not have a regular job.
Even if they receive household money from their husbands for their household chores, this does not count as income and is not recognized as such by the banks. If there is also the fact that the Credit bureau is bad and should not be asked for the loan if possible, the chances of a loan are actually zero under such conditions. Because a credit for housewife without Credit bureau is not granted by any reputable credit institution in Germany or abroad.
Improve the conditions
Despite all of this, you don’t have to give up and you can also take advantage of the small opportunities that are available for a loan for a housewife without Credit bureau. So you can increase the chances of getting a loan if you look for a co-applicant. At best, this is the husband, since you can assume that he has a good income because he earns the money for the family. If the conditions for the husband are not so good or if you do not want to tell him about the borrowing, you can also look for another co-applicant. Perhaps there is a suitable partner in the close family environment.
The housewife could also take on a part-time job for the loan. With a consumer loan, it is sufficient if you can prove an income of 400 USD per month. If the Credit bureau is then improved to such an extent that it no longer contains any negative entries, a consumer loan can also be taken out without a co-applicant.
If you are looking for a loan for a housewife without Credit bureau, you should not be blinded by offers that promise such a loan without support or improvement of the conditions. If you have a negative Credit bureau and also cannot prove any income, you cannot repay a loan. Because you can’t spend money that you don’t take in advance. This is a very clear and simple rule from the financial sector.