Housewives or women who do not have a job but who stay at home to take care of it, do not have an economic gratification for what they do every day. Due to the lack of monetary income, it can be difficult to obtain a loan from a financial company or bank, should the need arise, even if the amount requested is negligible. There are, however, “loopholes”, that is, opportunities to obtain a loan, let’s see how.
It is essential for a housewife to present guarantees when applying for a loan. Since there is no economic guarantee (such as a paycheck, for example), alternative guarantees must be chosen. Usually, the most presented guarantee is the guarantee or the commitment by a third party (usually the husband or a family member) to repay the installments of the loan in the event that the housewife does not fulfill.
Another guarantee could be that of renting a home. They are in any case money that enters (or should enter) constantly, month after month, therefore they can be a sufficient guarantee to apply for loans for housewives without income.
No to bad payers
Since the main income is missing, the key to the success of the request is that of not being registered as a bad payer, neither for the housewife herself nor for the guarantor guarantor. If this condition is met, the chances of success in the request are greater.
On the contrary, if you are registered in the register of bad payers, here’s how to be able to obtain the cancellation.
Online loan quotes
Requesting quotes directly on the internet is one of the things to do when looking for loans for housewives without income. Of course, the research could be long, given that not all financial companies grant such loans (due to the lack of income by the main debtor) but an attempt can always be made. Among the various options, you can also try prestitionline.it and supermarket loans.
The loan request form is very easy to fill in, just give your personal data, indicate the amount requested and provide information on any guarantees offered.
Alternative: Revolving cards
An alternative in the event that it is not possible to obtain a sum of money on loan is that of revolving cards. These are credit cards granted by a bank with which it makes a certain sum of money available to the applicant, usually up to 1,000 or 2,000 USD. This amount can be spent as you see fit and will then have to be repaid in monthly installments, the amount of which also includes a certain interest rate.
Among the advantages, certainly that of being able to have a sum of money on credit to use, even every day.
Among the disadvantages there is certainly the final cost of this solution. Revolving cards, in fact, are known for not being the most convenient solution when it comes to loans, since the APR (effective rate paid on the sum borrowed) easily exceeds 20%.