The life of a modern man is unpredictable. Therefore, unforeseen situations sometimes occur. Those who cannot be avoided under any pretext. These incidents often involve expenditure. For example, the onset of a serious illness of someone close. Or just a future farewell to the other half. Especially the many problems that such a situation brings to people with young children. Especially women.
Additional costs will come to your credit on maternity leave. It’s hard to believe, but this service cares a lot. Can I count on her? And how to get a loan for childcare? The answers to all this (and not only) can be found below. In fact, with proper preparation, everything will be easier than a citizen thought.
Can I get a maternity leave loan?
It is difficult to answer this question. First, find out what is called a decree.
Usually, the care period for the child is described. The woman goes on vacation shortly before birth to prepare for the birth of the child and receive benefits from the employer. After the birth of a newborn begins the so-called Decree – the period of up to 1.5 or up to 3 children. It is assigned so that the mum or other close person can always be in the vicinity of the child.
Citizens have fixed monthly payments. They are either issued by the employer depending on the salary for the last 2 years or are charged by the state. This is the regular income of a maid. He is different – just as miserable and very kind. But can someone take a loan for maternity leave?
General terms and conditions of loans
The answer to this question is not easy. The decision is taken individually. And the loan is issued depending on many factors.
To begin with, we will learn the basic requirements for the borrower. Banks most often require:
- age from 18 years (more often from 21 years);
- with a good credit history;
- the absence of arrears at the time of application;
- availability of a permanent source of income.
Based on these requirements you can conclude that the maternity leave loan is real. By law it is. But in practice, they are not very satisfied with dolls. There are reasons. For example, a high risk of the debtor’s insolvency.
Which bank provides maternity leave? The answer certainly won’t work. By law, all financial institutions may issue a loan to a person caring for a child. However, as we have said, citizens often face a denial of service. Sometimes this decision is justified.
This is not a complete list of financial organizations providing loans to people on maternity leave. In general, you can contact any bank with an appropriate request. The company’s employees may not be denied service.
Types of loans
The purpose of lending, of course, plays an important role in solving the problem. Assign different types of loans. And some of them are available to almost every person, even motherhood.
- hypotéka – for housing;
- Consumer – for current small expenses;
- urgent – for different needs urgently;
- on Business – for the development of their small businesses.
In addition, you can select credit cards. They resemble consumer loans, but they are easier to obtain. Maybe that’s it. Each type of loan has its own characteristics.
Types of motherhood
Do they give credit on maternity leave? Generally yes. Everyone has a chance to get a loan at any bank. In theory, the borrower has a source of constant profit – benefits from the employer or the state.
In addition, close relatives of the newborn are divided into several types. Namely:
- the person is officially employed, receives benefits and works part-time;
- the citizen is employed, has a contribution, does not work;
- the debtor has no job, the contribution is issued by the state;
- the applicant has his own business and combines it with revenue.
In the first and second cases, you can not borrow to care. Probably almost 100% will be issued. Moreover, as practice shows, any. The second category of people will be less successful. And as you can guess if a person receives benefits from the state, then they are unlikely to lend him. Although there are exceptions. For example, if you can prove the urgency and importance of lending.