Since housewives are not SSI employees, it is not possible to use credit under normal conditions. However, the progressive development of the credit rating algorithm with the banking system and a much more place in credit application evaluations have revealed some exceptions. Therefore, thanks to these exceptions, housewives have started to use loans.
Nevertheless, it is important to remind that before submitting an application to the bank and credit products in question, it is absolutely necessary to have a credit rating. For this reason, before touching on the banks that give loans to housewives, it will be briefly mentioned how housewives can create a credit rating and upgrade it.
The Method Of Creating A Credit Rating For Housewives
Housewives cannot provide any valid data other than a verbal declaration to the bank about their financial volumes due to the fact that they have not previously worked in any job and have no SGK records. A dilemma will occur because banks are also known to need data on loan applications.
In this case, the housewives should try to create a credit rating rather than try to make a loan by verbal declarations or by taking a loan over her partner. It will also do this through blocked secured credit cards .
Many banks, especially Good Finance Bank, offer blocked credit cards. In order to obtain such cards, the amount of cash required must be deposited into the deposit account and blocked. The Bank will approve this application, which it deems risk-free, as it can collect the card debt from the blocked account in case of any negativity.
Due to the use of this credit card for a while and the regular payment of the debt, a high credit score will be obtained and the loan applications will start to be approved.
Banks that give loans to housewives
After creating the credit rating, the housewives should only submit applications to the loans of the banks that concluded the loan application after evaluating them according to the credit rating.
These banks are the banks that can apply for credit online. Therefore, housewives must make loan applications online and allocate their loans without having to declare income documents or go to the branch.
Good Credit Necessity Loan
Good Credit, digital banking venture in Turkey Economy Bank and is fully available via digital media. Therefore, it is suitable for housewives who want to submit a loan application. It is possible to take advantage of the website or mobile application of Good Credit, which meets the cash need of up to 30 thousand USD with a maturity of 60 months.
In case of application of a general-purpose loan of 15 thousand USD, with interest payments ranging from 1.44% to 1.54%:
- 1395 USD per month for a 12-month term, a total of 16.740 USD,
- 769 USD per month for a 24-month term, a total of 18.456 USD,
- 574 USD per month for a 36-month term, totaling 20.664 USD,
- For a 48-month maturity, a payment of 474 USD per month and a total of 22,752 USD are required.