The bank will be happy to hear from you and your partner. Certainly if you both have a permanent job. It is important for a bank to keep the risk in new customers as low as possible. A bank would rather lend to someone who can repay the loan with certainty than a case where that would not be the case. As a couple and both working, you have better papers. It is therefore sufficient to show wage sheets for the last few months. The bank sees this as sufficient, namely your net wage and the employer’s details.
Step 1: consult the internet
The way to get a loan remains the same whether you are alone or with two. You can go to a bank branch and request the necessary information there. Take out the loan immediately, but you may miss a lot. The fact is that banks differ in terms of costs for a loan. You can compare that more easily if you search via the internet. Because there you can also read all the information. And handy is that you can also simulate a loan there. Then you immediately see how much a loan will cost you every month.
Step 2: do online simulations
So stay at home and take the computer with you. Surf to some websites of banks and click on to the loan simulation tool. Choose the type of loan and enter the amount you wish to borrow. Also choose the number of months or years to execute the payment. With this data you immediately get a result in front of you. It could hardly be more convenient.
Compare now by surfing to other sites so that you can set up a good comparison. The less you have to pay for a loan, the better of course. In very little time, you therefore quickly have an overview of the banks that are most interesting. That does not always have to be your regular house bank. It might just as well be a bank that you don’t know, but that does have a good offer.
Step 3: take out a loan
If you wish to take out the loan as a couple, you must enter both your details. This is about the name, place of residence and other details. From then on, the bank will have to wait for an answer. If both of you can submit a permanent job and have no financial problems, you can probably expect a positive response. To complete the application, both partners must sign. Then the bank deposits the money in the account or goes to the seller of the service or product.