The credit ban of one of the spouses prevents the couple from borrowing two. To get out, either the spouse who is not stuck at the Bank in France borrows alone, or looking for a credit that does not depend on the FICP.
Make a loan with a spouse at the FICP
Borrowing two allows you to obtain a larger loan, necessary for a big purchase like a car, or a house.
Even if the couple has only one salary, the bank is perfectly aware that the co-borrower without income can work if needed.
On the other hand, if one of the couple is registered in the “Personal Credit Reimbursement Incident File” (FICP), the benefit of being two to borrow becomes a blunder, even if both have incomes.
It is then not useful to make the loan in couple, if possible. But what happens when we are married and want to buy the family home?
For those who have money again, the disking is not complicated: it is enough to repay the debt that caused the file and ask the Bank in France to lift the ban on credit. Easier said than done, but if it is impossible, then it is also impossible to make a classic home loan to two.
A solution, relatively simple, goes through what we explain in our article on the repurchase of credit FICP. It is a question of making redeem its debts by a credit organization. The amount of monthly payments will be reduced and tolerable for the couple, in exchange for a longer repayment period. With the debts bought back, the banks and credit institutions that caused the listing must therefore inform the Banque de France to lift the registration to the FICP.
Once unplugged, it will no longer be the FICP that will be problematic. If the spouses, partners or cohabitants are both on permanent contracts and the amount of the desired loan is reasonable, the bank should not pose too much difficulty when granting a credit. Unless we are still registered in the internal file of the bank.
If picking is simple to understand, borrow “alone” is another matter. There is no universal rule, just as there is no universal rule to be in a relationship, as we will see.
No credit when you are FICP, in couple or not to organize his insolvency to flee to his creditors. No need to change plans if the spouse is already enrolled in the FICP.
One might think that in the end, it would be better to divorce (while staying in a couple) to be able to make a credit alone without his spouse stuck. But here too, we must be very careful, many “ex” being forced to repay the debts of their former spouse.
Read also: “Debts of the former spouse” Credit fraud can be expensive, and misrepresentations are punishable by prison terms. It is better to avoid then to hide your real status, whether you are married, pacsé or single in concubinage. Article 220 of the Civil Code is clear:
Solidarity does not take place, however, for expenses that are manifestly excessive, having regard to the lifestyle of the household, the usefulness or uselessness of the transaction, the good or bad faith of the third party contractor.
Clearly, in case of dispute, the judge can fully consider that the car credit for a luxury car was not necessary for the family, especially if it is not rich.
The solidarity does not take place either, if they have not been concluded by the consent of the two spouses, for installment purchases or for loans unless they relate to modest amounts necessary to the needs of life current and that the cumulative amount of these sums, in the case of a plurality of loans, is not manifestly excessive in relation to the lifestyle of the household.
Once again, it must be understood here that only “small” credits, needed on a daily basis, are taken into account as solidarity expenses. Knowing what is a “small” or “big” credit is appreciated in terms of the standard of living of the couple and its income.
Whoever takes out a credit out of the family and reasonable, without the consent of the spouse, without his signature, “risk” to repay his loan alone.
The second solution is simply to ask a loan to relatives, to make a loan between individuals. In our article in link, we draw attention to the absolute need to make a credit agreement, even in family. Good accounts make good friends, especially since from a certain amount, it is obligatory.
No credit for a couple with a spouse at the FICP
The advantage of credit to two is to be able to assure the banker that in case of concern, a couple is stronger in adversity than a single person. Two small wages are often better than one big salary. In addition, couples, especially with children, tend to be more responsible for their expenses than singles who do not have people who depend on them.
But this advantage disappears if one of the two spouses has had difficulties in the past repaying a credit causing the FICP to file. This state of affairs shows the lender that a debt still exists and that the unwritten spouse is not in solidarity to pay it. Understandably, no bank will lend money under these conditions.
To be able to find a financing, it is then necessary first to clean up the situation of the couple, leaving the FICP. MarKet does not expect the use of a personal loan or a pawnshop for anything other than the deleveraging of the couple to get off to a good start. These last-chance loans should only be used if the couple has stable incomes.