Hilfe
Hello everyone,
Its been here in Germany for a couple of months. Im married with a german national for a year already. What confused me now is..He wants me to undersign (signature) his current credit in one of the bank saying :
" Please include my wife in the contract that I have..." This credit has been actually occur before we get married. Is this a law here that needs to follow? Am I oblidge to pay this credit where i know that this is my husband credit since he was a bachelor?
Please someone help me to understand this.
OBLIGATION signature
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#2
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Geschrieben 13 November 2009 - 06:21
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Is this a law here that needs to follow?
No!!
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Geschrieben 13 November 2009 - 06:52
I don't get the point here. How someone could ask for an additional signature on a contract that is in already? Whats done is done.
But if it is a matter of a prolongation or a new contract then a guarantee might be required by the bank (not the law).
But if it is a matter of a prolongation or a new contract then a guarantee might be required by the bank (not the law).
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Geschrieben 13 November 2009 - 08:47
I think we need more information to answer your question correctely.
What kind of cridit is it? When it is for a flat or house wich you use as family home - there can be the need for both to sign - but it depends the situation.
What i cannot understand is that you ask this question here and it seems that you don't even know exactly the object of your question. You understand what i mean?
You should ask your husband about the nature of this credit and he should explain you why he wants you to sign.
PLease diskuss first with your husband, aks him as long as necessary until you understand exactly what is happening - then you can decide what to do or ask advice here again.
Hope i could help you.
best regards, Florian.
What kind of cridit is it? When it is for a flat or house wich you use as family home - there can be the need for both to sign - but it depends the situation.
What i cannot understand is that you ask this question here and it seems that you don't even know exactly the object of your question. You understand what i mean?
You should ask your husband about the nature of this credit and he should explain you why he wants you to sign.
PLease diskuss first with your husband, aks him as long as necessary until you understand exactly what is happening - then you can decide what to do or ask advice here again.
Hope i could help you.
best regards, Florian.
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Geschrieben 13 November 2009 - 09:37
Zitat
Am I oblidge to pay this credit where i know that this is my husband credit since he was a bachelor?
If You sign: YES
Dont forget: You are legally liable to pay the credit or guarantee, even You are divorced from Your husband or he deceases.
But if the bank insists that You sign also, and You trust Your husband unconditionally and You want to help him and the credit is not high, You could sign.
But think twice.
Bats
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Geschrieben 13 November 2009 - 09:55
What kind of credit ?
Because there are different credits.
Example:
I credit maybe for a car is running fixed maybe 3, 4, 5, 6 years.
Normally is nothing changed in this credit.
Exept he is not able to pay anymore, because the monthly rate now is to high for him.
Than you have to make a renew of this contract.
He has to show his income and the bank says, it´s not enough because you are now 2 people
and we like to have a second security (person) in the contract.
Second Exapmple:
A credit for a House is normally fixed for 5 or 10 years.
After that is to make a new contract with new credit conditions.
And same here, before his income was enough to sign the contract but now
you are 2 people and they need a second person because of the "minimum rest income" for living.
If he likes to renew a credit, I think it is normally more than right, if both people know about
and if both have to sign.
Old credits, like in example 1 are normally only credits of the one who made.
Example: Car-loan, 5 years running. In second year of loan running you get married and in the year 4 of loan running
you get divorced. Than it is nothing to share, it is still the credit of the one who signed.
Renewed Credits, chanched credits, new credits, during the marriage are in the responsibility of both partners.
That´s what I think.
Because there are different credits.
Example:
I credit maybe for a car is running fixed maybe 3, 4, 5, 6 years.
Normally is nothing changed in this credit.
Exept he is not able to pay anymore, because the monthly rate now is to high for him.
Than you have to make a renew of this contract.
He has to show his income and the bank says, it´s not enough because you are now 2 people
and we like to have a second security (person) in the contract.
Second Exapmple:
A credit for a House is normally fixed for 5 or 10 years.
After that is to make a new contract with new credit conditions.
And same here, before his income was enough to sign the contract but now
you are 2 people and they need a second person because of the "minimum rest income" for living.
If he likes to renew a credit, I think it is normally more than right, if both people know about
and if both have to sign.
Old credits, like in example 1 are normally only credits of the one who made.
Example: Car-loan, 5 years running. In second year of loan running you get married and in the year 4 of loan running
you get divorced. Than it is nothing to share, it is still the credit of the one who signed.
Renewed Credits, chanched credits, new credits, during the marriage are in the responsibility of both partners.
That´s what I think.
#7
Geschrieben 15 November 2009 - 23:01
mirefoix sagte am 12 November 2009 - 22:03:
Hello everyone,
Its been here in Germany for a couple of months. Im married with a german national for a year already. What confused me now is..He wants me to undersign (signature) his current credit in one of the bank saying :
" Please include my wife in the contract that I have..." This credit has been actually occur before we get married. Is this a law here that needs to follow? Am I oblidge to pay this credit where i know that this is my husband credit since he was a bachelor?
Please someone help me to understand this.
Its been here in Germany for a couple of months. Im married with a german national for a year already. What confused me now is..He wants me to undersign (signature) his current credit in one of the bank saying :
" Please include my wife in the contract that I have..." This credit has been actually occur before we get married. Is this a law here that needs to follow? Am I oblidge to pay this credit where i know that this is my husband credit since he was a bachelor?
Please someone help me to understand this.
For my opinion`No!!I dont sign couze this credit before we married!But Its depend the situition!!!!
#8
Geschrieben 16 November 2009 - 13:06
Rai999 sagte am 13 November 2009 - 09:55:
What kind of credit ?
Because there are different credits.
Example:
I credit maybe for a car is running fixed maybe 3, 4, 5, 6 years.
Normally is nothing changed in this credit.
Exept he is not able to pay anymore, because the monthly rate now is to high for him.
Than you have to make a renew of this contract.
He has to show his income and the bank says, it´s not enough because you are now 2 people
and we like to have a second security (person) in the contract.
Second Exapmple:
A credit for a House is normally fixed for 5 or 10 years.
After that is to make a new contract with new credit conditions.
And same here, before his income was enough to sign the contract but now
you are 2 people and they need a second person because of the "minimum rest income" for living.
If he likes to renew a credit, I think it is normally more than right, if both people know about
and if both have to sign.
Old credits, like in example 1 are normally only credits of the one who made.
Example: Car-loan, 5 years running. In second year of loan running you get married and in the year 4 of loan running
you get divorced. Than it is nothing to share, it is still the credit of the one who signed.
Renewed Credits, chanched credits, new credits, during the marriage are in the responsibility of both partners.
That´s what I think.
Because there are different credits.
Example:
I credit maybe for a car is running fixed maybe 3, 4, 5, 6 years.
Normally is nothing changed in this credit.
Exept he is not able to pay anymore, because the monthly rate now is to high for him.
Than you have to make a renew of this contract.
He has to show his income and the bank says, it´s not enough because you are now 2 people
and we like to have a second security (person) in the contract.
Second Exapmple:
A credit for a House is normally fixed for 5 or 10 years.
After that is to make a new contract with new credit conditions.
And same here, before his income was enough to sign the contract but now
you are 2 people and they need a second person because of the "minimum rest income" for living.
If he likes to renew a credit, I think it is normally more than right, if both people know about
and if both have to sign.
Old credits, like in example 1 are normally only credits of the one who made.
Example: Car-loan, 5 years running. In second year of loan running you get married and in the year 4 of loan running
you get divorced. Than it is nothing to share, it is still the credit of the one who signed.
Renewed Credits, chanched credits, new credits, during the marriage are in the responsibility of both partners.
That´s what I think.
Let me put everything into detail:
Last January 2007, my husband get a credit in Wüstenrot for he wanted to buy a condominium in Manila. To that time, Im not aware that he will buy it through getting a credit here in Germany. All I know is that he got some savings that is why he wanted to buy such property. Year 2008, we get married and decided to live in Deutschland. Year 2009, my visa has granted and now we are living together.
It get into my surprised after 2 months being here, he suddenly ask me to sign such paper saying:
..."Please include my wife in the contract"...
He told me that he has this credit in the said Bank from buying the condominium and he have his parents as a guarantor for that credit.
Now that we are married and living together, His parents wanted me to be part of that so called Guarantor. And my husband said that if I will not sign that paper, his parents will be backing off as a guarantor to that credit and we will be into trouble with the bank...and now im confused.
My point is, why I should sign such thing? First, it was not made with my knowledge. Second, we are not married yet when that credit was given, regardless if that credit benefits me too.
Is this also a way from me not to get easily back in my country?
#9
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Geschrieben 16 November 2009 - 14:18
Sorry,
i think it is needless to discuss here if you shoul or not sign this contract.
You have a big general problem and should first of all become clear about your family situation. This means that you should learn to discuss those things betwen you two and not in public. If you cannot talk open about such thing then how do you think you will manage to deal with the coming challenges?
A bank needs someone with a good financial substance as guarantor - do you fulfill this requirement?
Why do you think you could get difficulties (you seem to plan this) in getting back to Philippines?
Sorry for this, but that's the only thing i can say about your topic.
Best regards, Florian.
i think it is needless to discuss here if you shoul or not sign this contract.
You have a big general problem and should first of all become clear about your family situation. This means that you should learn to discuss those things betwen you two and not in public. If you cannot talk open about such thing then how do you think you will manage to deal with the coming challenges?
A bank needs someone with a good financial substance as guarantor - do you fulfill this requirement?
Why do you think you could get difficulties (you seem to plan this) in getting back to Philippines?
Sorry for this, but that's the only thing i can say about your topic.
Best regards, Florian.
#10
Geschrieben 22 November 2009 - 23:24
or you probably just missunderstood your husband? - he maybe just want you to have the right on that condo (one of the owner)aswell - unless... of course you are already one of the owner of that condo.
- sry for none english - Dahil mapa - credit man o hindi pag gusto nyong bumili nang bagay na malaki ang halaga at gusto mong maging isa sa may ari din - syempre kailangan nang perma mo yon.Just ask your husband what he is up to exactly,and why you should have to do that , and so on.. everytime pag may pinipermahan ang mr ko, I always say " will I go on jail then?" - of course its just a joke and sure he do explaine me first why I have to sign even if Im reading on it.
- sry for none english - Dahil mapa - credit man o hindi pag gusto nyong bumili nang bagay na malaki ang halaga at gusto mong maging isa sa may ari din - syempre kailangan nang perma mo yon.Just ask your husband what he is up to exactly,and why you should have to do that , and so on.. everytime pag may pinipermahan ang mr ko, I always say " will I go on jail then?" - of course its just a joke and sure he do explaine me first why I have to sign even if Im reading on it.
