Housewives have always been at the center of a heated discussion. While representing a kind of social shock absorber of inestimable value, their work is not paid and therefore assumes a simple value of social testimony. Even the proposals put forward over time to pay a salary to the category, formulated by some associations, give rise to endless controversy, due to the fact that if they passed they would push women to remain confined to their homes instead of working.

This is an extremely hot topic in a country where female work is still below European standards, reaching 47%, and is discouraged by salaries that are often much lower than those enjoyed by men.

While the pension for housewives has been a reality since 1997, a fund that has been set up for the benefit of all the people who are called to perform unpaid care within their own household.

It should be specified, however, that in order to access this benefit, the interested party must not perform a dependent or independent job, while a part-time activity is allowed, and must not have a direct pension. In short, this is a fairly limited measure, which has often been the subject of discussion to try to make it more stringent, but without achieving great results.

Credit for housewives

Credit for housewives

Considering what has been said so far, it is not surprising therefore that housewives are included in those categories that are considered problematic for credit. Not having income, or having one insufficient, I am in fact not very often able to provide guarantees to be able to repay the repayment plan agreed at contract level for the granting of loans.

Just to try not to exclude from the market such a huge mass of people, the credit circuit has therefore decided to put in place a series of proposals that can meet the needs of the many housewives who, having to make ends meet, are always looking for additional liquidity.

The solutions that can effectively solve the problem are in particular the loan and the one that provides for the presence of a guarantor. In the first case, the bill of exchange, which is an enforceable instrument, replaces the monthly installment and, if it is not paid, would give the financial company concerned the opportunity to immediately refer back to the movable or immovable property that has been placed to guarantee the loan. In the second, instead, a third person intervenes, who can be a family member or a friend, who puts his assets, his pay slip or his pension to guarantee the operation. If the housewife fails to comply with the conditions outlined by the contract and to pay the monthly installment, the lender may avail itself of the possibility of withdrawing the amount due from the guarantees given by the guarantor.

Fast loans for housewives

Fast loans for housewives

As we have seen, therefore, loans for housewives are a reality. Furthermore, they can be subject to an accelerated procedure, or be granted in the form of a fast loan, that particular solution which involves the use of the Internet and which for this reason is extremely appreciated by those who do not want to waste too much time in exhausting bureaucratic red tape.

Naturally, before proceeding, it would be appropriate to consider other solutions, since fast loans, in consideration of the risk profiles involved, foresee significantly higher interest rates than those which are instead characteristic of traditional loans.