Private credit for cohabiting couples

At MultiCredit, we understand that life and investment projects lie at the heart of your aspirations—even when you live together without being married. Whether you need to finance the purchase of a property, carry out renovation works, or realize other personal plans, MultiCredit supports you in your private credit application while taking your specific situation into account. Here’s how our process works and what we consider for couples in cohabitation:

1. Understanding the Specifics of Cohabitation

Accounting for Your Unique Situation

• Status and file presentation
  Unlike marriage, cohabitation does not automatically create joint taxation or a legally defined property regime. However, at MultiCredit we recognize that the strength of your project also depends on the stability of your shared financial situation, even without formal marriage.
• Individual vs. joint application
  You may choose to apply for credit individually or together with your partner. In a joint application, combining both incomes can strengthen your file, potentially giving you access to higher loan amounts or better terms.

2. Assembling a Transparent, Complete File

Required Documents and Information

• Identity and residency proof
  Each partner must provide a valid photo ID and a recent proof of address.
• Bank statements and pay slips
  These documents demonstrate your income and financial stability, allowing MultiCredit to assess your repayment capacity and determine an optimal loan amount.
• Individual and joint credit history
  Even in cohabitation, transparency is essential. Gather evidence of any late payments as well as any documentation that highlights the overall strength of your financial profile.
• Project description
  Provide a clear description of the purpose of your private credit—whether a real estate purchase, renovation, or other personal project—so that our experts can tailor the offer to your needs.

3. Simulation and Personalization of Your Offer

MultiCredit’s Online Simulation Tool

• Intuitive interface with step-by-step guidance
  Visit our website and enter your information. You’ll see side-by-side comparisons of an individual versus joint application.
• Interactive scenario comparison
  Dynamic charts and tables show you how adding your partner’s income affects the maximum loan amount and monthly repayments. You can adjust the loan term and amount to find the best fit for your budget.

4. Personalized Support and Advice

Analysis and Optimization of Your File

• Meeting with our expert advisors
  After your simulation, a MultiCredit advisor will contact you to review the results together and offer targeted recommendations—such as how to split costs or increase your personal down payment.
• Specialized support for joint applications
  Our cohabitation specialists ensure that your application transparently reflects both partners’ combined financial capacity, while respecting each person’s independence.

5. Finalizing Your Offer and Ongoing Support

From Simulation to Binding Offer

• Transparent, tailored proposal
  Once your file is reviewed and optimized, MultiCredit will send you a detailed offer specifying the loan amount, interest rate, repayment term, and fund disbursement schedule.
• Contract signing and follow-up
  After you sign, the funds are released and we provide ongoing check-ins throughout your repayment period to support you and ensure the long-term success of your project.

Our Commitment to Cohabiting Couples
MultiCredit is dedicated to providing cohabiting partners with a transparent, tailor-made credit solution that acknowledges your special circumstances. With our online simulation tool and personalized expert guidance, we help you build a strong file, optimize your loan conditions, and bring your plans to life with confidence. Contact us to turn your project into reality—customized, clear, and cohesive.

Article by Munur Aslan, Director of MultiCredit