Is it possible to get a credit without red tape?
Unfortunately not. It’s not an easy job to collect all the necessary papers. If you’re married, your spouse automatically becomes the flat owner, and you’ll require him/her income reference. You have under aged children? Congratulations! Their living expenses will be deducted from your income, so you need to provide the according references again. All in all, there’ll be some red tape. There’s nothing to be done about it. Banks try to evaluate one’s financial standing this way, cause they are not interested in insolvent customers.