Those who have a negative entry into the credit bureau and are also unable to find guarantors for a potential loan will usually encounter major difficulties in finding a loan. While in such cases, in principle, large purchases should be backwards, this is quite difficult especially in the car. Many things today are not possible
Only a few years ago a joint marriage bank account was the norm. Today, mainly due to the availability of very attractive bank offers and low fees (or even lack of them) associated with running an account, this is not a popular solution. Most marriages, despite staying in a property community, decide on separate accounts.