In the event of divorce, one of the spouses may take over the loan in full. The loan will remain valid as is and one of the spouses will simply be removed from the loan. However, in such a situation, the credit institution must reassess the solvency of the borrower who takes over the loan alone and determine whether the borrower will be able to manage the loan alone also in the future. The prepared facility statement must be attached to the loan documents for future use, for example in case of a guarantee compensation situation.