Hi KCB,
Not common place - but might not be impossible ...
Couple of key things a bank (credit union may also be an option, but they wouldn't be my area of expertise/knowledge) will consider ...
a) Your employment status (especially in current times) - if say you are taking a career break for a year to travel, and are guaranteed (if there is such a thing nowadays) your job when you come back, then it would be possible ...
b) Again if you already have a good relationship with your bank - have done business with them over a period of time , honoured committments, then that will be a big plus ...
c) Much more difficult (almost impossible) to walk in to a new bank, and seek what you are looking for ...
d) From a bank point of view - E10k loan now - will be say E11k in a years time (I'm assuming a 10% interest rate) - key question will be can you show that you can repay E11k over a period of time in a years time, with they being comfortable that you will come back and won't leave them high and dry...
Hope that's of some help .....