Many people work in temporary employment agencies. Although they are employed in the temporary employment agency, their jobs can change constantly. Employees are deployed where they are needed. Contrary to popular opinion, this has nothing to do with a temporary contract. A temporary contract is limited to a certain number of months. This is not the case with temporary work. This also affects financial transactions, because a loan despite temporary work is possible. The only basic conditions are a positive credit bureau and a good income.
Credit despite temporary work – For many banks an uncertainty factor
Again and again, there are cases in which the filing banks simply refuse a loan despite temporary employment. But there is no reason for it, because it is a fixed employment relationship with a regular income. If customers are affected, they have to look for other alternatives. Online credit institutions are more willing to grant a loan. Anyway, searching for a loan online makes more sense, because the banks on the World Wide Web offer the best conditions.
Another option is the credit line. If the banks refuse a loan, then this is a stopgap. Many current account holders are given a dispo. The monthly cash receipts decide on the amount of the dispos. It can be used to fulfill smaller wishes. For larger purchases, but he is often not enough.
Credit during the probationary period
Similar problems have employees who are still in the probationary period. Their income is anything but secure. Banks check credit risk before lending. If the employee has not received a definitive commitment to acquire the company, the loan will be denied.
Anyone who brings a guarantor as collateral for the bank’s credit does not automatically get a loan commitment, but it greatly increases the chances of getting a loan. But this step should be very well considered by both sides. Finally, the guarantor is liable for the full loan amount if the installments are no longer paid. Only very few take such a high risk. It also wonders if this is worth the friendship.
Credit from abroad
A loan can also be applied for abroad. The banks want to see security as a permanent employment. Employment with a temporary employment agency should not be an obstacle if the employee has been working for the company for more than a year. In addition, the employment contract may not be limited in time.