A permanent employment relationship or proof of other regular income is important for the bank, otherwise a loan usually does not come about. The banks generally ask about the job situation of the applicant. However, if the applicant can only show a temporary employment contract, the banks will rarely approve a loan.
Credit despite a fixed-term employment contract
Anyone who can only show a temporary employment contract is in a bad position for a loan. At least if the employment relationship is below the term of the loan. After all, there is no guarantee that the employee will also be taken on by a fixed-term contract on a fixed-term contract.
However, the situation is different if the employee already has a fixed employment contract in his hands, which serves as proof that a fixed employment relationship is entered into after the temporary employment. In such a case, the applicant has a good chance of getting a loan despite a fixed-term contract.
Credit even without a job
You do not necessarily have to have an employment relationship to get a loan. Regular income, which can also come from renting or leasing, is important. You only need to have a certain amount, then a loan is also possible despite a fixed-term employment contract. However, the situation is different for the self-employed and freelancers. Your earnings fluctuate from month to month and most banks are unwilling to approve this profession.
Credit despite temporary employment contract with temporary employment agencies
Banks love customers as customers. They have regular income from employment, and unless they are dismissed, they can be expected to receive regular money. In this case, the banks are happy to grant a loan, provided they are creditworthy. However, it becomes difficult with a loan if the applicant is employed by a temporary employment agency. In these cases, a loan is often refused because the employees often only have fixed-term contracts. In most cases, this leads to a loan rejection.