Credit with annual contractOn May 11, 2019 by admin
Annual contracts and temporary employment contracts are today in the corporate policy of many companies on the agenda. For the employee concerned, these contracts are comparable to a long-term trial. Desires like a car or even a home stay unaffordable for a temporary worker.
But with all the pressure under which the workers suffer, the annual contract also has something good. A loan seeker is therefore to be regarded as creditworthy in a timely manner. Because in Germany the rule applies, who works gets also a credit. Thus, a loan with annual contract is not easy to obtain but still has opportunities.
Opportunities for a loan with an annual contract
Who needs a loan with a small sum, which usually has no difficulties. Because a small loan can already be paid off at the end of the expiration of the annual contract. Another possibility is the granting of a disposition credit to the house banks with a regular income from work. Thus, about a monthly salary is tolerated in spite of an annual contract as overdraft of the account. If the person looking for a loan urgently needs a new car or there is a urgently needed heating repair, a loan with an annual contract can be approved by naming a guarantor.
In the case of a guarantee, it must be ensured that a payment default by the borrower of the guarantor is taken. Also, certain conditions are attached to a guarantor. He must be solvent, have a steady income and have a stable job. The alternative to a guarantor may be other forms of credit protection, such as a debt-free property that will secure the loan.
The credit prospects
If a loan with an annual contract is applied for, this loan should be the same as the term of the employment contract. Banks also rate this prospect positively, especially if the Schufa information is positive and the loan seeker has no other obligations. Thus, an expensive car repair or additional heating costs can be paid at low interest rates.
Another alternative is the use of credit cards. The application usually requires only a net income above 600 euros. Rarely, questions about the employment relationship are asked in this application.
Another option is for a loan with an annual contract of credit from a private perspective. Various portals can be found on the Internet that encourage contact with private investors. The loan seeker sets his meaningful profile on a portal and describes his financial situation and his loan request. Private lenders decide on the credibility of the loan seeker. The loan attempt is free of charge for the two market leaders. Thus, a loan with an annual contract quite a chance of approval.
A loan seeker should remain realistic in his search for credit and think about the future. For what should happen the annual contract should not be extended and the income remains off. This question should be decisive in the loan amount. A small loan of up to 5,000 euros seems realistic and is also approved for workers with an annual contract.
The loan seeker can find a cheap loan on the internet. There are many online banks that score with low interest rates, as well as long waiting times, annoying phone calls and bank visits are a thing of the past.