Taking out a loan is nowadays less easy than a few years ago. Borrowing money with a temporary contract, however, may be an even bigger challenge. Nevertheless, there is also some good news for people with a temporary contract. Not only have the banks become more flexible in the past year if you have a temporary employment contract. The idea that it should be possible to take over your current loan with a temporary employment contract is also starting to live more and more.
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Where can you borrow money with a temporary contract?
As indicated, the banks have somewhat relaxed the guidelines in recent years. One bank takes 100% of your income with you if you can prove that you have received income from work in the past three years.
The cheapest bank, the bank with the lowest interest rate in the Netherlands, takes your income 100% with you if you are over 30 and have a home for sale. You then do not have to prove that you have had work in recent years. You can easily apply for your loan by choosing one of the buttons for the revolving credit or the personal loan. You can then immediately take out a personal loan or take out a revolving credit. Just what you prefer.
What should you pay attention to when borrowing money with a temporary employment contract?
If you want to borrow, and you have a temporary employment contract. Please bear in mind that your contract may not be extended. If this is the case, you will be able to fall back with 30% of your gross income. A loan may then no longer be affordable. A loan can then become a burden. Be aware of the problems that a loan can give, and make sure your loan does not become a burden. Do not borrow the maximum, but make sure that you can still pay your loan in all cases.