Mortgage and employment for a fixed period: is it even possible? | RealExpert.sk - real estate news
Most of the applicants for a mortgage holland loan with your employer signing an employment contract for an indefinite period. Finds, however, quite a few of those to whom the employer a reason this kind of service wants to indulge. Have these people ever have a chance to get a mortgage loan from a bank?
Employment for a definite period for the employee is no prize. Firstly, it has no certainty that after this time his employer relationship extended and secondly, they may be financial institutions him look a bit through his fingers. Or is it different? "No need to lie to you and delude ourselves that banks are from clients who are unable to demonstrate the employment relationship of indefinite duration, not particularly enthusiastic," says the magazine RealExpert financial adviser Alena Schovancová. "Already this fact may be the applicant for a mortgage mean pretty decent negative point, because it means that they are paying holland him as a bank loan can rely a hundred percent," he continues.
Banks for each applicant for a mortgage loan considered this request individually and while taking into account a large number of different holland factors. Such an individual approach is of course also present at the applicants on fixed-term contracts and can say that it is present even twice, as is the case with other clients. "The bank must first determine why the client is signing an employment contract for a definite period and to what extent, for it presents a risk as Dodger," says Schovancová. She said the bank is considering in detail each and every loan application, holland and do their best to eliminate financial risk.
Although it might seem that for a person to work on fixed-term contract is the possibility of obtaining a mortgage loan virtually impossible, according to the financial adviser that is not quite true. "In this respect, we can not generalize, because, as I have already mentioned, each individual application is analyzed individually. Therefore, even applicants with this type of service may not immediately throw give up, "he explains. As says the bank will consider in particular that of the employer, whether that employment has been extended at least once, and whether the client has sufficient income to make the loan was perfectly holland able to repay. "Banks does understand that nowadays it is not uncommon that an employee has entered into fixed-term or the OF SERVICE through employment agencies. The most important fact is how much employment and earning either had a history of any difficulties in repaying another loan, "says Schovancová.
The advantage to this type of applicant, according to the adviser could be a declaration by the employer that after a certain period in order to re-employ the employee. "Obviously, the applicant must also be on probation, that employment must be the time of application for a mortgage loan take at least three months," he adds.
Latest articles largest shopping centers in the world and in our country significant change in the Old Town: hotel of the multifunctional building housing affordability improves Bojnice as a place to earn a lucrative construction abroad. I have a mortgage in Ireland? How to choose the "best" holland apartment? Market reports recovery in this year in the most expensive apartment in the world instead of concrete plants new flats under a red stone grows Zoo
Most of the applicants for a mortgage holland loan with your employer signing an employment contract for an indefinite period. Finds, however, quite a few of those to whom the employer a reason this kind of service wants to indulge. Have these people ever have a chance to get a mortgage loan from a bank?
Employment for a definite period for the employee is no prize. Firstly, it has no certainty that after this time his employer relationship extended and secondly, they may be financial institutions him look a bit through his fingers. Or is it different? "No need to lie to you and delude ourselves that banks are from clients who are unable to demonstrate the employment relationship of indefinite duration, not particularly enthusiastic," says the magazine RealExpert financial adviser Alena Schovancová. "Already this fact may be the applicant for a mortgage mean pretty decent negative point, because it means that they are paying holland him as a bank loan can rely a hundred percent," he continues.
Banks for each applicant for a mortgage loan considered this request individually and while taking into account a large number of different holland factors. Such an individual approach is of course also present at the applicants on fixed-term contracts and can say that it is present even twice, as is the case with other clients. "The bank must first determine why the client is signing an employment contract for a definite period and to what extent, for it presents a risk as Dodger," says Schovancová. She said the bank is considering in detail each and every loan application, holland and do their best to eliminate financial risk.
Although it might seem that for a person to work on fixed-term contract is the possibility of obtaining a mortgage loan virtually impossible, according to the financial adviser that is not quite true. "In this respect, we can not generalize, because, as I have already mentioned, each individual application is analyzed individually. Therefore, even applicants with this type of service may not immediately throw give up, "he explains. As says the bank will consider in particular that of the employer, whether that employment has been extended at least once, and whether the client has sufficient income to make the loan was perfectly holland able to repay. "Banks does understand that nowadays it is not uncommon that an employee has entered into fixed-term or the OF SERVICE through employment agencies. The most important fact is how much employment and earning either had a history of any difficulties in repaying another loan, "says Schovancová.
The advantage to this type of applicant, according to the adviser could be a declaration by the employer that after a certain period in order to re-employ the employee. "Obviously, the applicant must also be on probation, that employment must be the time of application for a mortgage loan take at least three months," he adds.
Latest articles largest shopping centers in the world and in our country significant change in the Old Town: hotel of the multifunctional building housing affordability improves Bojnice as a place to earn a lucrative construction abroad. I have a mortgage in Ireland? How to choose the "best" holland apartment? Market reports recovery in this year in the most expensive apartment in the world instead of concrete plants new flats under a red stone grows Zoo
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