Credit during the probationary period: A loan despite the probationary period in the employment relationship, is that even possible? Here, the necessary steps for credit will be explained. It is not difficult to get a loan with a probationary period. People who apply for a loan from a bank or savings bank despite a probationary period often experience that they can hardly get such a loan without problems. Obtaining loans during the probationary period is very difficult.
However, the entrepreneurs require a probationary period before hiring a permanent employee. In this probationary period, which is usually six months, both parties can terminate the employment relationship without justification. However, it is not easy for credit institutions to lend to a borrower if he is still in the probationary period and has not yet pledged.
The risk of failure is too great, because if the employee is not hired after the probationary period, there is a risk of unemployment. The currently used credit balance with probationary period is then in danger, because with the salary or resin 4 remains no credit for the payment of the rates. However, the employee may already have a commitment from his employer to take over the company.
A credit exposure should then cause no difficulties, provided the creditworthiness is given. If the financial institutions in the Federal Republic reject a loan because of the probationary period, many resort to the Swiss financial institutions. Special providers of financial services through the Internet mediate this highly praised loan. But there are still difficulties with the employee on probation.
A basic requirement for the acquisition of a Swiss loan is a permanent and indefinite employment relationship. If you are still on probation, you do not need to claim a loan. In any case, the banks refuse. It is difficult to get a loan with a probationary period. The granting of a probationary loan depends on the respective lenders and the desired loan amount.
Credit during the test phase: A few steps to success
Starting position: A loan is absolutely necessary. However, the potential borrower is still in the trial period. The problem: The bank hardly gives a loan here. Is it possible to take out a loan despite the probationary period? The next step: Is a security, a guarantor or an overdraft available? Otherwise, you can provide a meaningful presentation of the credit application on credit markets such as: B. the auxmoney or qmava score points.
In the case of new employment contracts, a probationary period is often decided, the legally permitted maximum period for the probationary period is six months and is usually broken even by the entrepreneurs. The probationary period is two weeks, if necessary a longer deadline can be negotiated between the employee and the client and an existing collective agreement may also lead to an even shorter period.
In vocational training, a probationary period of half a year is planned; usually it can be extended to up to four months. With the probationary period coaches and interns should get to know each other in silence. So that both parties are not hindered, the legal deadlines during the probationary period of a training contract may be short: there are none at all.
Of course, the credit institutions know this and hardly give any loans to employees and interns during the probationary period; the employment prospects are too uncertain for them. Credit institutions only make an exception to their restrictive lending policy if a collateral or guarantor is in stock. Thus, if the financial institution finds a sufficient reduction of risks, a regular loan may be possible despite the probationary period.
At the end of the probationary period either a regular loan can be concluded on favorable terms or, with the monthly income secured at that time, the disposition can be gradually reduced. Of course, also have lenders in today’s credit markets such. B. Eicredit or creditend no gifted cash. The more credible the representation of one’s desire is, the faster the loan will work.
Step 1: If the loan amount is manageable, the credit problem may be resolved through the disposition. In case of termination during the probationary period, however, there is the danger of being guilty. Level 2: A security or guarantor can be the deciding factor for a positive credit decision. Level 3: A loan during the probationary period without any stress at credit institutions may be possible in today’s credit markets.
Step 4: The presentation of your own credit needs must be on the spot. Put yourself in the perspective of a potential lender: What would you want to know about borrowing from the borrower? 5th step: Congratulations! Thanks to the support of Creditend or Eicredit, the loan has proven itself despite the probationary period.
Step 6: After successful completion of the test phase nothing can go wrong.