Borrowing money, and especially borrowing money directly is not easy. But what if you are a temporary worker? Is it then possible to take out a loan? Where can you still borrow money? Are there differences in the conditions? All questions that we can come up with in a matter of seconds if we want to know more about borrowing money as a temporary worker. Important questions to answer before you apply for a loan. See oryxoman.com for a summary
Borrowing as a temporary worker
|Personal loan||Revolving credit||Mini Loan|
|From 4.1%||From 4.4%||Maximum € 1500|
|Fixed interest||variable interest||No BKR assessment|
|from 21 to 69 years||from 21 to 69 years||from 21 to 70 years old|
|Payment within 2 days||Payment within 2 days||Payment within 24 hours|
|Apply for a personal loan||Apply for ongoing credit||Apply for a mini loan|
If you want to borrow money, and you currently have a temporary employment contract, then of course you want to know quickly what the possibilities are. There are always opportunities for borrowing money. The only question is whether you can get the best conditions. A big distinction can be made between borrowing as a temporary worker with a phase a contract or a phase c contract.
Borrowing as temporary agency worker phase A
This is the most uncertain variant for the banks. Hence day borrowing as a temporary employee with phase a is the most difficult. With a phase a agreement, your income is not included by the banks in the calculation for a loan. A “regular” revolving credit or a personal loan is therefore unfortunately not possible. Borrowing as a temporary worker phase a may still be possible from the providers of the mini loans. The advantage here is of course that borrowing money without BKR testing is also possible. This is because the providers of mini-loans cannot do BKR testing. In addition, it may also be possible to borrow money as a temporary employee phase a with friends or family.
Borrowing as a temporary employee phase B
This will make it a little easier if you want to take out a loan. The banks at least partly take your income with you. At most banks this will be 70%. If your partner has a fixed income, banks may be more lenient to provide you with a loan. You can then also qualify for a regular revolving credit or a personal loan.
In addition, mini loans and borrowing money from private individuals also remain an option.
Borrowing as a temporary employee phase C
You have the best chance of a loan if you want to make borrowing as a temporary worker possible with a phase C agreement. Banks fully take this income with them, it is therefore seen as a fixed income. The bank will of course continue to do the BKR assessment. But in any case, getting through the income test will be a lot easier.
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