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Borrowing with a permanent contract

Income is one of the most important factors that a lender pays attention to when providing a loan. The rule of thumb here is that the more certain the income is, the greater the chance of a loan. According to lenders, a permanent employment contract (for an indefinite period) provides the most security and therefore borrowing with a permanent contract is the easiest and cheapest.

Directly compare current interest rates with permanent employment

Other factors

Of course, lenders look at more than just employment before making a loan. The most important and most common factors in addition to the type of employment are:
  • level of income;
  • housing situation and housing costs;
  • Credit Registration Office (with a negative registration a loan is rarely granted);
  • family situation (a single person often has lower costs than a family with a few children);
  • age.