The fixed-term contract is not the problem here at all, and no one should make it into one if they do not see an issue in their personal situation. Again, this must be considered individually, and the original poster did not ask whether a fixed-term contract makes sense or give the impression that it causes problems for them.
Fixed-term contracts are accepted at one bank if they have already been extended, at another bank if the job has been seamlessly continued elsewhere, and at other banks it does not matter. The Ing has already been mentioned; three payslips are enough and that’s fine in this regard.
Not having to submit it, as one user here stated, also means nothing, because first of all, this must be declared and is often visible from the payslip since the start and end dates are indicated there.
Whether a fixed-term contract is acceptable and what security it provides can only be decided individually by the consumer, especially since the original poster has two incomes here and possibly can cover a change with a short interruption. We do not know, and certainly, there are situations, also based on qualifications and profession, where a fixed-term contract represents no less security than a permanent one.
Regarding that, of course, usually no employment contract must be submitted when applying for financing, but if the consumer is still in the probationary period, then it is indeed a minimum document because how else should the length of the probation period be apparent if not from the employment contract?
Here with the original poster, the reason for my incomprehension and the problem is not the fixed-term contract, but the probation period, because it is indeed difficult to get income from this accounted during the probation period. Fine, it will be shortened, all good, that is a solution or can be one, but what kind of intermediary is that? If he has not been doing this just since yesterday, he should have known that the contract will be requested, and what does it look like if you now have to throw in the fixed-term contract retrospectively? I am also curious what he stated regarding the affiliation at the application because, as a rule, the fixed-term period is stated in the contract, and if it is not (which sometimes happens), he may have concealed this, which does not improve the matter, and if one wants to trick in the interest of the consumer, one should also be able to do that, but here he could not, because as said, it was 99% certain that the employment contract would have to be submitted afterward!
Presenting the financing regarding the fixed-term contract (of course, I cannot assess this comprehensively due to a lack of information) is not a problem for me as an experienced financing broker at all, but I will also say, possibly the effort was in vain with this bank, as they do not accept fixed-term contracts and/or do not find this business practice okay and refrain from collaboration.
It is not that bad or catastrophic yet; you simply find a professional who supports you more effectively (not to mention how the financing concept currently looks). It only becomes annoying when I want to buy a house that 10 other families also want, and the seller and/or the broker give it to someone else because someone else was practicing and everything took too long.
All in all, not a good or reassuring development, considering that it is a life investment, whereas – which is to be suspected based on the previous approach – we do not yet know how poorly the financing concept itself may be structured.