How do banks evaluate probation periods in secure industries?

Strange question, I know. ;)

The reason why my husband and I want and are able to reorient ourselves is that we have both accepted new jobs. Corona has changed our IT sector significantly. Remote work is now widespread.

If we were to sell our house and say look for financing for something new in spring, my probation period would already be over. However, my husband only changes jobs in February, so he would still be fully in his probation period. Is that generally a disqualifying factor for a bank when it comes to new financing? We would then have an estimated 80k equity and the income fits as well (I am confident about that, as we currently already finance a similar amount and at that time we had 2000 net less available).

Probation periods are simply common with permanent contracts. In our industry, the job situation is extremely good, it all runs through headhunters, and you can usually choose a new position from several offers. Even if it didn't work out there, he would have something new within 2 weeks. His company also pays a five-figure sum to the headhunter for the employment contract, so it is extremely unlikely they would fire him during the probation period. But the question is: Does a bank also assess it that way, or do they usually consider a probation period as a disqualifying factor for counting the income?

Does anyone have experience with this/have done something like this before?

Is that generally a disqualifying criterion for a new financing for a bank?

No. Probationary periods are quite normal in financing nowadays. However, there may be exceptions depending on the bank.

You would finance together as a pair, I assume. Then it can play a subordinate role if one person is permanently employed and outside the probation period AND the other usual general conditions are met.

As an individual in the probation period, a construction loan is already more challenging. There are banks that do this if the other general conditions are met (equity ratio, net salary, etc.), but for many it is definitely a hard exclusion criterion.

The industry of the employed borrower, their experience or resume interests a bank very little.

I know from personal experience

You would be financing together, I assume. Then it can play a subordinate role if one person is permanently employed and out of the probationary period AND the usual other conditions fit.

As an individual still in the probationary period, a construction loan is already more challenging. There are banks that do it if the other conditions fit (equity ratio, net salary, etc.), but for many it is certainly a strict exclusion criterion.

The sector of the employed borrower, their experience, or their resume interests a bank very little.

I know from my own experience

Yes, we would be financing together.
I also know that this is always checked (at Interhyp and the like at least). But why it is so relevant is not clear to me either. We also financed about a year ago, both permanently employed, but afterwards everyone found something new. You can only ever assess the "now," because a construction loan does not force the employee to stay in the same permanent employment for 25 years.
A fixed-term contract is something different, I suspect, because it implies that the employment relationship ends if nothing happens.

Only the present matters.

No children and 30 years old: Great, no problem at all.
2 children and currently on [Elternzeit]: Possibly difficult.

The fact that 30-year-olds also want children doesn't matter, and that one will return to work after [Elternzeit] in the second case only matters so-so.

I have to stand up for the bank here. The probationary period is definitely more risky. On the one hand, very few people change their permanent job so soon after building a house as you have done. On the other hand, building a house also requires a certain amount of the borrower's time and flexibility from the employer, which is generally not available during the probationary period. And with each year the loan is serviced, of course, the bank's risk decreases.