How do banks evaluate probation periods in secure industries?

  • Erstellt am 2022-01-01 12:57:31

kati1337

2022-01-02 00:08:46
  • #1


We are over 30, with a child, no parental leave but one of us is on probation. So the question is - how does this look with the banks?
 

Tassimat

2022-01-02 01:01:47
  • #2
As already mentioned: It varies from bank to bank, generally it is possible.

Back then, even as a sole earner with children in the probationary period, I could have financed a house. The bank said: Sufficient equity available, we can manage that. However, it took even longer for other reasons and by then the probationary period was long over. With your 80k equity, it should currently also work if you want to fully use the 80k.
 

K1300S

2022-01-02 07:17:13
  • #3

Then they get their money back (proportionally). ;) Otherwise, I see little difficulty there, especially if the bank can see the trend (seamless transition with increased salary). Recruiter inquiries who know who is coming along. For us, ongoing parental leave was also no problem.
 

kati1337

2022-01-02 12:10:54
  • #4


Ah, see, I didn’t know that at all. They probably have regulations for that, but in IT and project business, I also know very few cases where an employee was let go. Companies look for candidates through headhunters because there is a shortage. In the companies I worked for, I experienced only once that a (younger) colleague was supposed to leave, but something must have happened there. Even he found something new quickly. I think we’ll just give it a try.
 

WilderSueden

2022-01-02 15:24:51
  • #5
It doesn't always have to be the employee's fault; there are also cases where the company gets into trouble. A few years ago, my company really botched a new product, and with a 20-person company, it is naturally extremely dangerous if you let 5 people work for 2 years on something that never sees a customer. Then a few people had to go, and those in the probationary period are, in that case, naturally the first to be let go, no matter how important they are.
 

kati1337

2022-01-02 16:44:35
  • #6
Absolutely right, that's clear. But in that case, you'd still be entitled to ALG1 (1 year?), right? And I am absolutely convinced that the only way a software developer stays unemployed for over a year in the current market is if he unpromptedly does his dingdong helicopter in every Zoom interview. The question, however, is whether you can make that believable to a bank / whether they know about it. ;)
 

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