Job offer but temporary - what options are there for financing

Take the job! Anything else would be nonsense. We know from our own experience (!) that fixed-term contracts are no longer a big problem when it comes to lending nowadays.

1. The number of fixed-term employments in all areas and levels is increasing; banks can no longer strictly adhere to this rule.

2. Due to the currently rapidly rising property prices and the general shortage of land, even (in the worst case) the total failure of installment payments relatively early in the financing period and consequently the takeover and sale of the property is usually a profitable business for the bank.

I myself was also employed on a fixed-term basis at the time of the loan agreement, since the bank only wanted to see the last three payslips and not the employment contract, this was not a problem as it was not noted there.

But that probably depends a lot on the employer / the software / the payslip. For example, in the public sector, the "termination date" is indeed stated. The savings bank here had a self-disclosure form in which the fixed-term contract was also queried - the same for Interhyp as an intermediary.

I would also simply ask whether a loan from bank XY is generally conceivable - preferably in advance, before many data are exchanged at all. That's how I did it (both my wife and I are currently employed on fixed-term contracts) and we received a guarantee at top conditions without any problems. The keyword for us was "industry-standard fixed-term contract."

All right. If everything fits next week, I think I will accept the job. I received the information that the fixed-term contract is not listed on the payroll. A friend who already works there in the HR department inquired about that.

By the way, this is one of the leading manufacturers in the electrical industry worldwide, who pays according to the collective agreement. The employer should therefore have a good reputation with the banks. Also with a possible fixed-term contract at the beginning.