Get A Mortgages without a contract Permanent is not easy, but today it is not impossible. The labor market has changed and more and more people have extraordinary, uncertain agreements or act as VAT games. In recent years, so banks have begun to adapt to new reality and offer Solution Think for people who have a stable work situation.
Who can request a mortgage without a more permanent contract? Let’s see how you move if you have an atypical contract, an uncertain job or if you are freelances.
What is the ATYPICAL worker?
the l atypical worker These are the people who work with a non -standard contract. In practice, it is not linked to a permanent contracting company, but performs work through:
- Fixed Term Agreement;
- Integrated and permanent cooperation (co.co.co.);
- VAT number, freelance or freelancers;
- Climate work or call.
These contract shapes can make credit more complicated, but do not exclude it.
What kind of employment contract is used for mortgage?
The type of contract is no longer an obstacle. What really does it matter The revenue stability. Banks take minimal reviews:
- Even two years of income, VAT or self -employment.
- Regular for social protection and tax payments, which are independent.
- Financial reliability: There is no debt of pending or protests.
So an important point is related to the documents: for example, those who have the VAT number, will have to present the last two tax statements and, if possible, will have to predict income for the current year.
mortgages for workers with atypical contracts
Even if you do not have an indefinite contract, you can still mortgage. However, this bank must show that you have a special revenue stability, that is, you are able to deal with mortgage installments without any specific difficulties.
Bank, when they look at the request of an atypical or independent worker, keep in mind the factors such as working continuity, sufficient income, absence of reports. The bad payer And other additional guarantee, such as guarantees or more sources of income can help.
How to mortgage without an uncertain agreement?
Without a fixed agreement, there are some practical strategies to increase the chances of mortgage acquisition.
Of these, one of them offers a guarantee, that is, a person who works to cover mortgage in case of difficulty. This is not necessary, but it makes a difference.
In addition, it is good to pay for high advance, ie, more than 20 % of the usual amount. In addition, tools such as the first Home mortgage guarantee fund can be exploited, which offers even more favorable conditions for people with uncertain work.
