Although the wave of emigration has been shaking in Croatia for the last few years, it has not had a positive impact on the business status of the workers who decided to create the future in our beautiful country. Instead of being rewarded by people who contribute to the development of the domestic economy, they continue to work on a fixed-term contract and fear what tomorrow will bring.
Permanent employment is still the holy grail, to which more than a third of Croats work on a fixed-term contract. Even the laws make it convenient for an employer to keep a worker in this way for three years, which in turn prevents the worker from taking out a loan and creating a home.
What is the attitude of banks on loans without permanent employment
Banks are not very sympathetic to workers working on a fixed-term contract because they find it too risky. Loans without permanent employment are granted only on condition that a part-time employee is employed and spent at least 12 months with the same employer. And there are very few of these, given the low wages and poor conditions that force workers to constantly change jobs.
The idea of credit houses the market is crying out for
Credit companies are much more flexible in this regard and have noticed the need for the market to jump out of the comfort zone. They appeared in the Croatian financial sky about 10 years ago and changed it from the ground up. In their rich product offering, they have full-time loans for all those who are unable to find a permanent job. Unfortunately, there are many of them.
The idea behind a full-time loan is to allow all those who share that one contract from a better future the opportunity to create something. Credit institutions do not rely on the creditworthiness of clients as banks, but pay attention to financial orderliness, which involves regular receipts and regular settlement of debts.
How to get a loan without permanent employment
Loans without permanent employment are available on the pages of selected credit houses. The complete realization of the loan without permanent employment goes exclusively online, all based on the basic documents, ID card and current account card. The procedure is as simple as possible, and there are no unnecessary steps or collecting additional certificates.
Upon approval of the request, the money lending agreement is removed from the same page and signed. It is not necessary to go to a notary public first and certify it. For this reason, the complete realization of a loan without permanent employment can be completed in just a few minutes or a maximum of 24 hours. Which means that the money in the account is sitting on the same day or at the latest the next day, which is very important in an emergency.