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Loan with a fixed-term contract



Especially in recent times, the loan with a fixed-term contract has become very important and required because, for various reasons, there are fewer and fewer workers with permanent contracts.

Especially in recent times, the loan with a fixed-term contract has become very important and required because, for various reasons, there are fewer and fewer workers with permanent contracts.

Precisely for this reason, there are more and more banks and financial agencies that offer loans for fixed-term workers , or that have a work contract with a specific deadline.

If you are wondering how to get a fixed-term contract, it is important to know that this is a type of loan that is granted to those who have a contract at maturity and is substantially very similar to the salary-backed one for the repayment monthly. The installments of loans for fixed-term workers will be deducted from the net salary and paid directly by the employer to the company where the loan was requested.

We can therefore talk about the loan with a fixed-term contract as a personal loan with a maximum duration that cannot under any circumstances be greater than the residual duration of the work contract. Taking a concrete example, a worker with a fixed-term work contract with a two-year expiration will in no case be able to request a loan with a maturity date greater than that of his contract.

Thanks to loans for fixed-term workers, therefore, even workers with contracts that are not permanent contracts will be able to obtain immediate financing, so as to be able to buy what is immediately needed.

A specific example of a loan with a fixed-term contract is precisely that of the salary-backed loan. In this case, the reimbursements will be made through a deduction from your net pay slip, with the employer who will make the deduction every month directly from the pay slip, paying the amount equal to one fifth of the salary directly to the financial who provided the loan .

Loans for fixed-term workers can be requested by all those who have different contractual forms from the permanent contract, provided however that they are not registered in the register of protesters or bad payers. Not only that, in addition to the loan with a fixed-term contract, many banks also begin to propose specific home loans for workers with a contract to expire.

In order to have access to this kind of financing, however, it is necessary to comply with some requirements such as having worked for a minimum number of months in the last two or three years . Clearly, the conditions for the provision of loans for fixed-term workers may vary from bank to bank. 

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