kreditkort

Pass på hvis du er midlertidig ansatt

Er du midlertidig ansatt og ikke vet om du vil kunne få en fast kontrakt senere? Eller har du fått midlertidig ansettelse over sommerferien som ferievikar? Uten fast jobb kan det være vanskeligere å få innvilget en søknad om lån. Vi har samlet en del informasjon til deg som er midlertidig ansatt som er grei å vite før du velger å ta opp et forbrukslån eller søke om kredittkort.

Har jeg krav på fast ansettelse?

Det finnes regler på hvor lenge arbeidsgiveren din har lov til å ha deg som midlertidig ansatt. Dersom du har lyst på en fast stilling bør du sjekke lovverket for å se hva som gjelder i din spesifikke situasjon. Som fast ansatt vil du kunne være sikker på at du har en fast inntekt fremover, noe som vil gjøre det enklere å kunne planlegge nedbetalingstiden på for eksempel et forbrukslån.

Kan jeg få innvilget lån?

Dette er helt avhengig av hvor god økonomi du har, hvor stort lån du ønsker å ta opp, og om du vil være i stand til å tilbakebetale lånet. Flere banker som tilbyr forbrukslån (se ulike forbrukslån her) krever at låntakeren har fast inntekt. Dette er for at banken skal kunne være sikker på at du vil kunne betale tilbake pengene du har lånt. Samtidig finnes det også flere banker som ikke krever at man har fast inntekt. Med et forbrukslån kan du ha en fleksibel nedbetalingstid som passer til din personlige økonomi. Dersom du velger å søke om forbrukslån sammen med en medsøker, så vil dette også øke sjansen din for å få innvilget et forbrukslån. Les mer om forbrukslån her.

Når bankene skal vurdere om du skal kunne få et forbrukslån uten fast ansettelse, så vil de ofte se på hvor sannsynlig det er at du vil få en fast stilling i fremtiden. Her spiller helt klart utdannelse og jobbmuligheter en stor rolle. Dersom det er stor arbeidsledighet der du bor, og du arbeider i en bransje som er preget av oppsigelser for tiden, så vil dette gjøre det vanskeligere for deg å få innvilget et lån. For tiden er det spesielt mange som arbeider i oljebransjen i Norge som har mistet jobben, og det er en bransje som det er vanskelig å få jobb i om dagene. Dette har spesielt preget folk som er bosatt på Vestlandet. Da bør du for eksempel vise banken din at du er villig til å flytte på deg dersom en jobb skulle dukke opp et annet sted i landet.

Ha kontroll på forbruket ditt

Som midlertidig ansatt vil du gjerne venne deg til å ha en god inntekt, noe som ofte reflekteres i folks forbruk. Da er det viktig å huske at selv om du har en god inntekt nå, så er du ikke sikret denne inntekten i fremtiden. Prøv derfor å spare så mye som mulig ved å redusere utgiftene dine. Samtidig er det viktig at du ikke bruker for eksempel kredittkortet mer enn du har råd til. Flere ender opp med å gå i en felle der de har tilpasset hverdagen etter dagens inntekt, og glemt at den inntekten kanskje en dag forsvinner siden man kun er midlertidig ansatt. Og sørg for at du betaler alle regninger ved forfall slik at du unngår betalingsanmerkninger. Dersom du skulle være uheldig å få en betalingsanmerkning, vil det bli betraktelig vanskeligere for deg å få innvilget et lån ved en senere anledning.

 

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