Credit for mini jobbers

 

Mini-jobbers are people who pursue marginal employment and derive an income of up to 450 dollars per month. Since such a low income is not enough to make a living, mini-jobbers generate additional income or live with a partner who earns sufficient income. People living alone are entitled to an increase by the employment agency if they are only pursuing a mini job.

Lending a mini-job as a side job

Lending a mini-job as a side job

The easiest way to get a mini job is to do a main job and only wear the mini job to improve your household income. In this case, a financial institution offers itself for the borrowing, in the household account in addition to the work income from the main activity also the income from the minor employment flow.

This is not the case for all credit institutions, some only consider the income earned in the main job as the relevant income for borrowing. If a partner contributes to the increase in household income by means of his marginal employment, while another household member is in full employment, these ideally take out the loan for the mini-jobber and his partner. Borrowing together does not require marriage, but married mini-jobbers can obtain a desired consumer loan more easily without the involvement of the partner.

Borrowing without a main job

Borrowing without a main job

If mini-jobbers do not have a permanent main job, they often earn additional income from a freelance job or from various short-term jobs. In this case, a loan without a proof of income is recommended as a loan for the mini-jobber, since it is unlikely that the bank will take individual income into account.

The waiver of the submission of a pay slip does not exempt the mini-jobber from specifying a realistic average monthly salary, especially since deliberately incorrect information can lead to a later loan termination – even if all installments are paid on time. A loan for a mini-jobber can be arranged relatively easily as an installment payment in the mail order business, especially since retailers only ask about income in exceptional cases.

Leave a Reply

Your email address will not be published. Required fields are marked *