A career beginner has just completed his education successfully. In many cases, the former apprentice of the company now becomes a permanent employee. Even if he knows the processes in the company, he is still considered a job starter. This has no influence on the employment contract.
It does not matter if the employee is a beginner. But on the salary can affect, because beginners do not have the income, as the “old hands”.
How does this affect banking?
For the banks, it does not matter whether there is a job starter in front of the counter. It is only important that the employment contract is not limited in time. Many former apprentices receive a permanent employment contract after their training without a time limit. After all, the company already knows the employee and can therefore do without a temporary employment contract. For this reason, loans for young professionals are possible. But this is only valid if the Schufa is flawless.
Loans for young professionals
New entrants have the same status at the banks as a longtime employee. This is especially true if the employment contract is not limited in time. But if that is the case, it can be harder to get started with loans for new entrants. The income is not guaranteed beyond this period and so, understandably, the banks have their problems. For a beginner with a permanent contract, the situation is completely different.
A credit should still be chosen wisely, because it raises the legitimate question of whether a career beginner wants to start with debt in his new life. After all, new entrants are very young people who only start their professional lives. The future is still uncertain. In addition, further education measures may be pending which are not paid by the employer and which the employee must finance himself. A loan can also be used for this later, but if there is already one, there may be difficulties with another pledge.