Taking out a loan with a fixed-term contract is not easy. If it then becomes more difficult that Credit Bureau has also recorded a negative entry, the search for a suitable loan becomes even more difficult. Which paths lead to a loan without Credit Bureau and with a limited contract is to be clarified here.
Nothing is impossible
An open-ended employment contract is no longer uncommon these days. Many employers keep the option open to be able to plan their staff flexibly and without great pressure to dismiss. Because while there are certain deadlines that have to be observed in the case of a regular termination and often severance payments also flow, termination can take place overnight with a fixed-term contract.
Very annoying for the banks, because they have no security that the loan can be paid over the entire term. If you have a negative Credit Bureau entry as a borrower, most banks turn completely away. This can only be remedied by a second borrower who has a permanent employment contract, earns a lot of money and also does not carry around negative Credit Bureau entries.
Because even a Swiss loan that is so popular and that is known to get by without a Credit Bureau requires a permanent employment relationship. So if you want a loan without Credit Bureau with a fixed-term contract, you have to bite the bullet and look for a co-applicant.
Another option would be a very solvent guarantor. However, the bank will only accept this if there is no co-applicant and if the loan amount is not too high. The guarantor can also be sued if the debt is not paid. However, this is somewhat more complex than with a co-applicant who can be asked to pay directly for a loan without Credit Bureau with a limited contract.
It is not worth starting any experiments on such a prerequisite and hoping for a loan from dubious middlemen. Since you only have a chance of financial support if you get help, you can also apply directly to the house bank. Here, the interest is cheap and you don’t have to pay any fees for mediation or the like.