Notaries public are often wary of a person with a mortgage, to provide that a person does not have a fixed contract. That is, while employed by a lot of companies will no longer be the norm. Therefore, argue the experts make sure that there is more to look at a person's creating job mobility, rather than to the type of contract.
A contract has to apply for a mortgage is still the 'holy grail'. Because the companies have a permanent staff find it difficult to dismiss them, it is their income is more secure than that of the temporary agency workers or self-employed persons.
The flip side is that many of the permanent staff are difficult to find new work for you to find out when they have their jobs, still are losing. It is one of the keys to our mortgage application more are looking for opportunities, rather than to the type of contract.
A third-party does not have a fixed contract -
in The last couple of years, the proportion of people that are not dealing with a xed-term contract has substantially increased. They are employed on fixed-term contracts, temporary agency workers, self-employed or a business owner. "Today, 34 percent of the employed does not have a fixed contract contract. We have to be on to something. I think we need to look at the background of the mortgage applications," said Peter Boelhouwer, professor of Housing Systems at TU Delft, the netherlands.
“a man with a permanent contract can be a disadvantage at the moment is that the employer is in trouble.”He Muters, NHG director
He pointed out that this used to be a lot more going on. "When we did that, and called it a explainhypotheek. It was just a little bit out of hand. In a given one-third of the mortgages in an explain. This has now been reduced to a few percent of the time. But then again look at the real risk, however, is the way we need to."
temporary workers and employers to be flexible < / p> NHG director, He Muters, it is this. "We believe that these groups are not at all negative scores with respect to the affordability of their mortgage. In fact, with a xed-term contract can be at a disadvantage at the moment is that an employer will run into problems. A lot of services are, in fact, be flexible as to what else to do with it and the business owners are flexible when it comes to new business opportunities, to seek.
Boelhouwer points out that, in recent years efforts have been made to gain access to a home mortgage to be increased. Temporary employees can be a so-called perspectiefverklaring applications. This indicates the likelihood that a person's mortgage loan can continue to pay for it. "If you have a contract with a temporary employment agency, you can, therefore, be easier to get a mortgage. That is, it is started in the centres and is now being scaled up."
Looking to the future
A similar solution is to use the arbeidsmarktscan. NHG, it is this, along with a number of lenders, as a pilot project. The arbeidsmarktscan brings into focus the career of a hypotheekaanvrager. In addition, we will look at how likely it is or a person the income of which the amount of the mortgage loan has been based to hold. The first mortgage loan on the basis of a arbeidsmarktscan, it was at the beginning of this year.
"It's going to be the question of how, on the basis of the programme, the profession and the industry in which they work assess what is in the future. The arbeidsmarktscan will be awarded. For us, it is a way to get a lot more into the future, to look at it, ' explains Muters out.
The organization wants to move forward. "We believe in the foundation that we need to look at income. We would have to look to the future instead of looking at the contracts of the past."