Who wants to take a loan, must prove his income. This is done by presenting the last three pay slips. Thus a loan without question to employers is possible at any time. The employer is not informed about the loan.
Why does the bank want to see the salary or payroll statements?
Before a credit commitment comes, the banks first check the submitted documents. In this they are not different from online banks. In addition to the current account statements, the last proofs of income are also important. Through them, the banks see not only the monthly income, because they could also be found on the bank statement. Here, the bank also learns whether there are already seizures. These are always recorded on the proof of income.
Normally, the employer is not contacted for loan approval. Basically, this does not matter to them when his employees take out a loan from a bank. Experience has shown that the employer is only informed if a wage and salary garnishment is due.
What loan approval is still necessary
For a credit commitment, the job and the employment relationship is important. With a fixed-term contract, it is difficult to get a loan approval at all. But there are also differences among employers. It is particularly easy for the employees who work in public service. You do not even have to be a civil servant, because the benefits that come with this employer also apply to the civilian employees, not just the civil servants.
A crisis-proof workplace brings advantages. The money is paid on time and the insurance in the event of illness is significantly better than in the private sector. Sick pay can be granted for up to six months. The banks like to cost something and a loan without asking the employer is signed quickly.
With a good credit rating, the banks quickly give out a loan without questioning employers to employees of the civil service. This workplace is crisis-proof and the bank therefore does not need to fear a loan default. People who work there are usually not unemployed. Unless the employee announces the employment relationship.
A comparison is always worthwhile
With a secure job and a good credit bureau, there should be no difficulty with a loan commitment. That is why a comparison is worthwhile, because the online banks offer even better conditions. Before a credit agreement is signed, it is always worthwhile comparing it to the credit comparison portals. These are free and neutral.