Jak długa przerwa w zatrudnieniu nie przekreśli szans na kredyt hipoteczny?

  • Zmiana miejsca pracy może oznaczać problemy dla osoby starającej się o kredyt hipoteczny – większość banków wymaga ciągłości zatrudnienia, ale są wyjątki.
  • Natychmiastowe podjęcie nowej pracy umożliwia otrzymanie pozytywnej decyzji kredytowej już po miesiącu, jednak tylko przy umowie na czas nieokreślony.
  • Większe komplikacje mogą pojawić się przy umowie na czas próbny lub określony –większość banków wymaga bowiem zatrudnienia na co najmniej 6 miesięcy wprzód i 3 wstecz.

Z „Barometru Rynku Pracy” przeprowadzanego cyklicznie przez Work Service wynika, że co piąty Polak planuje zmianę miejsca pracy w ciągu najbliższych 2 lat. Podjęcie takich kroków powinny jednak przemyśleć osoby, które w niedługim czasie będą ubiegały się o kredyt hipoteczny. Wyższe zarobki u nowego pracodawcy co prawda pozytywnie wpłyną na zdolność kredytową, ale przerwa w zatrudnieniu może oznaczać konieczność wstrzymania się z zakupem nieruchomości nawet na kilka miesięcy.

Niektóre banki zaakceptują nawet 2-miesięczną przerwę w zatrudnieniu

Większość banków przy staraniu się o kredyt hipoteczny wymaga od kredytobiorcy ciągłości zatrudnienia. Świadczy to o ekonomicznej stabilności klienta i jest dobrą prognozą w kwestii późniejszej spłaty zobowiązań. Jeżeli zatem osoba starająca się o kredyt podpiszę umowę na czas nieokreślony od razu po zakończeniu pracy dla poprzedniego pracodawcy, to może otrzymać pozytywną decyzję w banku już po miesiącu. Co jednak w sytuacji, gdy przy zmianie miejsca pracy dopełnienie formalności nieco się wydłuży i nastąpi luka w zatrudnieniu?

W takiej sytuacji oczekiwanie na kredyt hipoteczny może się wydłużyć  nawet o kilka miesięcy, co może oznaczać, że ktoś wyprzedzi nas w zakupie wybranej nieruchomości. Są jednak także takie banki, które akceptują 2 tygodnie, miesiąc, a nawet 2 miesiące przerwy między umowami o pracę o ile nową umowę mamy zawartą na czas nieokreślony. Jeżeli zatem mamy lukę w zatrudnieniu, a chcemy jak najszybciej otrzymać kredyt na wymarzone mieszkanie, to warto zwrócić się o pomoc do pośrednika kredytowego, który znajdzie ofertę dopuszczającą tego typu sytuację – mówi Katarzyna Dmowska z ANG Spółdzielni.

Uwaga na umowę na czas próbny

Zdarza się jednak, że zanim pracodawca zdecyduje się na stałą współpracę z nową osobą, proponuje jej najpierw umowę na czas próbny. Ten typ umowy zawierany jest na okres 3 miesięcy. Czasem takie rozwiązanie jest korzystne dla obu stron – również pracownik może sprawdzić, czy faktycznie praca w danym miejscu spełnia jego oczekiwania. Okazuje się jednak, że w większości przypadków taka forma zatrudnienia przekreśla szanse na kredyt.

Przy umowie na czas określony banki co do zasady wymagają od kredytobiorcy zatrudnienia od co najmniej 3 miesięcy przed złożeniem wniosku o kredyt hipoteczny i minimum na pół roku do przodu. Niespełnienie któregoś z tych warunków może skutkować odmową finansowania. Jednak i w tej kwestii polityka banków bywa różna. Należy bowiem pamiętać, że każdy klient traktowany jest indywidualnie, a jego sytuacja może być rozpatrywana z różnym skutkiem w zależności od banku – dodaje Katarzyna Dmowska.

Źródło: ANG Spółdzielnia

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