B
blue08
Guest
I need to borrow around €15,000 but don't want to apply unless I can be sure of approval.
I have been in permanent employment for the past 2 months, salary €35k and could easily repay the loan, I have no outgoings to worry about apart from rent.
What might go against me is that prior to this I have not had a regular income, I did contract work and had also taken significant time out due to illness and a year ago I returned from being away travelling, so my account has usually been close to empty or overdrawn and I have no savings.
My question is, is it enough to be in permanent employment when a lender is evaluating your status, or does a certain time period of several months or years have to elapse before they will trust you with a loan?
I have never borrowed before, so there is no track record to go on. I ran up some credit card debt around 8 years ago when a student.
Thanks in advance for any comments or advice.
I have been in permanent employment for the past 2 months, salary €35k and could easily repay the loan, I have no outgoings to worry about apart from rent.
What might go against me is that prior to this I have not had a regular income, I did contract work and had also taken significant time out due to illness and a year ago I returned from being away travelling, so my account has usually been close to empty or overdrawn and I have no savings.
My question is, is it enough to be in permanent employment when a lender is evaluating your status, or does a certain time period of several months or years have to elapse before they will trust you with a loan?
I have never borrowed before, so there is no track record to go on. I ran up some credit card debt around 8 years ago when a student.
Thanks in advance for any comments or advice.