Hello, I work in Germany, through an intermediary company from Bulgaria. Here we are on a business trip, we are on indefinite contracts with the Bulgarian company intermediary, but we pay taxes, insurances, etc. in Germany. I am a little over a year old and I want to know if anyone has experience with taking a loan. I want something like 4000-5000, maximum 7000 euros. 1. What documents are more or less required. 2. Is it important to be on an indefinite contract, because after NG we have signed a new company, where we will be trained and de facto we will no longer be on indefinite first months. 3. My salary after taxes and insurances is about 1100 euros, will that be enough. 4. If I go to the bank with a translator do I have any chance or will it be too frivolous, they will cut me 5. The most important thing for me is that I do not want to engage anyone, ie.
1 tom_bi_ktn answered
First, I don't know how you work with an intermediary company and your insurance and taxes are paid and kept in Germany? Is the intermediary company Bulgarian? Secondly, if somehow everything is registered in Germany as you say, you should have an address registration here, a bank account, a tax number, ie a full set of documents proving that you live and work in Germany absolutely legally, with which to apply for credit. Third, banks in Germany have nothing to do with banks in Bulgaria, and loan installments are determined by your salary and your capabilities, and in the event of a delay, no one will start calling you on the phone to remind you of the installment. Fourth, and most importantly, you are on an indefinite contract, which shows possible instability, and it will be a miracle if a bank decides to grant you a "trust" loan. Despite everything, there is one possibility left, you say that everything is paid for here, not in Bulgaria, so there is no way not to have a giro account in a bank. You go to the bank in question, to which you are a client, and there is minimal chance that they will invent something on your issue. Last - you've been working here for a year, and you need an interpreter? What the hell are you doing for not learning German ?? Das kann nichts wahr sein ...