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Credit for temporary soldiers for a period of their choice

Temporary soldiers have undertaken to serve in the soldier for a period of their choice. After three years of service, you can apply to become a professional soldier, provided that you have acquired at least a qualified non-commissioned service level. The minimum duration of a duty to the time soldier is two years, the maximum possible service period is twenty years, or twenty five years in the medical service. Most temporary soldiers choose to serve two or four years, or twelve or fifteen years.

Temporary soldiers have a fixed-term contract

Temporary soldiers have a fixed-term contract

Banks take into account the term of the contract for a temporary soldier loan. Since the soldier receives a secure income until the end of the agreed service period, the granting of credit is unproblematic if the loan is repaid within the term of the contract. The military profession is one of the above-average dangerous jobs, since the soldier only accepts applications for service as a temporary soldier if the applicant is willing to go abroad.

Many lenders take into account the particular risk of military activity and require a residual debt insurance to be taken out for a temporary soldier loan. Missions abroad not only pose a threat to the time soldier, but are also associated with significantly higher income due to high allowances. In order that the time soldier can use the additional income to repay the loan, he ideally agrees the right to voluntary additional repayments without deduction of a prepayment penalty.

Temporary soldiers have access to official loans

Temporary soldiers have access to official loans

Official loans are discounted loans, which in addition to civil servants also receive judges and soldiers as well as long-term employees from some lenders. The status of a temporary soldier is similar to that of a civil servant, but some deviations are justified by the Soldier Act. Similar to civil servants, temporary soldiers are protected from being fired by the employer unless they commit gross misconduct.

In addition, the time soldier’s credit is secured by the fact that the soldier can only quit the service in exceptional cases and with the consent of his employer. This means that the lender has even greater security than the official customer during the current soldier’s period of service, since an official can fundamentally terminate the employment relationship. The payment of remuneration for temporary soldiers is also guaranteed by the state. At the same time, the income of a temporary soldier is sufficient to meet the cost of living and to repay a loan taken out.

The credit and the employment law

The credit and the employment law

The law on soldiers obliges a soldier member classified as a secretary to disclose possible over-indebtedness to the employer. The roster has already been classified as “secret – only for official use”, so that every time soldier is a secret agent. However, the obligation does not mean a simple loan for a temporary soldier.

The corresponding regulation in the Soldiers Act only refers to a situation in which the time soldier has to serve more financial obligations than is possible with the soldier. Since soldiers, like all borrowers, pay attention to responsible borrowing, this fact is almost the case, so that no time soldier has to report borrowing to his employer.

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