Agency workers usually face difficulties to obtain mortgage loans as banks consider their future employment and earning capacity not secure enough.
In 2017, the Dutch association for employment agencies (ABU) created, together with banks, an accredited method allowing a big data assessment on one's future employability and earning capacity. The result of the assessment is presented in a "Prospect Statement" that banks can use in their decision to provide the loan. By doing so, a worker's future labour market perspectives - rather than his or her current employment contract - is providing security to third parties.
3,500Prospect Statements provided
1,200agency workers accessing housing
➡ ABN AMRO, Aegon, BLG Wonen, Florius, ING, Obvion, Rabobank, Regiobank, SNS, Delta Lloyd (and others)