How to take a loan to the unemployed
In the life of every person there are situations when very quickly need a certain amount of money. Not everyone has secured friends, so sooner or later we still come to the Bank for a loan. The Bank understands that you can be officially unemployed, and unofficially have a very good income. The Bank does not want to lose such an opportunity to earn.
Any Bank is interested in lending. If you have a job, you will get a loan in 99% of cases. And what about those who need money, and there is no official employment? Tells Mirsovetov.
Credit as a sin, it is better not to take. Many people are afraid of loans like the plague. And rightly so. This is an indescribable long-term bondage, which is insanely difficult to get rid of.
In the life of every person there are situations when very quickly need a certain amount of money. Not everyone has secured friends, so sooner or later we still come to the Bank for a loan. Only the Bank – the organization is not charitable, left and right money does not distribute. Although and understands, that you can be officially unemployed, and informally have very even not bad income. The Bank does not want to lose such an opportunity to earn. Therefore, the so-called trust credit was created.
Loans based on trust
How to take a loan to the unemployed And the banks are going to meet us… Give money as much as we want to take with us as much as they want!
These credit products are relatively recent. Trusting in the majority of cases is triggered psychologically. I believe it means you need not to fall face in the dirt. This trust is expressed in the fact that for the loan you need to provide only a passport and TIN. No one will allegedly demand from you any guarantees of repayment of the credit. In fact, you repay the entire risk of the Bank, because the interest rate on such loans is often higher than 30% per annum. And before you decide to issue a loan positively, the Bank will still examine your credit history (whether you took a loan before and whether you fulfilled your credit obligations). Such loans, as well as all the others, should not be issued if you have the slightest doubt in your solvency.
Loans with surety
In this case, you need to find a person who will guarantee your solvency. The guarantor bears a large share of responsibility, and if you do not pay your monthly payments, it will have to do it. As a rule, therefore, it is very difficult to find a guarantor. But the loan amount in this case is not limited and the percentage is not as high as in trust transactions. But there are advantages. Under the guarantee issue any loans, you can even get a mortgage. It is important only to confirm their intentions with the necessary documents (from the Bank, construction company, showroom).
How to get a loan for unemployed is a Very risky type of lending. But, if you have a car, apartment, house, securities or other tangible assets and you are confident in your solvency, you can take the risk. The Bank you will not specify the sources of income, will offer an adequate interest on the loan, because they have significant guarantees for a refund. You can expect to receive a loan of up to 80% of the estimated value of the collateral. You understand, to mortgage the apartment in which you live, at least, silly. In our life, something is very difficult to predict, and to live with such a risk is problematic!
These are usually consumer loans, involving a small, strictly limited amount. The decision on the loan is made within an hour, the documents need a passport and TIN. No income statements, etc. May require two phone numbers (stationary) of your friends to confirm your identity. This should be taken care of in advance. Such loans can be issued via the Internet recently, but in this case you need to be extremely careful with the documents. The interest rate for such loans is also through the roof. But, if you are sure that you can return the money on time, you can take a risk.
How to take a loan to the unemployed is a Very popular type of credit. Many banks simply give such cards with a certain limit of funds at the time of registration of a salary or pension card. The limit increases with time depending on the cash turnover on the card. Usually the initial limit is equal to a two-month pension or salary. You can get a credit card quickly and for free, and not necessarily for yourself. If you do not have an official job, but there is a source of income – this is a great option. Some banks have unique benefits on these credit cards – if you repay the loan within 55 days, you will not be charged interest on the loan. Please note that when cashing out credit funds, the Bank will calculate for its services either a fixed amount or a percentage of the loan amount.
In my opinion, it’s really a last resort. But the growing popularity of such offices, says that risky people will never be transferred to Russia. So, you need a loan. You have already run around the banks and everywhere refusals, because you are unemployed or have a negative credit history. Here comes a kind uncle who can help with the papers. He’ll somehow miraculously get you a loan.
But! 100% probability of getting a loan no one gives you! Fee for services will take no small (25 percent of the loan amount), and even before the decision on the loan! And, attention, the broker will not be your guarantor, it generally cares little about your future life. He takes his Commission and is not responsible for anything! It may be that you do not get a loan at all, or get and will be responsible for possible further “consequences” yourself!
As practice shows, the probability of obtaining a loan depends largely on the Bank and a particular Bank employee. We in no case do not advise to bribe, but we recommend not to be lazy and knock on all doors! Each Bank has its own conditions, different interest rates, loan processing procedures. Therefore, if one Bank you refused, it is possible in the other will make a positive decision.
And a few words about solvency. Often on forums there are tips in the spirit: “the Main thing is to take the credit, come what may”. Such a Russian roulette. Don’t think that way. If you can not repay the loan, you will have a “fun” future – communication with collectors, litigation, loss of property, etc. Therefore, before taking the loan, be sure to find alternative sources of funds that you can use in case of unforeseen financial difficulties.