Today, no one is insured against discounts (which for some reason is often referred to as staffing optimization): neither a civil servant nor an employee. Even if you get a steady income but not confirmed by the item in the workbook, you are an unemployed citizen. However, it may happen that a public servant, an employee and an unemployed person need a large amount of money that can only be borrowed from a bank. And from that moment on, people begin to dive into things like a loan to an unemployed person.
What is the main problem?
The fact is that one of the main criteria for assessing the possibility of granting credit is the assessment of the client’s solvency. And if in any case can not confirm your income, you can forget about the money from the loan: the bank will not risk it.
And yet you can take out a loan to the unemployed. There are a number of ways to get one:
- without providing income confirmation;
- through brokerage houses;
- contacting a private investor;
- taking over a business loan.
In the first case, the loan is issued to an unemployed person as part of one of the express loan programs. Their main disadvantage is cannibalist interest rates. Therefore, the lender tries to protect himself from the risk of default by unscrupulous debtors.
In the latter case, an organization wishing to help people will have to cooperate. In fact, his commission profit is paid to those who applied for it. Most often there are loans involving brokers at a high percentage. In addition, you will also need to provide real estate or cars as collateral.
A loan for the unemployed can provide a private investor
But then without security simply can not do. It should also be aware that the activities of these benefactors are not controlled by anyone. It is difficult to predict the consequences of such “partnerships”. Well, when everything’s fine. And if not?
The last option is entirely legal. Here the state gives the unemployed a loan. This means that a citizen receives all the unemployment benefit to which he is entitled, in one amount, but only if his business plan is successfully defended and the procedure for registering his business is fully negotiated.
There is one more answer to the question where to get the loan
This is illegal aid. Many have seen ads whose meaning is that some intermediaries promise their help in obtaining a loan. In this case, particular emphasis is placed on the fact that income levels and credit history do not matter.
The essence of cooperation with similar businesses is as follows.An unemployed citizen gets a fake stamp in a workbook and goes to the bank. If, when checking the place of work, the bank manager calls the ‘business’ where the debtor is allegedly working, then this is confirmed by a special person (fake). However, you have to understand that these systems work only when the credit and financial institution is young, that is, its customer base is limited. If, as they say, the secrecy in the bag to be hidden does not work, then all responsibility falls on the submissive weakness of the unemployed. Of course, the intermediary cannot be found. So they think a hundred times that it’s worth the risk?