today from a reduction (which for some reason, often referred to as optimization of staffing), no one is immune, neither a civil servant nor an employee.Even if you get a steady income, but it is not confirmed by the relevant record in the workbook, you are - unemployed citizen.But it may be that of a public servant, and an employee, and unemployed there is a need for a large sum of money that you can borrow only from the bank.And from that moment people begin to delve into such a thing as a loan unemployed.
What is the main difficulty?The fact is that one of the main criteria for assessing the possibility of issuing a loan is to assess the client's solvency.And if he can not prove their income, the money of the loan can be forgotten: the bank will not risk it.
Still unemployed can take the credit.There are a number of opportunities to obtain it:
• without providing certificates of income received;
• using brokerages;
• referring to the private investor;
• taking credit for business.
In the first case, the unemployed loan is issued under one of the programs of rapid lending.Their main disadvantage - cannibalistic interest rates.Thus the lender is trying to protect themselves from the risk of non-repayment of debt by unscrupulous borrowers.
In the second case it is necessary to cooperate with the organization that supposedly interested in helping people.In fact, its profit - the commission paid to address.Most often borrowings involving brokers are at high interest rates.In addition, also have real estate or car as collateral to provide.My advice to you: do not mess.
also loan unemployed can provide and a private investor.But here without security is not exactly necessary.It should also be aware that the activities of these benefactors is not controlled by anyone.The consequences of such "partnership" relationship is difficult to predict.Well, when all is well.And if not?
latter option is completely legal.It gives the government loan unemployed.That is, all the provisions of unemployment benefits citizen receives one lump sum, but only if the successful protection of its business plan and fully passed the procedure of registration of the business.
There is one answer to the question, where to get a loan unemployed.We are talking about illegal aid.I'm sure many have seen the ad, the meaning of which is that some intermediaries promise his help in getting a loan.With particular emphasis on the fact that the level of income and credit history is irrelevant.
essence of cooperation with such dealers is as follows.Unemployed citizen receives a fake stamp in the work book and goes to the bank.If the scan jobs bank manager will call the "enterprise", which allegedly operates the borrower, then a special person (dummy) confirms this fact.However, it should be understood that such schemes only work if the credit and financial organization is young, that is, in the sense that her customer base is limited.If, as they say, a pain in the bag hide fail, then the whole responsibility falls on succumbed to weakness unemployed.Intermediaries, obviously, can not find work.So think a hundred times, it is worth the risk?
