A few years ago the credit without income was a phenomenon very, very rare.In order to get the desired loan, the bank had to carry a bunch of various securities, certificates and so on.But today is enough to show just a couple of documents (passport and one on the selection of a lender), and then get the required money.This is particularly interesting to those who receive part of their salaries "in an envelope."However, we are all well aware that banking institutions are not charities, so hedge their potential losses by incorporating risk of default in the interest rate.This automatically leads to a strong rise in the cost of borrowed funds.
so happened that the loan without income and guarantors - is one way to attract customers in a very tough competition.And here all good.In particular, luring unsuspecting people to their network by issuing promises high efficiency, ease of processing and low interest rates.Most often, it is typical for the segment of consumer lending.
themselves bankers say that credit without income is not too different from the standard program.It is less than the amount of loans granted, a simpler decision-making and high risks.By the way, about the latter.Suppose that a citizen N. acquired through bank assets a good refrigerator.However, one day, return the money stopped.Of course, the lender will write him a couple of angry letters to the descriptions of the monstrous punitive measures that await irresponsible citizen N. But that was the end, there is still a lot of people, which are also made out a loan without income, but pay for it properly.That's just the amount of their payments cover the risk and, in fact, the income foregone by the citizen N.
reality is that conscious borrowers much more than fraud.For as long as the loan without income is actively offered to the population, the percentage of overdue loans for such programs to critical level is not even close.Therefore, many financial institutions, seeing it as an excellent opportunity to fairly good earnings, actively promoting its financial services market.Statistics, by the way, shows that its dynamics is very playful.Also, do not forget that any bank is committed to providing the best possible service, while reducing the time required to design, it is one of its main components.
But where to get a loan without income?The answer is simple: look for ways to collaborate with the banks, who are leaders in the field of consumer.And to find - it's not the most important.Try to still provide documents that prove your ability to pay.This will help to significantly reduce the overpayment.But if you really really need a certificate of income - it is a problem, choose according to their preferences, but do not forget about this moment, as the effective interest rate.
