A fascinating journey, buying a new car, building a house or summer cottage … For all these and other needs, Russians often take out a loan - for many people it is easier to give a loan in small "portions" than to accumulate the required amount. Banks are happy to agree to issue a loan - after all, this deal is beneficial for both parties. Most of the credit institutions in their conditions necessarily note: "loans are issued only to working citizens." What if you urgently need a large amount of money, but you are officially unemployed? Is it possible to get a bank loan for a non-working person?
Instructions
Step 1
First of all, assess your ability to pay. If you are officially unemployed, but solvent (you work without an entry in your work record book or without drawing up an employment contract), you should pay attention to the so-called "quick loans" that are offered today by most commercial banks. If you need a relatively small amount of funds (up to 100 thousand rubles) and for a short period (2-3 weeks), then you can use the services of companies that offer operational loans in 15-20 minutes without collateral and guarantors.
Step 2
The percentage on such loans is slightly higher, but only two documents will have to be provided, one of which will necessarily be a passport. The second document is whatever you see fit. When applying for such a loan, you do not need to provide the bank with a certificate of income and a copy of the work book. Accordingly, the procedure for obtaining a loan is greatly simplified - after all, in the questionnaire you can specify any information about the place of work and salary, and no one can check without a work book. Such loans are offered today by most of the commercial banks. Financial institutions hold special promotions, within the framework of which you can take a loan.
Step 3
Contact credit agencies. In cases where you cannot solve the problem of obtaining a loan on your own, you can turn to special agencies that cooperate with commercial banks and assist citizens in obtaining loans for help. By contacting such institutions, you are most likely to receive a long-awaited loan. But for the services of an intermediary nature, the agency, of course, will require payment - about 5 percent of the total amount of funds you received. If these conditions suit you, the problem will be solved quickly and easily.
