Nowadays, no one is safe from the fact that in an instant they can lose their job. At the same time, many find a source of income, but it is unofficial, i.e. in fact, the person's employment is not registered in the work book. But even in such a situation, it is quite possible to take out a loan.
It is necessary
- - a pen;
- - paper;
- - passport or driver's license.
Instructions
Step 1
The main problem of a person who works unofficially is the lack of an income statement. And without this document, many banks refuse to work with potential clients. However, there are lending institutions that issue express loans or loans without income certificates.
Step 2
To do this, simply contact the bank with your passport and fill out the form. Some banks require another document, such as a driver's license or military ID. The procedure for considering an application is to familiarize yourself with your credit history. If you previously took out loans and repaid them on time, then most likely you will not be denied this time either. But if you are an unscrupulous borrower, then, most likely, you will not receive a loan.
Step 3
Remember that providing express loans and loans without income certificates is a rather risky type of operation for a bank. Therefore, you will have to pay for the risk of the bank with a high interest rate. In addition, these types of loans are usually provided in a small amount, you will receive a maximum of 100 thousand rubles. Banks are more likely to give you money if you have any property: housing, cars, etc.
Step 4
If a bank loan is not your option, then you can try to get money through a job center. But for this you need to register as unemployed. The state can give you money, provided that you register as an individual entrepreneur, draw up a business plan for the project and successfully defend it. However, unlike a bank loan, this money is earmarked for business development, so you will have to account for its use.
Step 5
Another way to take a loan to an officially unemployed person is to borrow it from a private investor. You will be able to agree on all the terms of the transaction on an individual basis. Conditions in such firms may be even better than in some commercial banks. But the percentages on them will most likely be higher.
