Today, some banks in pursuit of expanding their loan portfolio are ready to take high risks and issue loans to the unemployed. But such loans have their own specifics.
It is necessary
- - passport;
- - additional document to choose from;
- - pledge;
- - guarantors.
Instructions
Step 1
In Russia, it often happens that a borrower is only officially unemployed. In fact, he works and receives income. Banks, unlike tax authorities, do not perceive this as a violation of the law. For them, the main thing is that the borrower pays the loan in good faith. The only thing is that banks try not to use the term “credit to non-working”. This type of loans is called a loan "without certificates and guarantors."
Step 2
Loans without proof of income and employment are also popular with borrowers who receive a gray salary. Their official income does not allow them to take the required amount.
Step 3
Consumer loans in cash without the need to confirm income can be obtained from Renaissance Credit (maximum amount up to 500 thousand rubles), Sovcombank (up to 300 thousand rubles), OTP Bank (up to 400 thousand rubles),
Step 4
Today, you can take out a loan without reference, not only a small amount of cash, but also make such large purchases as a car loan or a mortgage. So, mortgage loans on two documents (passport and additional) can be obtained today at VTB24 and Sberbank. True, for this you need to make an initial payment of at least 35%, and the interest rate will be slightly higher than for a classic mortgage loan.
Step 5
Today, VTB 24 (Auto Express loan), UralSib (Standard car loan), Rusfinance Bank (Forsage car loan) have programs for car loans without income confirmation. Only a new car can be purchased with them. Used cars without certificates can be purchased using the programs "Unicredit Bank" (car loan "Used car without hull insurance"), "Eastern Express Bank" ("AutoCash"), "Absolut Bank" ("Two documents").
Step 6
Some banks, although they do not require proof of income, put forward additional requirements for such borrowers. For example, they may request documents that indirectly prove the borrower's solvency. Among them, a certificate of ownership of expensive property, an extract from a bank account, a passport with a mark and a trip abroad for the last six months, etc. For example, the Finam Bank issues loans over 300 thousand rubles. "Secured by securities."
Step 7
Finally, banks are quite willing to issue loans to owners of expensive property that can be formalized as collateral. The bank's risks in this case are reduced. After all, if the borrower stops paying the loan, he can take the pledged item into ownership and sell it as a loan. So, in "SB Bank" there is a program "Mortgage pawnshop", which allows you to receive a large amount (over 500 thousand rubles) without confirmation of income secured by real estate. There are similar offers in Fora-bank, Bystrobank, BFG-credit.
Step 8
Many banks issue large loans without confirmation of income only against a surety. For example, such loans are offered at Rosselkhozbank, Mastbank, Primsotsbank, ITB Bank.
