Most often, obtaining a loan requires official earnings and employment in the last place of 6 months. But some banks allow you to get loans even with shorter periods of continuous work experience.
Loans for borrowers with 3 months' experience
There are a lot of offers for which you can get a loan with a work experience of three months. They can be divided into two groups - those that provide loans upon confirmation of three months of experience, as well as those that allow you to get a loan without any official employment at all. Another option is to attract guarantors or issue a pledge.
It is worth noting that it is the experience of 3 months that is indicated by banks as a starting point when receiving a loan. But applications with less seniority are almost always doomed to failure. Even large banks issue loans with three months of experience. For example, in Sberbank and Gazprombank.
Also, loans with experience of three months are in the "Bank of Moscow". But for their receipt in the amount of over 150 thousand rubles. it is required to provide a passport and a 2-NDFL certificate. With this experience, you can count on the amount of up to 700 thousand rubles at Unicredit Bank. with a rate of 18.9%.
With large amounts of lending, a limit is often set in terms of the need to work in the last place for at least six months. For example, Alfa-Bank and Rosselkhozbank have such requirements. Moreover, we are talking about continuous work experience. If you worked for 10 years before, and changed your place of work two months ago, it will be extremely problematic to get a loan.
Sometimes banks focus only on general seniority. For example, at VTB24 it must be at least a year.
Also, borrowers with minimal experience can get a credit card. But this type of lending is not always convenient, for example, when cash is required.
Loans without proof of work experience
To obtain an express loan, you only need a passport and an additional document to choose from. The peculiarity of this type of lending is that banks insure their risks and set higher rates for such loans, as well as limit the available amount of lending. Interest rates on express loans start at 20-30%.
So, having experience at the last place of work of at least 3 months, you can get a loan in the "Eastern Express Bank" in the amount of up to 500 thousand rubles. The interest rate is determined individually for each borrower and ranges from 22% per annum. In Renaissance Credit Bank you can get a cash loan up to 500 thousand rubles, the minimum length of service should be from 3 months. In this case, a copy of the labor and proof of income is not required. In the "Ural Bank for Reconstruction and Development" under the "Open Credit" you can get a loan in the amount of up to 1 million rubles. with a rate of 21% per annum. In Home Credit and Finance Bank, the Big Money 500 loan also does not require proof of work experience and allows you to count on an amount of up to 500 thousand rubles.
Some banks impose additional requirements in the form of a residence permit in the region of obtaining a loan or compliance with the established age range (as a rule, the age should be between 23 and 60 years old).
You can get a small loan without proof of work experience by contacting a microfinance organization. This method is also suitable for borrowers with bad credit history, because such organizations do not make inquiries with the BCH. But such loans should be resorted to only in extreme situations, tk. the overpayment on such loans is quite impressive.
Secured loans
If the amount that is provided for express loans is not enough, the borrower can get a loan secured by the property. Under such programs, you can get up to 80% of the value of the mortgaged real estate or car. These loans can be issued for any purpose. They allow an unemployed borrower to get a car loan and even a mortgage.
There are mortgage lending programs in Fora-Bank, Finam Bank, Bystrobank, BFG-Credit. It should be borne in mind that if the loan is not paid, the pledged property will be confiscated by the bank to repay the loan.
