A consumer loan is a very common and demanded way to attract additional funds to solve emerging financial problems and needs. Some banks, trying to attract customers, strive to ensure maximum ease and speed of loan processing.
Instructions
Step 1
Some banks, when applying for a consumer loan, require a minimum set of documents from the client. Providing a loan without a work book is a very common phenomenon. You must have a passport and any other document of your choice, and apply for a loan. This seemingly risky approach to lending is due to the real state of affairs in modern society. Today, it is not uncommon for a person to work unofficially, or the level of his “white” salary does not allow obtaining a bank loan.
Step 2
Please note that under such conditions, most often, monetary amounts are issued small and for a short period. Interest rates are high, which is due to the increased risk of loan default under such loyal conditions of its issuance.
Step 3
If you decide to apply for this consumer loan, carefully study the conditions offered to you. Pay attention not only to the interest rate, but also to the method of its repayment, the size of commissions and penalties for early repayment of funds. To understand if this agreement will be beneficial for you, calculate its total cost. Bank employees will help you with this.
Step 4
Since 2010, an agreement has been in effect according to which a loan can be provided to unemployed people wishing to open their own business. To obtain such a loan, you must register with the employment service and give strong arguments so that the bank will give you a loan without a work book. The loan amount must not exceed $ 15,000. Its maturity is 2 years. And you can get money only 2 months after the loan is issued.
Step 5
You can get a loan without providing a work book by presenting a passport with recent stamps about a recent trip abroad, as well as by presenting documents for real estate or a vehicle.
