Is it possible to get a loan for an unemployed citizen?

Today, from the reduction (which for some reason is often called the optimization of the staffing), no one is insured: neither a civil servant nor an employee.

Even if you receive a steady income, but he does notconfirmed by an appropriate entry in the workbook, you are not an employed citizen. But it can happen that both the civil servant, the employee, and the unemployed will need a large sum of money, which can only be borrowed from the bank. And from that moment on people begin to delve into such a concept as a loan to the unemployed.

What is the main difficulty?The thing is that one of the main criteria for assessing the possibility of issuing a loan is an assessment of the client's solvency. And if he can not confirm his income, then the loan money can be forgotten: the bank will not risk.

And yet you can take out a loan for the unemployed. There are a number of possibilities for obtaining it:

• without providing a certificate of income;

• with the help of brokerage offices;

• by contacting a private investor;

• Taking a loan for business.

In the first case, a loan to an unemployed person is formalized inwithin the framework of one of the express lending programs. Their main disadvantage is cannibalistic interest rates. Thus, the lender tries to protect himself against the risk of debt default by unscrupulous borrowers.

In the second case, we will have to cooperate withan organization that is supposedly interested in helping people. In fact, its profit is a commission paid to the person applying. Most often, loans with brokers are concluded at a high interest rate. In addition, you will also need real estate or auto as security to provide. My advice to you is: do not mess with me.

A loan to the unemployed can also be provided by theprivate investor. But here you can not do without security. It should also be realized that the activities of such benefactors are not controlled by anyone. The consequences of such "partnership" relations are difficult to forecast. It is good when everything is good. And if not?

The last option is completely legal.Here the state gives the loan to the unemployed. That is, the citizen receives all the unemployment benefits that he receives with one sum, but only if he successfully defends his business plan and has completely passed the procedure for registering his case.

There is one more answer to the question of where to get a loanunemployed. It is about illegal assistance. Surely many have seen ads, the meaning of which is that some intermediaries promise their help in obtaining a loan. At the same time, special emphasis is placed on the fact that the level of income and credit history does not matter.

The essence of cooperation with similar businessmenis as follows. An unemployed citizen receives a fake stamp in his work book and goes to the bank. If the bank manager calls the "company" when checking the work place, where the borrower allegedly works, then a special person (dummy) will confirm this fact. However, one must understand that such schemes work only if the credit and financial organization is young, that is, in the sense that the client base is limited. If, as they say, an awl in a sack can not be concealed, then all responsibility rests on the lax weakness of the unemployed. Mediators, of course, can not be found. Therefore, a hundred times think about whether to take chances?