How to get a loan officially not working

Today, no one will surprise illegal work. There is an earnings in humans, and stable, but there is no official employment. Most often, this state of affairs absolutely does not prevent people from living, but if necessary, it is possible to raise a loan with certain difficulties. Nevertheless, there is a way out of the situation.

For the Bank, a more priority client is a formal arranged person who can confirm its level of revenue by certificate from the place of work. But everyone understands that many firms are trying to optimize their tax expenses, therefore they pay the salary "in envelopes". In connection with this trend, banks began to develop special programs for officially non-working persons. Of course, the interest rate, the Commission on such loans is much higher, but the bank goes to a certain risk.

If a person does not work at all, in this case it will be quite difficult for him to get a loan. Of course, a business plan for the opening of his case can increase the chances of a positive decision on issuing credit funds, but still the risk is quite high, and not every bank will agree.

An additional guarantee of the return of the loan issued by an officially not working person can be a guarantee of a relative or acquaintance with the official stable income. In case of non-fulfillment of obligations, the Borrower Bank has the right to contact the guarantor demanding the repayment of the loan.

If the client can allow motor vehicles, real estate, other property, in this case the chances increase significantly. However, it should be understood that in the absence of loan payments, the Bank has the right to apply for mortgage property.

Do not hurry to make a loan in the first bank, which will agree to consider your application without income certificate. Spend a little time and compare the conditions of different banks, you may find a more advantageous offer. Some banks (Ji Mani Bank, Trust, ICD) offer a rather low interest rate that can please the borrower.

If you decide to take money from acquaintances, make a reservation for the return of funds. It will be better if all the nuances will be fixed on paper. Otherwise, the lender may suddenly demand the return of the entire amount in urgency, putting you into a difficult position.