Informal engagement with decent wages today will come as no surprise to anyone. Employers are in no hurry to pay taxes, but they don’t want to lose good employees. However, informally working experts face a number of inconveniences.
First, it is impossible to take out a loan from a proven financial institution. However, it is still possible to borrow money. Where can you get a loan without formal employment? A list of banks is shown below.
What should be done?
In most cases, in order to borrow money, you need to present three documents: a passport of a citizen of the Russian Federation, an identification code and an income certificate.
The last document is not always required. At the same time, when a loan is issued for a small amount, the customer must provide the business phone number in the application. A loan officer can call and clarify whether an employee is employed.
Some financial institutions are still taking risks. It is possible to get a loan without formal employment and a guarantor. The list of banks that offer this service is small, but the customer has a choice.
When deciding on a deal, you should consider a number of points. First, there are higher interest rates. The financial institution is therefore reinsured. Second, you need to understand that without an income certificate, it will not be possible to receive an impressive amount.
The financial institution has a good rating and is popular with individuals
It offers favorable conditions for different population groups. You can apply for a loan without employment. The list of banks that offer this service starts exactly with Good Finance.
Loans of 16.9 per year are granted to customers with official employment. But those who do not submit a profit and loss account receive an offer on less favorable terms – at 26.9% per year. At the same time, the maximum amount that can be borrowed is 200 thousand dollars. The maximum loan period is 2 years.
How do I get a loan without formal employment? A list of banks “Good Finance” does not start randomly. Customers who have previously worked with financial institutions and have concluded deposit insurance contracts can be served hereunder loyal conditions.
Where else can you get a loan without official employment?
The bank list goes on to the financial institution “Good Credit”. It offers a variety of conditions for individuals. You can take the amount of up to 700 thousand dollars. The minimum rate is 13.9% per year. However, such terms are offered to customers who have submitted a full package of documents. In addition, a guarantee for amounts over 200 thousand dollars is required.
What are the conditions for those who do not have an official job? Good Credit Bank offers such customers to purchase an amount of no more than 200 thousand dollars at 19.9% a year.
The maximum term is 45 months. An overpayment under such an agreement will be very high. Such a deal will benefit those who need money here and now. If you pay the debt for several months, financial losses are negligible.