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 staffing), no one is insured: neither a civil servant nor an employee. Even if you receive a permanent income, but it is not confirmed by an appropriate entry in the workbook, you are an unemployed 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 thing 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 you can forget about loan money: the bank will not risk.

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

• without providing information about the income received;

• 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 within 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 with an 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.

Also, a private investor can provide a loan to an unemployed person. 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 issues a loan to an unemployed person. That is, all citizens receive unemployment benefits, the citizen receives only one amount, but only if he successfully defends his business plan and completely passes the procedure for registering his case.

There is another answer to the question of where to get a loan for an unemployed person. 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 such businessmen is 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, the awl in a sack is not concealed, then all responsibility rests on the lax weakness of the unemployed. Mediators, of course, can not be found. Therefore, a hundred times think, is it worth the risk?