How to get a loan without official work: a list of banks, documents and recommendations

Today, the loss of a place of work is fraught not only with financial problems, but also with the loss of competitiveness in the market. Money is always needed, but anyone can find themselves in the financial abyss. At the same time, there is a category of freelancers who all their lives work for themselves. The income of such people can at times exceed the official salary, but banks are reluctant to cooperate with such clients. They are classified as risky. Count only on the integrity of the client. So how to get a loan without official work in Russia?

The scheme

How to get a loan for officially unemployed persons? Even for risk categories of citizens, banks have special products. Unemployed persons can apply for a loan at an inflated interest rate (from 59%). In this case, as a bonus, the bank will ask for only two documents. Count on a large amount of money is not worth (up to 250 thousand rubles.). You can receive money in cash or by transfer to the card. The rate for maintenance in both cases will be the same. But the credit card additionally provides for a number of payments: from the maintenance of plastic to the cashing of funds. The process is simplified if the client has long enjoyed the services of the bank and has a good credit history. Then you can just ask for an increase in the limit of funds.

How to take a loan without having an official job on more attractive terms? You can provide collateral and get a program with an individual interest rate. For small interest loans are issued for the purchase of durable goods.

How many give

Not everyone can get a loan for a maximum amount of money. Before determining the limit, banks arrange "interrogation" of the client. Employees are asked about the age, marital status of a person, the availability of children, work experience and the targeted use of funds. The easiest way to get a loan to a married woman with children. A good borrower has a higher special education, work experience of more than 10 years and a positive CI in the past. The existence of repaid arrears in the payment of arrears in the past is no longer grounds for refusing to lend. The bank can reduce the loan amount. Although much depends on the institution's risk policy.

Even without a certificate of income, the bank can find out the size of the client's "white" salary. For this, a request is made to the Federal Tax Service with a view to clarifying the amount of taxes paid. Based on the figures received, the amount of the salary paid is calculated. Although not all banks recognize this, but such methods are used in practice.

All collected information is estimated by scoring system, that is, the level of the client's solvency is calculated. The higher it is, the more likely it is to obtain a loan on favorable terms.

We increase the amount

You can get a loan for a large amount by providing indirect evidence of solvency. This can be a passport with notes of a recent trip abroad. Also documents are accepted for recently purchased assets, auto, operating deposits or statement of account with regular receipts of funds for six months. These documents can be proof of solvency.

The client should be ready to quickly answer all questions of the bank. It is also important that employees do not "forget" to give the borrower documents on the loan - an agreement with the schedule of debt repayment, information on the effective rate and appreciation of the loan.

Express Loans

Even without a source of income, you can still obtain borrowed funds . In recent years, express cash loans have appeared on the market. To issue such a loan, you need to provide a passport and one more document. It can be SNiLS, TIN or right. The decision to grant a loan is taken within half an hour. The rates for servicing such loans are significantly higher than the average market rates. For example, Rusfinance Bank issues expert loans at 71% per annum, and Home Credit under 59%. At the same time, the maximum loan amount is limited to 75 thousand rubles. The money can be returned by transfer to a settlement account or through payment systems.

What's the secret

Express cash loans are expensive. The amount of overpayment under the contract can fluctuate within 30-50%. The nominal rate is usually set at 15% per annum, and sometimes even 0.01%. The cost of the loan is "hidden" in commissions. This is a monthly service fee (7.5%), a fee for cashing funds from the card (4-5%), a commission for each repayment of funds (from 2%), etc. An insurance loan is also required. Tariffs range from "reasonable" 0.5-1% to sky-high 24%.

In case of early repayment, the commission is charged for the actual period of use of the loan. Therefore, the faster the client pays the debt, the more money it will save. Moreover, there are no penalties for early repayment.

Requests

On the Internet, you can find a lot of advertising from banks that offer loans to people without official work. Online applications in recent years have become very popular. They increase the chances of obtaining a loan. Questions in the questionnaires of all banks are the same. It is enough to fill out the electronic form of the document and send it to several institutions. Here's how to get a loan quickly without official work.

Loan broker

How to take a loan, if you do not work officially, and the conditions of the bank do not suit? You can use the services of a credit broker. He will, for a certain percentage of the loan amount (5-10%), take care of the execution of all documents and assume the future risks associated with the insolvency of the client. The only drawback of this scheme is that brokerage services are paid before the loan is approved by the bank. Therefore, many refuse this scheme.

Loan to the unemployed and working unofficially

Take a loan without a certificate of income is difficult, but you can. In the banking market there is also a lot of competition. Credit institutions have to develop programs to attract customers.

A person who is not officially employed can obtain a loan without a certificate of income at an inflated rate. At the same time, the director or the accounting department of the firm should confirm the employment and the real salary level.

In which bank is it better to take out a loan without official work? In "OTP Bank" you can get up to 750 thousand rubles. At 15.9% per annum for a period of 5 years. In the "Renaissance Credit" for the same period can get 500 thousand rubles. At 29.1% per annum. In the Bank of Moscow, persons with unofficial employment can count on a loan of 3 million rubles. At 14.9% per annum, which must be returned within 5 years.

Customer requirements

Age of the borrower is from 18 years.

The client must be registered at the location of the branch of the bank.

No disability group.

Only with a good credit history in the past you can get a loan without official work.

Documents: Russian passport + second document at the request of the bank.

Credit history

Before you get a loan without official work, it's worth making sure that the client fulfills the main requirement of the bank - has a good credit history in the past. Deceive the financial institution will not work. Each bank checks the CI of its customers. The presence of arrears in payment of debts in the past may be the reason for refusing to cooperate.

CI is considered good, if the borrowed loans the client repaid on time and in full. The category of the best also includes customers who had a one-time delinquency payment for a period of not more than three days. According to statistics, the main reason for such delinquencies is that the client simply forgot to repay the loan. Therefore, many banks send SMS reminders to their customers.

Undisciplined borrowers are considered to repay arrears with 90 days overdue. The presence of a valid reason, provided that it can be confirmed by a document, is the basis for obtaining a restructuring on the loan. This fact will also be recorded in the CI. The bank will also not issue a new loan to a client who has not yet repaid the old loan debt.

Other options

Still how to get a loan without official work? The borrower's labor activity will not be of any interest to the owners of pawnshops lending money to private individuals. Their services are much more expensive than banking. Interest payment is calculated for a day or a week. That is, the rate specified in the contract should be multiplied by 365 days or 52 weeks.

How to get a loan without official work: advice of the borrower

First of all, you need to compare the income with the desired loan amount. The monthly payment should not exceed 30% of the proceeds. If this condition is not met, then try to reduce the loan amount or increase the repayment period.

A good credit history, the availability of deposits in a borrowing bank, the ability to provide collateral - the availability of any of these conditions increases the chance for a more favorable loan.

Do not deceive the bank. It is better to indicate in the application a small, but real salary, than a fictitious one.

The presence of a mobile phone today, no one is surprised, but the opportunity to contact the client on a fixed number will be an additional advantage.

Conclusion

The possibility of obtaining a loan without a certificate of income does not remove the responsibility for the return of funds from the client. With the timely repayment of the loan, the client will be able to use the same programs, but on more favorable terms. The appearance of delinquencies with the payment of a loan can close access to funds. After repaying a loan on time, you can use the same programs at a more favorable rate. Banks will not cooperate with insolvent clients, even within the program with a high percentage.