Today, the loss of a job is fraught not only with financial problems, but also with a loss of competitiveness in the market. Money is always needed, but anyone can find themselves in a financial abyss. At the same time, there is a category of freelancers who work for themselves all their lives. The income of such people may be several times higher than the official salary, but banks are reluctant to cooperate with such clients. They are classified as risky. You have to rely only on the decency of the client. So how to get a loan without official work in the Russian Federation?
Scheme
How to get a loan for officially non-working persons? Even for risk categories of citizens, banks have special products. Unemployed persons can apply for a loan at an overestimated interest rate (from 59%). At the same time, as a bonus, the bank will ask for only two documents. You should not count on a large amount of funds (up to 250 thousand rubles). It will be possible to receive funds in cash or by transfer to a card. The service charge in both cases will be the same. But the credit card additionally provides for a number of payments: from servicing plastic to cashing out funds. The process is simplified if the client has long been using the services of a bank and has a good credit history. Then you can simply ask for an increase in the limit of funds.
How to get a loan without official work on more attractive terms? You can provide collateral and receive a program with an individual interest rate. At low interest rates loans are provided for the purchase of durable goods.
How much give
In reality, not everyone can get a loan for the maximum amount. Before determining the limit, banks arrange a "interrogation" of the client. Employees ask about the age, marital status of a person, the availability of children, work experience and the intended use of funds. It is easiest to get a loan to a married woman with children. A good borrower has a higher specialized education, work experience of more than 10 years and a positive CI in the past. The presence of past arrears in the payment of arrears in the past is no longer a reason for refusing to lend. The bank may reduce the amount of the loan. Although much depends on the risk policy of the institution.
Even without a certificate of income, the bank can find out the size of the client’s “white” salary. To do this, a request is made to the Federal Tax Service in order to clarify the amount of taxes paid. Based on the figures received, the amount of salary paid is calculated. Although not all banks recognize this, such methods are used in practice.
All collected information is evaluated by a scoring system, that is, the level of customer solvency is calculated. The higher it is, the greater the likelihood of obtaining 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 may be a passport with notes on a recent trip abroad. Documents are also accepted for recently purchased assets, cars, active deposits or account statements with regular cash receipts for six months. These documents may be evidence 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 a debt repayment schedule, information about the effective rate and cost of the loan.
Express loans
Even if you find yourself without a source of income, you can still get borrowed funds . In recent years, express cash loans have appeared on the market. To apply for such a loan, you need to provide a passport and another document. It can be SNiLS, TIN or law. The decision to grant a loan is made within half an hour. Rates for servicing such loans are significantly higher than the average market. For example, Rusfinance Bank takes out expert loans at 71% per annum, and Home Credit at 59%. Moreover, the maximum loan amount is limited to 75 thousand rubles. It will be possible to return the funds by transfer to a bank account or through payment systems.
What's the secret
Express cash loans are an expensive pleasure. The amount of the overpayment under the contract may vary between 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 the commissions. This is a monthly service fee (7.5%), a fee for cashing out funds from a card (4-5%), a commission for each repayment of funds (from 2%), etc. Obligatory condition is also the execution of credit insurance. Tariffs range from “reasonable” 0.5-1% to sky-high 24%.
In case of early repayment, the commission is charged for the actual term of use of the loan. Therefore, the faster the client pays the debt, the more money he will save. Moreover, fines for early repayment are not provided.
Applications
On the Internet you can find a lot of advertising from banks that offer loans to individuals without official work. Online applications in recent years have become very popular. They increase the chances of getting a loan. Questions in the profiles of all banks are the same. It is enough to fill out an electronic form of the document and send it to several institutions. Here's how to quickly get a loan without official work.
Loan broker
How to get a loan if you don’t work officially, but the bank’s conditions do not suit you? You can use the services of a credit broker. He for a certain percentage of the loan amount (5-10%) will be engaged in the preparation of all documents and will take on future risks associated with the insolvency of the client. The only minus of this scheme is that the services of brokers are paid until the loan is approved by the bank. Therefore, many refuse this scheme.
Loan to unemployed and working informally
It’s hard to get a loan without an income statement, but you can. There is also great competition in the banking market. Credit institutions have to develop programs to attract customers.
A person who is not officially employed can get a loan without an income statement at an inflated rate. At the same time, the director or the accounting department of the company must confirm employment and the real level of salary.
Which bank is better to take a loan without official work? You can get up to 750 thousand rubles in OTP Bank. at 15.9% per annum for a period of 5 years. In the Renaissance Credit for the same period you can get 500 thousand rubles. at 29.1% per annum. At the Bank of Moscow, persons with informal employment can count on a loan of 3 million rubles. at 14.9% per annum, which must be returned within 5 years.
Customer requirements
The age of the borrower is from 18 years.
The client must be registered at the location of the bank branch.
The absence of a disability group.
Only with a good credit history in the past you can get a loan without official work.
Documents: passport of the Russian Federation + second document at the request of the bank.
Credit history
Before you get a loan without official work, you should make sure that the client fulfills the main requirement of the bank - it has a good credit history in the past. Deceive a financial institution does not work. Each bank checks the CI of its customers. The presence of delays in the payment of arrears in the past may be a reason for refusing cooperation.
CI is considered good if the client repaid the loans on time and in full. The category of the best also includes customers who have had one-time delays in paying debts 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 pay off the loan. Therefore, many banks send SMS reminders to their customers.
Non-disciplined are borrowers who repay a debt with a delay of 90 days. The presence of a valid reason, provided that it can be confirmed by a document, is the basis for obtaining a restructuring of the loan. This fact will also be recorded in the CI. The bank also will not issue a new loan to a client who has not yet paid off the old loan.
Other options
Still how to get a loan without official work? The borrower's labor activity will absolutely not interest owners of pawnshops lending money to private individuals. Their services are much more expensive than banking. Interest remuneration is calculated per day or week. That is, the rate specified in the contract must be multiplied by 365 days or 52 weeks.
How to get a loan without official work: borrower's advice
First of all, you need to compare the income with the desired loan amount. Monthly payment should not exceed 30% of revenues. If this condition is not met, then try to reduce the loan amount or increase the repayment period.
A good credit history, the presence of deposits in the borrowing bank, the ability to provide a deposit - the presence of any of these conditions increases the chance of obtaining a better loan.
Do not fool the bank. It is better to indicate a small but real salary in the application than a fictitious one.
Having a mobile phone today will not surprise anyone, but the ability to contact the client by a fixed number will be an additional advantage.
Conclusion
The ability to get a loan without a statement of income does not relieve the client of the responsibility for the return of funds. With timely repayment of the loan, the client will be able to use the same programs, but on more favorable terms. The appearance of delinquencies in the repayment of a loan may block access to cash. After repaying the loan on time, you can use the same programs at a more favorable interest. Banks will not cooperate with insolvent customers, even within the framework of a program with a high percentage.