Informal employment with decent wages today will not surprise anyone. Employers are in no hurry to pay taxes, but they don’t want to lose good employees. However, specialists who work informally receive a number of inconveniences. First of all, it is the inability to take a loan from a trusted financial institution. However, you can still borrow money. Where to get a loan without official employment? A list of banks will be presented below.
What should be prepared for?
Getting credit approval for people who work informally is really difficult. Market leaders (Sberbank, VTB 24, Gazprombank, etc.) will not cooperate with such clients. In most cases, in order to borrow money, you must provide three documents: a passport of a citizen of the Russian Federation, an identification code and a certificate of income. The last document is not always required. At the same time, if a loan is issued for a small amount, the client must specify the work phone number in the application. A loan officer can call and ask if an employee is on staff.
Some financial institutions still take risks. There is an opportunity to get a loan without official employment and guarantors. Although the list of banks offering such a service is small, the client has a choice. Those who decided to complete the transaction should take into account a number of points. Firstly, these are increased interest rates. A financial institution is thus reinsured. Secondly, you need to understand that an impressive amount without a certificate of income cannot be obtained from the bank.
Promsvyazbank
A financial institution has a good rating and is popular with individuals. It offers favorable conditions for various categories of the population. You can apply for a loan without formal employment. It is Promsvyazbank that starts the list of banks offering such a service. For clients with official employment loans are issued at 16.9 per annum. But for those who do not provide a certificate of income, a deal will be offered on less favorable terms - at 26.9% per annum. At the same time, the maximum amount that can be borrowed is 200 thousand rubles. The maximum loan term is 2 years.
How to get a loan without formal employment? The list of banks Promsvyazbank does not start by chance. On loyal terms, those customers who have previously collaborated with financial institutions and executed deposit agreements can be served here.
Renaissance Credit
Where else can I get a loan without official employment? The list of banks is continued by the financial institution Renaissance Credit. It offers a variety of conditions for individuals. You can take the amount of up to 700 thousand rubles. The minimum rate will be 13.9% per annum. However, such conditions are offered for customers who have provided a full package of documents. In addition, for amounts over 200 thousand rubles a guarantor is required.
What conditions will be for those who do not have official employment? Renaissance Credit Bank offers such clients to take the amount of not more than 200 thousand rubles at 19.9% per annum. The maximum loan term is 45 months. Overpayment under such an agreement will be really high. Such a deal will be beneficial to those who need money here and now. If you pay the debt for several months, financial losses will be negligible.
"Credit Bank of Moscow"
This financial institution is worth paying attention to those who are interested in the question of where to get a loan without official employment. The company added to the list of banks not by chance. For people who are employed informally, inappropriate loans without collateral may be offered. Moreover, the rate may be small - from 22.5% per annum. Before receiving a loan, the client will have to fill out an application at the bank. Here it will be necessary to indicate, in addition to passport information, data on work, several phone numbers (mobile and landline).
A client can also apply for a loan in real time. The financial institution takes a decision on the conclusion of the transaction within a few days, and then notifies the client. The convenience is that a loan can be obtained on a plastic card. If the client makes payments on time, the financial institution will consider reducing the rate or increasing the limit.
Mast Bank
One of the few financial institutions offers to issue a loan agreement on loyal terms to people who do not have an official place of work. With the advent of the financial crisis, the cost of loans has increased significantly. However, Mast Bank continued to issue money under loyal conditions. Today, you can take up to 950 thousand rubles at 26.4% per annum. The maximum loan term is 24 months.
Experts from a financial institution competently assess risks and do not give out money to everyone. In order to get the desired amount you need to be as honest as possible with the bank. You should correctly indicate the level of your income, albeit not official. It is good if the employer can confirm this information.
Mast Bank also offers favorable deposit conditions. If the client has a deposit with the bank, the chances of obtaining a loan on loyal terms increase. It does not matter how the customer is employed.
"Bank of Moscow"
How and where to get a loan without formal employment? The list of Moscow banks will necessarily include this financial institution. Every Russian citizen has the opportunity to take money in cash on loyal terms. The rate for existing customers is from 13.9%. However, you should not count on such benefits for those who applied to the bank for the first time. People who work informally can receive up to 150 thousand rubles for 36 months at 23.5% per annum. Moreover, the higher the income, the more likely it is that a financial institution will approve a loan application.
Good conditions for a loan can get individual entrepreneurs. In order to receive more than 150 thousand rubles, you will have to provide, in addition to a passport, documents confirming the registration of the company.
You can apply for a loan in real time. To do this, you just need to go to the appropriate section of the official website of the bank and indicate all the necessary data. The decision to grant a loan is made within a few business days.
OTP Bank
A financial institution has been operating in the lending market for a long time, an impressive client base has gathered here. For those who do not know which bank to take out a loan without official employment, the list of banks should be studied in advance. An application will have to be submitted to several financial institutions at once, and one of them will be OTP Bank.
The company offers several
loan programs. Here you can buy
in installments a car or real estate. However, such transactions will still require formal employment. And for those who work without registration, you can take on credit up to 200 thousand rubles. The rate will depend on the term, as well as the amount borrowed. If the client wants to take less than 75 thousand rubles, a decision by the credit committee will be made in just 15 minutes. You can apply for a transaction in real time on the official website of a financial institution.
Bank Vostochny
Where and how to get a loan without formal employment? This company can replenish the list of banks. The institution offers consumer loans, as well as plastic cards. The decision on the conclusion of the transaction is made for each client individually. The expert evaluates the solvency of the client, specifies where and how long he was employed. It doesn’t matter if the potential client is officially working or not. The loan amount depends on income.
At Vostochny Bank, you can borrow up to 500 thousand rubles at 15% per annum. The maximum period for which a deal can be concluded is 36 months. The faster the debt is paid, the less the overpayment on the loan will be. The decision to issue funds to the borrower is made in 15 minutes. A preliminary application for processing the transaction can be submitted in real time.
Who can become a bank customer? The institution makes fairly loyal demands. A client can be any citizen of Russia aged 18 to 75 years (credit period is taken into account). Regardless of whether the potential client is formally arranged or not, he should be at least three months at the last place of work.
Online lending
Emergency loans are gaining popularity today. Many credit organizations are ready to give money to people who work informally. At the first registration of a transaction, loyal conditions are usually offered. In some cases, you can borrow money at 0%. Subsequent appeals will have to pay more than 30% per month. The overpayment is really impressive.
How to get a loan without formal employment? The list of banks is supplemented by various credit organizations, such as Zaymer, Mig Credit, Honest Word, Turbo Borrowing, Cabbage, etc. All that needs to be done to get money on credit is to provide passport data of a citizen of the Russian Federation, as well as payment details, by which the requested amount will be transferred. Money is credited to the borrower's account within 15 minutes.
Summarize
A loan can be beneficial if it is issued for a short period. It is worth considering that any transaction of such a plan involves an impressive overpayment. Especially great financial costs will be if the client is not officially employed.
There are many organizations that are ready to give money, but at the same time, high risks from the potential borrower are taken into account. So how do you get a loan without formal employment? The list of banks in St. Petersburg, Moscow, Yekaterinburg and other cities of Russia is presented above.