Credit for the unemployed
Are you unemployed and still receiving credit? Basically, it’s a rather unfair fact: the less capital you have, the less likely you are to get a loan, even if a loan is needed when there is not much. It is understandable that the bank is not just a profitable business, but also a simple repayment of the money it makes available to the borrower.
It is necessary to differentiate between loans without and loans with pledge – for an unemployed it is basically impossible to obtain a loan without a pledge. Because you can provide collateral either as property or as real estate, as insurance or other collateral for the house bank or even for the regular income achieved.
On the other hand, those who are unemployed because there is no need for regular employment and the income can be earned in other ways, such as renting or leasing or investing in fixed assets, are of course better – it always depends on the situation of the client, whether a credit note is given or not.
Granting of a loan
When conditions are limited, it becomes more and more difficult: if a person is unemployed and without income and looking for a loan, as described above, only securities that need to be provided for the granting of a loan remain – and even then refuse In principle, many credit institutions grant loans on such occasions.
One has the possibility of a mini-loan from the social services office or the employment agency – but it is rather an advance on the next monthly payments and not a real loan. Basically, of course, the basic question of how important it is to take out a loan, if no fixed income is achieved – if the loan business, for example, to start a business is necessary, then you are not de facto unemployed, but looking for a loan for start -up – Under these conditions, the situation of the borrower is judged differently than if you as an unemployed simply the desire to buy a new car or goes on vacation.