Credits gradually become part of our lives. They are addressed by people according to different life circumstances. Situations can be comprehensive in financial plan, or in vital.
But, not all citizens work officially. Part of people work on the employment contract, part of people are unofficially employed and receive salary in the envelope.
And the question arises that interests many — is it possible
When a person is officially officially, when contacting a bank for a credit product, he can take a certificate from work — 2-NDFL. This certificate shows official deductions, and it is issued only from the place of work by an accountant.
This certificate must have official details of the company, and must be certified by the head seal of the enterprise. If the employment is unofficial, this certificate from work cannot be obtained.
Not always wages to employees are issued in cash. Companies can enjoy transfers to bank cards. In this case, it is worth seeking a loan to the bank where the salaries comes. In this case, there is a confirmation of the stable income of the potential borrower, so you can do without collecting references from the place of work.
Currently, banks advertise simplified receipt of credit products — without references and guarantors. In fact, it will be necessary to fill out a questionnaire for a loan. Basically, there are passport details, place of work and position, salary size, as well as the desired loan amount.
Another service from banks that has been distributed relatively recently. Banks offer potential borrowers Fill out an application for a loan online — using the Internet.
Under such applications, banks are usually not asked to provide any additional documents and references. You are sending a bid, the bank considers it, and makes a decision on your application.
If the bank responded positively to the application, you will be offered several options for receiving a map — to come to the department and pick up personally, or make delivery of the card by the courier.
Delivery by the courier is free, and you can deliver it to your home. To sign a contract, it will be necessary to provide its passport of a citizen of the Russian Federation to confirm the person.
If in the past you have proven yourself as a conscientious borrower, and have a good credit history, you are an honorary client for the bank. Banks practice the issuance of special offers for regular customers.
Even if at the moment you do not work officially, and you will not be able to provide references — you can get this offer.
If you need a small amount, most likely you will not be asked to confirm your income, the availability of certificates from the place of work. Moreover, in addition to official income, a person may have unofficial — and banks also take into account this. Therefore, for small credit products, banks are rarely asked to collect all the necessary documents.
In addition to banking organizations in the financial market there are also microfinance organizations. Their difference from banks is that you can get a small amount, and for a short time. But the interest rate is much higher than in banking institutions.
However, currently there are microfinance organizations that provide loans without interest rates for new customers. Accordingly, if the cash is needed very urgently, and you are sure that you can return them on time, you can contact the microfinance organization.
If the woman worked officially, and went on maternity leave, she has the right to apply for a loan. It has officially confirmed income — it can be a manual from work, or childcare leave. In this case, the certificates are not necessary to collect. But, in this case, you can get a refusal if the amount of the benefit will be insufficient.
Thus, we see that even working unofficially, you can get a loan. Of course, the decision in any case remains behind the bank.
If you do not have any income at all, then the bank will most likely refuse you — after all, you can not pay off your credit commitments.
We hope that the material was useful to you, thank you for reading to the end.