How to apply for a loan.
In real life, no matter banks or online lending platforms, there will be professional risk control departments to evaluate borrowers' repayment ability, one of which can best show borrowers' repayment ability is to stabilize their work and income.
If there is no income, then the money lent by the platform may not be collected, which will be the loss of the platform.
With so many users, the platform must give priority to people with stable jobs.
Therefore, when we apply for online loans, we will all be required to fill in the name of the work unit, and some people will have to work in this unit for more than 6 months.
How can we succeed in online lending without income?
Seeing this, are the friends starting to worry? If you really have no income and need money badly, can't you borrow it?
No, no,no. I'll give you some advice next. Let's see what we can do to apply for online loans without income ~
First, choose the platform that suits you.
General loans refer to credit loans, but if you have no job and no income, you can choose mortgage loans or secured loans.
Some online lending platforms can also mortgage loans, generally mortgage real estate and cars. If you don't have a house or a car, you can also get a loan by credit card. Why can I borrow money by credit card? Because for the online lending platform, you can have a normal credit card, then your qualification will be recognized by the bank and guaranteed to some extent.
If you don't even have a credit card, you can apply for some platforms with lower thresholds, but the interest is relatively high. Bian Xiao doesn't advise you to borrow a loan with such a high interest rate, but I hope you will be rational when you need money badly!
Second, explain the situation to the online lending platform.
If you have just gone through the resignation formalities, then there must be some salary not paid to you. At this time, you can fill in the name of the former company when applying for a loan. When the platform requires an audit, you should also truthfully explain the situation. Although you have left your job, you have not received your salary, and you have the ability to repay it.
If you are a freelancer or do your own small business, and you don't have a company name to fill in, you must explain the situation to the platform and prove your income ability and repayment ability ~