1, automobile mortgage. If the applicant has a car and it is a one-time payment. You can use a one-time payment vehicle as collateral and apply for a loan from a third-party lending institution.
2, real estate as a mortgage loan. Applicants can use real estate for mortgage loans. The maximum amount of such loans is 70% of the appraised value of real estate, and the longest term can reach 65,438+00 years.
3. Microfinance. Online microfinance generally has no requirements for the borrower's work, so you can find a few openings to try.
Loans without jobs:
1. Select the secured loan.
Because the lender has no job, the bank will be skeptical about the lender's repayment ability. At this time, the borrower can apply for a secured loan for the borrower with a third party. As long as the borrower and the third-party borrower apply to the bank for mortgage by way of guarantee, mortgage or pledge, the bank will re-examine the loan at this time and issue it to the borrower after meeting the loan conditions.
Step 2 choose a mortgage loan
If the borrower has no job, but has securities, bills, stocks, real estate and other items that are not easy to lose and sell, the borrower will mortgage these items to the bank, and the bank will issue loans according to the value of the mortgaged items. If the borrower fails to pay back within the time limit, then the bank has the right to auction the collateral.
3. Private loan companies
The loan threshold of private lending companies is much lower than that of banks, and the corresponding loan interest rate will be much higher. If it is a large long-term loan similar to a mortgage, the loan company generally won't do it. Generally speaking, for formal loan companies, the loan period is generally around 3 years. If the term is too long, the loan company itself needs to bear great risks. Therefore, if you have no job and choose a private lending company, it means that it is also an emergency to make up the remaining house payment in a short time.