Yes

No job will really affect the loan, but if you choose the right way, you can make the same payment. Don't be limited by your own thinking. Bian Xiao compiled some methods as follows:

(1) mortgage loan

Houses, cars and insurance policies with cash value in their own names can be used as mortgages to apply for loans, and many banks do not need to check the running water for mortgage loans.

1, real estate mortgage loan

The amount of real estate mortgage loan is mainly related to real estate assessment value, loan ratio and real estate type. The maximum loan amount of commercial housing is 70% of the house valuation.

2. automobile mortgage

It is necessary to investigate the amount of vehicle mortgage loan and evaluate the residual value of the vehicle. Considering various factors comprehensively, the evaluation of the lending institution shall prevail. For example, the maximum application amount of Ping An car owner loan can reach 90% of the vehicle evaluation value, and the maximum amount is 500,000.

3. Policy mortgage loan

Policy mortgage usually refers to a policy with cash value. You can apply for a short-term loan from an insurance company, which generally does not exceed half a year and does not exceed 80% of the cash value. Policies with cash value usually refer to life insurance, long-term critical illness insurance, endowment insurance, annuity insurance and other policies.

(2) secured loan

For borrowers whose personal qualifications can't meet the requirements of the bank, they can find others or guarantee institutions to guarantee themselves. As a guarantor, the credit status is good and the income is high. For guarantee institutions, to find a formal and well-documented guarantee company, guarantee institutions generally charge a high guarantee fee to see whether they accept it or not.

(3) Credit loan

Credit loans are pure credit loans, with relatively low thresholds and relatively simple procedures. It is good to handle it directly through online channels, but the amount will be relatively lower. Here are some credit loan products (in no particular order, for reference only).

1, e-loan from China Merchants Bank

The maximum amount of e-loan for China Merchants Bank is 300,000, and the number of optional periods is 3, 6, 10, 12, 24 and 36, with the highest rate of 0.75% for the 36th period. After the successful application, the loan will be released within 48 hours. Specific rates and applicable amounts shall be subject to system evaluation.

2360 IOUs

360 IOU is a credit product of 360 Group, with a maximum amount of 200,000, which can be divided into 24 installments at the longest. The lowest annualized interest rate can reach 7.2%, and the loan can be released within 5 minutes at the earliest. The specific rates and amounts are subject to the examination and approval results.

3, the degree of small full financial.

Xiaoman Finance is a consumer credit product owned by Baidu, with a quota ranging from 500,000 to 200,000, with daily interest, and the minimum daily interest rate can reach 22,000. You can borrow and return with it, and the number of optional periods is 3, 6, 12. The specific rate and applicable amount depend on the system evaluation.

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How do unemployed people get loans?

First, the unemployed loan method is as follows

1. Self-deposited cash flow

If you are not in a hurry to apply for a loan, you can apply for a credit loan from a commercial bank or company with a lower threshold by self-deposit in the bank.

If the method of handling self-deposited cash flow is to deposit a fixed amount at a fixed time every month, Xiaomei can choose to deposit a fixed amount in her bank savings card on the day of 10 every month, for example, deposit 5,000 yuan every month, and after a total of 6 months (at least 3 months), she can apply for a loan with cash flow.

In addition to this method, you can also choose to work in a new unit for a period of time before applying.

2. Insurance policy loans

Suppose you have a policy with savings or cash value, and you have paid it for some time. With the policy, you can also apply for a loan. But not all insurance policies can be loaned, and they must be life insurance, pension insurance, dividend insurance, annuity insurance, etc. And those medical insurance and accident insurance policies can't be used as collateral, so naturally there is no way to apply for a loan.

The loan period of policy loans is relatively short, generally not more than half a year. It is worth noting that the maximum amount of policy loan is directly proportional to the cash value of the policy, which is generally 70%-90% of the policy value.

3. Mortgage loan

If the loan application amount is less than half of the value of the mortgaged property, many banks can obtain loans directly without the applicant's salary. If you can provide collateral such as cars and stocks, you can also try.

4. Secured loan

If you don't get paid, but you can find a reliable guarantor who meets the conditions of secured loans, you can also borrow money! But you need to pay attention to this point, that is, repay the loan on time, otherwise the guarantor will bear joint liability.

Finally, it is worth mentioning that if there is no job and no income, it is not easy to apply for a loan at the bank. Friends can find a reliable loan intermediary company to handle it, so the loan pass rate will be higher.

2. Unemployed people need to apply for social insurance first, and they can only get social security cards after three months of insurance payment. Unemployed people can apply for residents' medical insurance at the street social security office where their household registration is located, or apply for social security for flexible employees (including pension, unemployment and medical care) at the talent center and employment agency where files are stored, and receive social security cards at the social security office or talent and employment agency where they are insured three months later.

If the payer does not need to continue to pay after the prescribed number of years, he can stop the insurance. When the insured persons with flexible employment go through the retirement formalities, the payment period (including deemed payment period) must be 30 years for men and 25 years for women, and the continuous payment period of basic medical insurance should not be less than 10 years before they can enjoy the basic medical insurance benefits for retirees. The payment period of basic old-age insurance for flexible employees can be regarded as the payment period of basic medical insurance, but the continuous payment period is not calculated.

Can unemployed people apply for loans?

Sure, but there are certain conditions. Flexible employment insured persons participate in the basic medical insurance in this city as freelancers or in employers. As long as there is no interruption of payment, the continuous payment period can be calculated together. When the insured persons with flexible employment go through the retirement formalities, if they fail to reach the prescribed payment period, they shall pay the basic medical insurance premium in full in one lump sum according to the published 10% of the average social wage of this city in the previous year before the 25th day of the month when they go through the retirement formalities, and the paid part will not be filled in the personal account.

At present, China's market economy is developing rapidly. Even if there is no fixed formal job in China, there are many channels to make money. Therefore, the unemployed are not what you call unemployed people, but people who have no fixed and stable wage income in the country.

How can I get a loan without a job?

These loans are as follows:

1. The certificate of deposit can also be pledged in hypothecated loan.

2. Guaranteed loans, as long as there is a guarantee recognized by the lending institution, you can borrow without working.

3, mortgage loans, no work, collateral can also be borrowed.

4. With the support of government policies, some national policy loans, such as commercial loans and student loans, can be handled without work.

5, app, there are many online loan apps that can apply without working.

Introduction:

Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds.

Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.