Trouble. For office workers, proof of income is easy to provide, but if there is no job, it will be more troublesome. For the unemployed, the bank will not agree to the loan application, so it is very troublesome to buy a car. But it is not completely impossible to borrow money, as long as the lender provides direct evidence to prove that the individual has sufficient repayment ability, and the personal credit report has no record of non-performing loans.