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 a daily interest rate. The minimum daily interest can reach 22,000, which can be repaid as you borrow it. The number of optional periods is 3,6, 12. The specific rate and applicable amount depend on the system evaluation.

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Can I apply for a loan without a job?

You can apply for a loan if you don't have enough money to go to college or buy a car or house in your daily life, but can you apply for a loan if you don't have a job?

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For office workers, if you want to apply for a loan from a bank, the bank will ask the applicant to submit a work certificate, which is also to ensure your repayment ability.

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For self-traders, if they want to apply for a loan from a bank, the bank will require personal income certificate, credit certificate and asset certificate, so as long as they have a job and provide materials to prove their financial ability, they can apply for a loan.

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Like farmers, people without jobs have certain support policies, but the amount of loans they apply for is limited.

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Then the students. Although they have no job, they can apply for a national student loan. They need to provide proof of family poverty and meet the poverty conditions before they can apply.

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In addition, if you don't have a stable job and a certain income, the bank is unable to repay the loan and can't apply for a loan.

Can I borrow money to buy a house without a job?

If you don't have a fixed job, you can borrow money to buy a house, but if you want to find someone to guarantee, you need to issue a proof of income. Because there is no fixed job loan, banks are very risky.

Generally speaking, a house loan requires various materials, such as proof of income, proof of marital status, proof of real estate and so on. These materials are important documents to prove that they have the ability to repay loans, among which the proof of income is the most important, which directly affects the mortgage amount, interest rate and other issues. But for most liberals, the biggest trouble is proof of income.

In addition, when applying for a loan, you need to have a salary as a voucher, which is different from the ordinary savings deposited every month and is issued by the wage bank. This is another proof that it is difficult for freelancers to apply for mortgages.

How do freelancers apply for housing loans?

The most important problem is how to prove that you have the ability to repay the loan. Lending institutions usually evaluate the borrower's loan qualification from the aspects of repayment ability and credit information. If you don't have a job, but you can provide stable bank flow and collateral, you can still get a loan. Some loan companies can still lend to unemployed borrowers if they can repay their mortgages.

Loan methods suitable for freelancers

1. secured loan

Find a guarantor with guarantee qualification and guarantee ability. A loan is a loan issued by a borrower or a third party according to law.

Because you can't guarantee yourself without a job, it is also a good choice to find a suitable guarantor. However, it should be noted in this column that many banks do not accept secured loans, so you must know clearly in advance before lending.

2. Physical mortgage

If the borrower holds state bonds, securities, stocks, real estate, and bills of lading, warehouse receipts or other documents that prove the ownership of the goods, it can be taken away as collateral.

3. Third-party borrowing

There are many types of such loans, and the types of loans that can be seen in the market are also mixed. However, buyers should pay attention to the fact that they must choose a formal and qualified institution and be careful to fall into the scam.