1. Micro-credit loans: There are many online credit loans that do not require applicants to provide work certificates and running water, but the loan amount is generally small, ranging from several thousand yuan to tens of thousands of yuan.
Second, mortgage loan: Due to the high risk of non-repayment, credit loans will strictly examine the repayment ability of users. But if you can't provide proof, you can use your own real estate, cars, national debt and other physical property as collateral to get a loan.
3. Guaranteed loan: If there is neither proof nor collateral, you can try a guarantor with reliable guarantee qualification and guarantee ability recognized by the lending institution. When the borrower fails to repay the loan in full, the guarantor shall be jointly and severally liable, so the person or institution willing to provide guarantee for the applicant often needs the user to provide proof of repayment ability.
4. Policy loan: Assuming that the user has a policy with savings or cash value and has paid it for some time, it is not a problem to apply for a loan even if he has no job. With the policy, he can also apply for a loan.
It is worth mentioning that not all insurance policies have this function, but they must be life insurance, pension insurance, dividend insurance, annuity insurance and so on. There is a saving function, and those medical expense insurance and accident insurance policies can't be used as collateral, so there is no way to apply for a loan.
2. Which work units don't need to fill in the loan?
No online loan is needed. .
Generally, serious people should fill in the work certificate and call.
Third, how can I fill in the loan without a work unit?
I believe everyone who has borrowed money from the bank knows that the bank will ask the borrower to provide the income certificate issued by the work unit and the unit. Then the problem is coming. Many freelancers have no work units. How can they fill out IOUs without a work unit? Tell everyone about it.
bank loan
If there is no work unit, the first method is to fill in "None" directly. If customers have sufficient assets or other economic income, they can provide more information in this regard to prove their repayment ability. If you have it at present, you can also fill in your work unit first.
In addition, you can also fill in the address of the intermediary unit and let the unit issue its own income certificate. In addition to looking for intermediary help, you can also try to apply for online loans. Some online loans have low thresholds and do not require borrowers to provide work information, as long as the user's credit is good enough. 4. How to fill in the loan type?
Loan types are classified into self-operated loans, entrusted loans and specific payments according to business attributes. According to the service life, it is divided into short-term payment and medium-and long-term loans. According to the nature of the main economy, it is divided into state-owned enterprise loans, collective enterprise loans, private enterprise loans and individual industrial and commercial households loans.