The loans we refer to here refer to formal and reliable loans from banks and financial institutions. It is not difficult to apply for a loan without a job loan, but it is still difficult to apply for a loan in some safe low-interest channels. Otherwise, many private loan companies have low application thresholds, and it is easy to make money without a job, but the interest will be much higher, and various routines are hidden.

First, many college students graduate every year, most of whom have never had a loan relationship with the bank, and the credit report is completely blank. If you haven't found a work unit yet, it is still difficult to borrow money if you are nervous. Because now bank credit loans need to have stable income and work, in order to ensure repayment ability, and there is no good faith reference value for credit investigation, so it is impossible to judge the borrower's default. It is difficult for some institutions with strict risk control to make payments. Suggestion: 1. Start with city commercial banks with low thresholds, and local banks have low thresholds, such as Bank of Beijing, Wenzhou Bank and Zheshang Bank. 2. You can choose to start with business-related banks. For example, if you have a fixed deposit in any bank, you often have a relationship between income and expenditure, so it will be easier to apply. Second, third, except those who have no job, social security and garage, they can only choose bank credit loans with very low thresholds. Some bank credit loans do not require work certificates. Although the interest rate is high, as long as there is no overdue record on the credit report, the next repayment is relatively easy. If you just don't have a job, you have enough financial proof materials (deposits, wealth management investment income, real estate license, vehicle driving license, etc. ), you can use self-deposit revolving loan to deposit a sum of money in the bank every month, which is supported by many banks. To sum up, banks pay more attention to their work, especially state-owned enterprises, institutions, top 500 companies, listed companies, electric power, tobacco and other popular units, which can obtain loans with higher quotas and lower interest rates. If you don't have a job, you can apply for some loans or new products during the transition period. It will be easier to apply after finding a stable job.

Second, how can I get a loan from the bank without a job?

When I work in a bank, I can't borrow noodles from the bank. You break down easily. Don't lend them. Give you some practical advice. You are too young to 18. If you want to start a business, you must think about what you want to do, what line of work you want to do, and which link you want to do in that line. Then I went to work in these enterprises, studied hard, learned as much as I could, finished my work, and accumulated a little wealth during this time. Finally, jump out and go it alone. When you jump out and go it alone, you have experience, skills and know the way. People you know are naturally at different levels. You can find someone to invest in your management and become a professional broker. When you have more wealth, you can start a business through bank loans. Although it is easy for me to say now, few people can persist, but I have seen many customers get up step by step like this, and finally they are worth hundreds of millions. Wish you success ~!

Third, how can I get a loan from the bank without a job?

In daily life, I hope I can help you and your friends, which will be beneficial to the economy. It is worth noting that the assessment and verification of income personal assets requires the lender to have certain repayment ability, but

A good personal credit record is also a key determinant. If an individual has no job and no collateral, such as some freelancers, generally speaking. And some lending institutions other than banks, although these materials are very important for determining the success of loans, small loan companies can lend.

If there is no job or some special form of job. With these materials, you can prove that you can apply.

Now you have some simple understanding of applying for loans and self-employed people without jobs and mortgages. , you can show your business license, tax payment certificate or income certificate for six consecutive months, bank statement and other related materials.

A bank that can successfully apply for a loan from a lending institution without collateral will strictly examine the qualifications of the lender, and the bank will not accept it.