1, mortgage
In addition to real estate mortgage, in fact, in addition, China's bonds, securities, stocks and so on. Can be used for mortgage loans. Before applying for a mortgage loan, the borrower should prepare the loan information, because the mortgage loan approval procedure is complicated. If the loan is refused by the lending institution because the loan information is incomplete, it will delay the loan application time.
2. Guaranteed loan
If the borrower does not have a fixed job, he can also find a guarantor who meets the requirements of the lending institution as a guarantee to apply for a secured loan, so that the loan can be obtained smoothly. However, when the guarantor guarantees for others, the borrower's repayment ability should also be considered to avoid trouble.
3. Seek loans from non-bank financial institutions.
Compared with bank loans, the loan threshold of non-bank financial institutions is lower, and borrowers may get loans if they have the ability to repay the principal and interest on time and in full. However, borrowers must pay attention when handling loans from non-bank financial institutions: don't pay any fees before getting loans, and don't think that "pies will fall in the sky".
Although you can apply for a loan without a fixed job, the borrower must remember to repay the loan on time, otherwise the overdue will affect your personal credit record and increase the chances of successfully obtaining a loan in the future.