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According to statistics, in March 2019, 340.7 thousand officially unemployed were registered in the country. But these are only those who are registered with the Employment Centers at the place of registration. And how many citizens do not work and do not become “on the exchange”, they work for themselves or in organizations unofficially. It turns out that formally they are also unemployed? But often such people have incomes not less than those who receive a white salary.

So why are they denied loans to banks or other financial institutions? And what to do “unemployed” in case of financial difficulties? Let us consider in more detail ways to solve this problem.

How much is it realistic to take out a loan to the unemployed in a bank?

When applying for a loan at a bank, it is mandatory to provide a statement of income. This document will be for the lender a certain guarantee of a refund in case of financial difficulties of the borrower. If there is no such certificate, the bank may or may not issue a loan, or issue on very disloyal terms. True, if you provide two guarantors, then the chances of getting a loan from the bank increase slightly.

In these cases, the bank will necessarily check the borrower’s credit history, its income, as well as the presence of positive experience of cooperation with the selected institution. It should be understood that if the bank agreed to issue a loan, then its cost will be much higher than for those who can provide a certificate of income. Therefore, often borrowers have to look for more alternative ways of lending.

If you work for yourself or informally, it will be more reliable and easier to contact an online lending company.

Where to quickly get a loan for the unemployed?

There are very few places where you can quickly get a loan for those officially not working. You can also approve a loan to the unemployed at a pawnshop, but here you will have to leave personal valuable property as a pledge. And if the repayment terms are violated, you can completely lose it.

How to be? Only microfinance organizations (MFIs) can help with this, because they generally do not require a certificate of income. It’s not so difficult to find a non-bank type credit company where you can get a loan to an unemployed person with a bad credit history, without inquiries and guarantors. As a guarantee, they may ask for an advance payment or registration of additional services. But there are companies that earn only interest on loans without hidden fees.

Quickly, conveniently and without hassle, you can get an unemployed loan with us.

How to get a loan?

You only need to prepare your passport (with which you need to take a photo in your hands), TIN and a bank card for which money will come. The process consists of several steps:

– selection of the amount on the loan calculator on the main page of the site;

– filling out a questionnaire for new users;

– application processing and card verification in the system;

– Decisions on the application and electronic signature of the loan agreement;

In the positive case, the money will be instantly credited to the card.

Ministerial employees, as well as other state employees, both public and non-public, are entitled to financial loans or assignments of one-fifth of the salary on particular conditions, sometimes rather advantageous. Let’s see what they consist of.

What concessions?

The first thing to consider is the spectrum of benefits that can be obtained, which usually guarantee an advantageous rate. In fact, the benefit can also concern:

• the absence of ancillary costs (such as stamp duty on communications and the costs of practical management or preliminary investigation);
• the possibility of obtaining higher amounts than those which would be addressed to subjects that do not fall within the agreements, conventions or only to the same privileged category in the treatment.

For ministerial employees the same loans reserved for civil servants

Loans dedicated to ministerial employees can be included in the wide range of public sector loans, but they can also count on ad hoc products, the result of specific agreements. In fact, ministerial employees, as workers employed by one of the Ministries of the Government of the Italian Republic, are in all respects part of the ranks of state and public workers. For example, the products provided by Social Institute (National Social Security Institute) with ex Government Agency loans (provided that they are also enrolled in the Unitary Management, which we remind you of, are an optional and not mandatory type of membership). There are also those resulting from specific agreements with some banking institutions.

The assignment of the fifth is one of the forms of financing with advantageous rates, with the possibility of access also to protests and bad payers. This category also includes Social Institute ex Government Agency multi-year direct or guaranteed loans.

How to choose?

Loans to ministerial employees can also be assessed through a quote with the tools made available by Social Institute through a simulation based on the insertion of simple data such as date of birth and net salary (see the info on the website Social Institute. it) or by contacting banks that offer specially dedicated products, especially if they are signatories of some dedicated agreement.

We remind you that the conventions often have a territorial character, therefore to know the existence of particular concessions it is necessary to search on the CRAAL website of reference or inside the intranet if present.

The loan made available by Capital Lender, called the Capital Lender Public Employees Loan, offers a financing solution specifically dedicated to pensioners and civil servants. A flexible loan given the possibility of using the Reload option, to obtain new liquidity or the Flexi to delay the payment of one or more installments.

To this first proposal is added the transfer of the fifth which grants up to a maximum of 104 thousand USD (in case of delegation of payment for the affiliated institutions) with repayment in installments of up to 120 months and no obligation to open a bank account in Capital Lender.

 

Thousands of Brazilians already they went into debt to honor their commitments in the midst of a scenario of lack of financial planning and a strong economic crisis. Getting out of a debt is not It is a very easy task, but it is perfectly possible. In this article we will present five Tips for those who want to take action and bid farewell to indebtedness once and for all.

1. Assess your financial condition

I need to face reality. Make a diagnosis of your real financial situation the first step in solving the problem. Put income and expenses side by side, detect the most expensive debts and how much is left over to pay them. Try to cultivate the way of recording all your expenses. So, be easier to find out where they occur unnecessary expenses and making adjustments accordingly. Try to save on essential expenses as well, such as water and electricity. At this time, I need to count on the family’s collaboration. State the situation and make everyone feel motivated to contribute to the solution of the problem. So, be it is easier for everyone to be more understanding about budget cuts.

2.Try to increase revenue

Financial education It is essential to get out of doubt . However, cuts and adjustments are not the only means of combating indebtedness. With an extra income, will you it can guarantee a budget break and settle debts more quickly. If your activity is propitious realization of overtime, make an extra effort, at least provisionally. Another option harness your skills to make money. Teach or consult in an area you are interested in. masters can yield a good amount. It is also possible to work as a freelancer . In fact, there are several online platforms where you can visit. can offer your services. Who knows, break, you don’t you discover that you can make a living doing what you like

3. Use your assets and investments

The moment to get rid of doubts! So, do not think twice before using your investments and extra income to reduce the debit balance, such as holidays, income tax refunds and 13 salary. Hardly meet an investment that pays more than debt consumes interest. With bills up to date, be it is possible to invest in a more sustainable way. If you has something that can be sold, a good opportunity to practice detachment. It is preferable to put your finances on track and ensure that your assets are not squandered in the future.

4. Exchange expensive debt for cheaper debt

Much of what you do are you currently paying debts corresponds to interest. The credit card and the overdraft account for the biggest bites in the budget. Every month you unable to settle the debit balance, life increases more. One way to alleviate this problem and win the lego exchange more expensive debts for cheaper ones. Take a personal loan or payroll loan to clear your debts with your credit card and overdraft a simple way to narrow the hole in the beads. Extreme care must be taken not to fall into revolving credit or overdraft again, as the interest accrual plus the loan installments would be even more disastrous.

5. Set priorities

There are two types of debt that deserve special attention. The most expensive ones, like the credit card, and the ones that can carry a penalty. The case of home financing and the condominium fee is what, if they are not up to date, can result in the loss of the property . Once the budget has been adjusted, define where to start. If necessary, negotiate directly with creditors and submit a proposal, j knowing how much to be able to pay per month to honor the commitment. Although a debt scenario is always problematic, It is possible to reverse the situation by keeping calm and taking the necessary measures. When paying expensive debts, invest in financial education and never lose control of your finances.

 

In the context of the economic crisis, most peoplefind it difficult to do without additional financial assistance, especially when an unplanned purchase or unexpected urgent expenses are ahead. No one is immune from damage to household appliances, moving or illness. Therefore, cash loans are in great demand, and many financial institutions are ready to provide them to the population.

Where can I get a cash loan ?

Cash loans, depending on the organization, have different conditions, terms of repayment and interest rates. To take out a cash loan urgently, first of all you need to know the organizations where you can take cash on credit so that you do not waste time looking for it at the right time.

• Bank loan. A large amount of cash loan can be obtained only here, but in such structures you should not count on an urgent loan, since the expectation of an answer usually takes more than a week. In addition, the decision will not always be positive.
• In the MFI. To take a quick cash loan, you can contact microcredit companies, the main feature of which is the speed of processing applications and a high percentage of approved profiles. To quickly get a cash loan in 15 minutes, you should contact a similar organization.
• At the pawnshop. Cash on credit is given only on the basis of collateral: precious jewelry, rare items, household appliances, tools, gadgets and more.
• Private person. To get cash in credit, you can also contact a private lender, but such a transaction may be unsafe and entail problems with illegal collectors.

Cash loans for any purpose

It is best to take a cash loan in the online lending service, which arranges a cash loan for any purpose:

• Credit for cars, apartments;
• Consumer loan for any purpose;
• Money for treatment;
• Payment of utilities.

How to apply for a cash loan?

To get a cash loan online on a card, you need to follow a simple algorithm of actions:

• Go to the company’s website and log in using your mobile number;
• Choose the required amount and maturity;
• Fill out the form, indicating your details, passport number and identification code;
• Bind a personal card of any bank ;
• An online application is considered within 15 minutes, after which the manager will contact you;
• Signing an electronic contract, for this you need to check the box “I agree to the terms”;
• Money is instantly credited to the indicated card.

As you can see, getting an express cash loan on the day of treatment does not take much time and does not require any effort.

Who can get a cash loan ?

Unlike other lenders, who approve the receipt of funds only by working officially, with guarantors, with collateral, the lender provides cash loans even to those categories of people who are refused by others:

• Unemployed;
• Students;
• Senior citizens;
• Citizens over 18 years old;
• Persons without income certificate.

As you can see from the list, in order to get a cash loan in two documents, the main requirement is to be an adult citizen .

Return Terms

All reporting on funds taken is in the user’s personal account, where the applicant has access at any time of the day or night. The process of paying off debt is as simple as applying for a loan. You can make a return in any convenient way of the three:

• In self-service terminals, where you need to enter payment details manually;
• At the box office of partner banks,
• You can repay the loan around the clock through your account on the company’s website.

If you have any difficulties and you cannot pay on time:

• There is a three-day grace period, not subject to fines;
• The ability to request an extension (in case of disability, health problems, other troubles).

After you think well and enough conclusion that you need to borrow, It is common to be in doubt about which modality to choose. After all loans of modalities for every taste in the market. How to compare loan to know which one the best option for your pocket Here’s how to do it:

 

Find out which loans you have you can take it

Today, the main loans available on the market are payroll and personal loans. Within these two choices, there are several lines of credit that can be adopted.

The payroll loan

In most cases, people prefer to apply for payroll loans, since their annual interest rate is usually less. However, It is necessary to know why this happens: in fact, in the payroll loan, the installments automatically leave the pay stub of the person who borrowed money. So, there is little chance of not paying off life. For that reason, that customer considered less risky. However, for people who already living on a tight budget, being without a slice of their pay can be compromising. For that reason, A lot of planning is necessary when taking out a payroll loan, so that it does not harm your quality of life. Besides. It is important to know that not everyone can adhere to the payroll: only people with a fixed job and a formal contract, in addition to retirees and civil servants, have a preference for the modality.

 

The personal loan

Personal loans, in turn, are another good possibility of credit in the market. a greater diversity of rates, depending on the line of credit and the total amount required. For that reason, It is very important that the person who wishes to apply for a personal credit does extensive research on possible options and is scheduled to pay the installments of the loan on time.

 

Learn how to compare loans

When making this comparison, some measures must be taken. After making a survey of the main proposals for your need, the time to decide which one to choose. Read below the steps to be taken into consideration:

 

Make a comparison of the interest charged

The interest taken by financial institutions varies from agreement to agreement. That factor something that must be taken seriously when making your choice. In addition to the amount borrowed, need to keep in mind what the amount will be in the future the largest amount will be returned to the creditor. And who is responsible for that accrual of interest. The identification of those proposals that bring the lowest rates very significant, therefore, for your pocket.

 

Pay attention to other fees

In addition to the interest rate, do not forget to know what are the other amounts charged by the institution. To have a good overview of the proposal, ask the manager which one the total effective cost (CET) of that loan. This sum will include insurance and tax prices.

 

Don’t forget the payment method and installments to be assumed

It is essential to take into account the payment methods to close a loan agreement. This is because, like any other contract, these clauses must be respected; otherwise, the person’s name may be negated and they lose credit in the square. That is why, It is essential to have a real notion of which one your financial situation and how much money you will have available monthly to pay off your debt. Make a proposal to bank managers and close the deal only with that institution in which you are able to pay this debt effectively, without compromising a good part of your monthly income. Loans may not be the best solutions for your financial life, but they are necessary ideas in some situations. That is why you need to know how to choose it and ensure good planning so that you don’t get involved later.

Each of us regularly encounters problems that require finance. It can be anything: both joyful events, and not so. Weddings, births, anniversaries, repairs, costly treatments, trials, and other problems that everyone faces. To solve such problems, a large amount is needed, which friends are unlikely to lend. Today, many citizens take loans from banks to deal with difficulties.

Bank loans for individuals

To get a loan from a bank is a rather complicated process, as each lender sets his own requirements for a borrower. The conditions for obtaining a loan at the bank also differ.

On our website, we have collected popular offers from banks that lend to individuals on the most favorable terms. These are proven organizations trusted by thousands of s and, if you need a large amount, contacting here will be a good option to resolve the money issue.

Before you take a cash loan from a bank, carefully read its rules and requirements, as well as what documents are needed to obtain it.

How to get a loan at the bank?

There are several options to get a loan from a bank :

• In cash at the bank. A cash loan at a bank can be received in cash in full, but the waiting period for a response can take more than a week. The main feature is that they approve of such loans, as a rule to those who have an official stable income or guarantor, some oblige to make a deposit.
• At the bank online. Some financial institutions issue loans in a bank online. You can apply from home or work. But this method applies only to small loans.
• Get a credit card. The third way to get money is to get a bank loan on a card. This option seems practical for many users, but there are some nuances: the available limit is calculated relative to your income, so for each it will be different and may not meet expectations.

How to get a loan at the bank?

To take a loan at a bank at interest, you will need to take a certain series of actions:

• The first visit to the office is a consultation with the manager regarding the conditions, goals, the procedure for providing funds and the list of necessary documents;
• Write an application, fill out a form;
• The second visit is to provide all the requested documents, salary data, various certificates, sometimes – guarantors and collateral;
• When all the documents are collected, the manager submits them for consideration. In the meantime, the applicant is left to await a response. This may take several days, or maybe a couple of weeks;
• If the requirements of the lender are fully satisfied, the applicant arrives at the office to sign the agreement of the parties and receive the funds.

As can be seen from the algorithm, you can take money on credit from a bank by following a number of conditions, which takes a decent amount of time. This option is not suitable for those who need material support urgently.

How to return the money taken at the bank?

There are several ways to repay a loan:

• With the help of terminals or ATMs, the main thing is to use the ATM that does not require a commission;
• At the register;
• Put money on the card of this bank, if such an option is connected according to the agreement.

To avoid problems, you need to make payments according to the established schedule. If financial difficulties arise, you should immediately contact the employee and request a prolongation, confirming your position with a certificate (for example, illness or in connection with the loss of work).

When you take out a consumer credit, insurance coverage is required in case of problems. What exactly are we talking about? Which are mandatory and which are optional? Do the services differ from one bank to another or are they identical for all? From what time and for how long do the insurances take effect?

there are 3 insurance coverages:

• Insurance in the event of death
• Health and accident insurance
• Unemployment insurance

 

Compulsory and optional insurance

Obligatory death insurance

Death insurance is the only mandatory insurance. It is included in the interest rate.

 

Optional recommended insurance

We recommend that you also take out sickness / accident and unemployment insurance, especially if you have borrowed a large sum. If you decide to take the risk of not subscribing to any, make sure that with 30% less income, you are able to repay the monthly payments without affecting your vital needs.

 

Insurance in the event of death

In the event of death, the credit is completely canceled and the insurance company reimburses the bank for the entire amount lost. And if you are married or cohabiting, don’t worry, your relative will not have to refund anything!

Benefits linked to death insurance are regulated by the Consumer Credit Act and are therefore identical for all banks.

 

Health and accident insurance

Differences between banks: the time of beginning of assistance

In what period of time does health and accident insurance intervene if you have a health problem that prevents you from working while you are repaying a credit?

First of all, the contract must have existed for at least 3 months.

Then the period from which the insurance will start varies from one bank to another. In general, the insurance takes effect from the 4th month after the onset of the health problem. To take the example of a separate case, the Best Bank (in French) will pay the monthly payments only starting from the 7th month.

Coverage can extend up to a maximum of 2 years, ie the statutory deadline. Then disability insurance comes into play.

 

Unemployment insurance

To be eligible for unemployment insurance, the contract must also have existed for more than 3 months.

Then insurance only comes into play if your situation meets the conditions for obtaining unemployment benefits, such as being fired and working full time for the previous 12 months.

Finally, the maximum coverage period is 2 years.

 

Differences between banks: the amounts repaid

Unemployment insurance from all banks reimburse all of the monthly installments, except the BCG which will reimburse only 50% of the monthly installment.

PS: the terms shown in this article are purely indicative.

From 1 January 2016, lenders must review their communication strategy. Credit advertising will be subject to stricter rules, and aggressive advertising will be controlled.

This revision is at the origin of Josiane Aubert (PS / VD) who, in 2010, filed a parliamentary initiative which aims to ban advertising for small claims. In 2014, the National Council and the Council of States approve it but let the sector regulate itself.

Following this review, the Swiss association of credit banks and lending institutions has established a self-regulation agreement. These are rules governing the principles relating to advertising for consumer credit, applied to the member institutions of the association.

The main changes are as follows:

 

Content of the self-regulation agreement

Consumer analysis

Advertising must no longer suggest that the institution minimizes consumer analysis. This involves removing ads like “You decide the amount of the monthly installments, whatever your income.”

 

Credits for short-term entertainment

Announcements will also be banned for claims related to expensive and short-term leisure activities such as holidays, weddings or anniversaries.

 

Economic arguments

Furthermore, advertising can no longer use arguments that are not economically judicious, such as using a credit to repay tax debts.

 

Sales methods

From now on, it is forbidden to use sales methods that can shock or be ambiguous, such as the distribution on the street of slips for the request of a credit, and the prospects with graphics that resemble banknotes.

 

Young people

Young adults (under 25 years of age) will also be better protected: as of now, they can no longer be the target of consumer credit advertising. This translates into a ban on the topics, but also on the billboards: the arcades will no longer be able to accept consumer credit advertisements.

 

Penalties for non-compliance with the rules

Organizations that do not comply with these new rules in the face of a fine of USD 100,000. The agreement also extends the scope to partners of affiliated bodies. Contracting institutions are required, if necessary, to end collaboration with partners, such as mediators, who do not comply with this convention.

 

The candidate’s examination for obtaining a credit

This new measure complements the other provisions of the revision of the Consumer Credit Act. The lender may request the consumer to produce an extract from the crime report register as well as a tax return. In case of doubt, the credit institution may not be satisfied with these documents to verify the accuracy of customer information.

This agreement therefore aims to protect customers from unscrupulous bodies but also to protect customers from themselves, by checking in advance their solvency and financial strength.