Yes, they will. However, the conditions will not be the same as for officially employed people. Bank or other credit organisation will take on increased risks if the application is approved. The likelihood that you will repay the loan on time without a stable official salary is lower. This will affect the interest rate, loan term and other conditions, and not in your favor.

What kind of loan will this be?

Receiving black wages and having no other stable sources of income, you can count on consumer loan(for example, for vacation, treatment or without a specific purpose, that is, a non-targeted loan). You won't be able to get a mortgage.

Who will give the money?

There are two options: go to a bank or another credit institution, such as a microfinance institution.

You can contact the bank yourself or through a credit broker - a company that acts as an intermediary between you and the bank. The broker himself searches for you the most profitable offer banks that are most likely to approve the application prepares documents and sends them to the credit institution. The broker usually asks for 1–10% of the amount for his services.

The second method will be as unprofitable as possible, but simply cosmic (1–2% per day). In this case, the borrower may be required to immediately pay a service fee in the amount of 10–20% of the loan cost or take out life insurance in a specific company that does not offer the most favorable conditions. But getting such a loan is easy: usually just a passport is enough.

What conditions can you expect?

Usually, the same rules apply to the officially employed and officially unemployed at the bank. credit programs, but the conditions for them are different. In the second case, the rate is 2–3% higher, and the loan amount is less. But there are nuances here.

It is important for the lending institution that you confirm your source of income. For example, if you do not work officially, but have real estate that you rent out and receive monthly rent, this will be regarded as a permanent source of income. In this case, you can get a loan for more favorable conditions, close to those offered to officially employed citizens.

Another situation in which the bank will accommodate you is the provision of collateral. It's best to use a hard deposit. To get a loan on normal terms, you will need to prove that if you suddenly cannot pay it, the bank will be able to appropriate your property (for example, an apartment, house, car) and thereby cover expenses. As collateral, you can also attract a guarantor - a person with an official stable income sufficient to repay the loan, who will take all the risks upon himself.

When giving a loan to an unemployed person, the bank may require a higher an initial fee(about 30-50% of the amount), so be prepared for this.

What documents are needed when registering?

If you can confirm receipt in any way, please do so. For example, provide the bank with a certificate of movement Money on the account or receipt of money from third parties (no matter what is indicated in the purpose of payment), account statement for the last couple of months, and so on.

As in other cases, you will need to fill out a form. Indicate your place of work, even unofficial, and the amount of your real monthly income. You should not overstate your income: the bank verifies the information. If a discrepancy is detected, you will be denied a loan without explanation.

How will my solvency be checked?

The bank can act in different ways.

If the loan amount is large, you will be checked by the security service. Her employee will find out whether the company you indicated as a place of work exists, under what conditions they work there unofficially, and what exactly the conditions are for you. Such a check can take place over the phone or in person - security officers often go to the site.

If the loan is small, you will be checked by the personal manager who accepted your documents. He will call your manager, find out how much you really earn, and clarify how satisfied the employer is with you. All this will allow the manager to understand whether you will receive a stable salary in the near future. monthly income in this company and, accordingly, repay the loan on time.

If you have a positive one, it will be a plus in both cases. At the same time, it is better if you have previously taken out and successfully repaid loans from the bank where you are currently applying.

Is it profitable to take out a loan if I am not officially employed?

It turns out that no. By all indicators, you are losing to workers with gray or white wages. The procedure for obtaining a loan is more complicated, the probability of approval of the application is lower, the amount is smaller, and the interest rate is higher.

Answer: It is quite obvious that getting a loan with a non-permanent job is more difficult than with official employment. After all, how will a person pay off a debt if he does not have a permanent job? However, you can get a loan without an official or permanent place of work in most banks, the main thing is that the terms are acceptable to the borrower himself. The absence of a 2-NDFL certificate and a work book is not a stigma for a person who decides to take out a loan.

To begin with, we would like to present a certain generalized classification according to which banks conditionally divide borrowers from the category “without an official place of work” into subcategories. Depending on these subcategories, banks put forward certain requirements for the borrower.

1. There is a permanent job, but the salary is completely gray. In essence, this is work without official employment according to a work book, without employment contract etc. If such work really involves permanent employment, then getting a loan is the easiest way - just provide a certificate in the form of the bank, or refer in the application to the director or accountant who will confirm your employment. As a rule, in small companies the team is smaller, sometimes they shake hands with the director, why not give his work number so that he can confirm your employment (this case is being examined).
2. Seasonal work or occasional work, as in the case of the author of the question . Even if it good salary, then getting a loan here is quite difficult.
3. Lack of work, but registered with the local employment center. This presupposes that the person, firstly, has some kind of minimum income, secondly, he wants to get a job. The case is almost hopeless. The solution is to select microfinance organizations, pawn shops, loans from friends.
4. Complete lack of work and no registration at the local employment center. This, accordingly, means the absence of any income and desire to get a job. The most hopeless case. Here the solution is the same - selecting those few microfinance organizations that give loans at a pawnshop or from friends.

If we do not consider the last 2 cases, which are, one might say, hopeless in terms of obtaining a loan, then we can highlight a number of points that are worth knowing in order to get the maximum benefit from the bank:

• Bring a guarantor. One of the significant trump cards for any bank, because, in fact, with a guarantee, the financial capabilities of the borrower and the guarantor are summed up. And it doesn’t matter if the borrower stops paying, because the burden of the debt will fall entirely on the guarantor.
• Provide collateral. If there is collateral, there is money; if there is no collateral, there is no money. This is exactly what the presence of liquid collateral means for a borrower who does not have a permanent or official place of work. The collateral can be - vehicle(both the transport itself and only the PTS), apartment, a private house, separate land plot, sometimes securities. Although these are certain risks for the borrower, because the bank will evaluate the collateral not at its current market price, but lower. With collateral it’s simpler - household appliances, valuable jewelry, construction tools, fur coats, etc. you can go to a regular pawnshop (a lot has been written about secured loans).
• Show alternative sources of proof of income. This could be income from bank deposit, valuable papers, real estate rental, etc. It's about not about the collateral, but about income, which you can document, for example, by way of an extract from a bank account, depository, lease agreement, etc.
• Take advantage of alternative sources of obtaining a loan. Of course, the most profitable one is to get a credit card. It is much easier to get them than a cash loan, and in addition, you can apply for some cards only with a passport. If you need money for certain purchases, then credit cards with their grace periods - the best cure for financial need.

In Russia, many people work unofficially. The lion's share of those who earn money from freelancing belong to them. You can meet a lot of entrepreneurs who have not undergone official registration as an individual entrepreneur. The question often comes up: is it possible to take loan with unofficial income? Of course, the relevance of the issue continues to grow.

An analysis of the Russian lending market shows considerable competition, which continues to increase. Lenders are forced to take different measures to ensure that the number of clients continues to grow. Loans are often issued without confirmation of the level of profitability by official papers, as well as actual employment. Managers almost take potential borrowers at their word. Loan with unofficial work It becomes easier to get.

The question that remains relevant is how exactly you can get a loan if you work unofficially. Every effort should be made to obtain a positive decision on your application to the bank. To do this, it is advisable to use these methods:

1. Attract reliable guarantors.

2. Provide valuable property as collateral.

3. Try to get a loan from non-banking institutions.

4. Indicate the place of work, even if it is unofficial.

Take out a loan if you work informally it is possible, but invariably the conditions for it will be extremely unfavorable for borrowers. Rates often increase significantly, and the loan term and the amount you can expect to receive become lower.

What should those who work unofficially do?

It is advisable to have knowledge of where and how to get money, provided that you are not an official employee. Most of the results of the development of the situation depend on the conditions in which the potential client creditor company. Will they give you a loan if you work unofficially? Of course yes, but it is important to correctly assess your personal capabilities.

Try to determine which property can act as collateral and who will act as a reliable guarantor. An important fact is whether the questionnaire will provide the opportunity to provide contact details of the employer for whom the person works unofficially. Analyze all available places where it is possible to borrow money at interest in the absence of official work. Below you can see the most popular options:

Express lending

This option will be a godsend for anyone who is unable to officially prove their employment. The good thing about such loans is that processing takes a minimum of time. In practice, it only takes a couple of hours, but sometimes twenty minutes is enough. This time is simply not enough to check the borrower’s data. It becomes very easy for informal workers to get a loan.

Loans of this type often come in two separate forms:

1. You can receive money in cash directly at a bank branch. Large organizations because of this condition scare off the lion's share of potential borrowers. Of course, you can’t expect favorable lending conditions in this case. Such programs involve issuing loans at an interest rate of no more than one hundred thousand rubles. The interest rate will be much higher than other credit offers. A loan with unofficial income will cost more.

2. Commodity lending is good because the service is provided at the place where the service or product is purchased. Bank consultants work in large stores. You just need to contact such an employee to fill out an application. The decision to issue a loan or refuse it occurs as quickly as possible. To make a positive decision, sometimes it is enough to have no debt on other loans and a clean credit history. It happens that a loan program requires making a down payment. So getting a loan with unofficial work is not difficult.

Credit cards

Most banks are ready to issue credit cards without the client providing papers confirming official profit. Often at the stage of issuing such cards maximum limit In terms of money it will be small. It is quite possible to increase it. It is required to withdraw funds from the card again and return them without violating the requirements of the current agreement.

If you do everything responsibly, then the size available limit will begin to rise. If you work informally, you can take out a loan using a credit card. As a result, it is possible to obtain benefits in the form grace period. Its frequency often reaches a couple of months. If you pay off the debt within this period, no interest will accrue at all.

Today, losing a job is fraught not only financial problems, but also a loss of competitiveness in the market. You always need money, and anyone can find themselves in a financial abyss. At the same time, there is a category of freelancers who work for themselves all their lives. The income of such people can be several times higher than the official salary, but banks are reluctant to cooperate with such clients. They are classified as risky. You only have to rely on the integrity of the client. So how to get a loan without official work in the Russian Federation?

Scheme

How to get a loan for officially unemployed persons? Even for risky categories of citizens, banks have special products. Unemployed people can get a loan at an inflated interest rate (from 59%). At the same time, as a bonus, the bank will ask for only two documents. Count on a large amount not worth the money (up to 250 thousand rubles). You can receive funds in cash or by transfer to a card. The service fee will be the same in both cases. But the credit card additionally provides for a number of payments: from plastic maintenance to cashing out funds. The process is simplified if the client has been using the bank’s services for a long time and has a good credit history. Then you can simply ask for an increase in the funds limit.

How to get a loan without having an official job on more attractive terms? Can be provided mortgaged property and receive a program with an individual interest rate. Loans are issued at low interest rates for the purchase of durable goods.

How much do they give?

In reality, not everyone can get a loan for the maximum amount. Before determining the limit, banks conduct an “interrogation” of the client. Employees ask about the person’s age, marital status, presence of children, length of service and intended use funds. It is easiest for a married woman with children to get a loan. A good borrower has a higher specialized education, more than 10 years of work experience and a positive CI in the past. The presence of repaid overdue debts in the past is no longer a basis for refusing a loan. The bank may reduce the loan amount. Although much depends on the risk policy of the institution.

Even without a certificate of income, the bank can find out the size of the client’s “white” salary. To do this, a request is made to the Federal Tax Service in order to clarify the amount of taxes paid. Based on the obtained figures, the amount of salary paid is calculated. Although not all banks admit this, such methods are used in practice.

All collected information is assessed using a scoring system, that is, the client’s level of solvency is calculated. The higher it is, the greater the likelihood of receiving a loan on favorable terms.

We increase the amount

You can get a loan for a large amount by providing indirect evidence of solvency. This could be a passport with notes about recent travel abroad. Documents for recently purchased assets, cars, existing deposits or account statements with regular receipts of funds for six months are also accepted. These documents can be evidence of solvency.

The client must be ready to quickly answer all the bank’s questions. It is also important that employees do not “forget” to give the borrower the loan documents - an agreement with a debt repayment schedule, information about effective rate and higher loan prices.

Express loans

Even if you find yourself without a source of income, you can still get it. IN last years Express cash loans appeared on the market. To apply for such a loan, you need to provide a passport and another document. This may be SNILS, TIN or rights. The decision to issue a loan is made within half an hour. Rates for servicing such loans are significantly higher than the market average. For example, Rusfinance Bank issues express loans at 71% per annum, and Home Credit at 59%. Wherein maximum amount The loan is limited to 75 thousand rubles. Refunds can be made by transfer to a current account or through payment systems.

What's the secret

Express cash loans are expensive. The amount of overpayment under the contract can vary between 30-50%. The nominal rate is usually set at 15% per annum, and sometimes even 0.01%. The cost of the loan is “hidden” in the commissions. This and Monthly payment service fee (7.5%), fee for withdrawing funds from a card (4-5%), commission for each repayment of funds (from 2%), etc. Required condition also includes taking out loan insurance. Tariffs range from “reasonable” 0.5-1% to exorbitant 24%.

In case of early repayment, the commission is charged for the actual period of use of the loan. Therefore, the faster the client pays off the debt, the more money he will save money. Moreover, the fines for early repayment not provided.

Applications

On the Internet you can find a lot of advertisements from banks that offer loans to people without official work. Online applications have become very popular in recent years. They increase the chances of getting a loan. The questions in the questionnaires of all banks are the same. It is enough to fill out the electronic document form and send it to several institutions. Here's how to quickly get a loan without official work.

Credit broker

How to get a loan if you are not officially employed and the bank’s conditions are not satisfactory? You can use the services of a credit broker. For a certain percentage of the loan amount (5-10%), he will handle all the paperwork and take on future risks associated with the client’s insolvency. The only disadvantage of this scheme is that brokers’ services are paid before the loan is approved by the bank. That's why many people refuse this scheme.

Loan to the unemployed and informal workers

Taking out a loan without proof of income is difficult, but it is possible. On banking market there is also a lot of competition. Credit institutions we have to develop programs to attract customers.

A person who is not officially employed can receive a loan without a certificate of income at an inflated rate. At the same time, the director or accounting department of the company must confirm employment and the real level of salary.

Which bank is better to take out a loan without official work? You can get up to 750 thousand rubles from OTP Bank. at 15.9% per annum for a period of 5 years. At Renaissance Credit you can get 500 thousand rubles for the same period. at 29.1% per annum. At the Bank of Moscow, persons with unofficial employment can count on a loan of 3 million rubles. at 14.9% per annum, which must be repaid within 5 years.

Client requirements

The borrower's age is 18 years or older.

The client must be registered at the location of the bank branch.

Lack of disability group.

Only with a good credit history in the past can you get a loan without official work.

Documents: Russian passport + second document upon request of the bank.

Credit history

Before getting a loan without official work, you should make sure that the client fulfills the main requirement of the bank - has a good credit history in the past. Deceive financial institution will not work. Each bank checks the CI of its clients. A history of late payments may be a reason for refusal to cooperate.

CI is considered good if the client repays the loans taken on time and in full. The best category also includes clients who have had one-time delays in paying their debt for a period of no more than three days. According to statistics, the main reason for such delays is that the client simply forgot to repay the loan. Therefore, many banks send SMS reminders to their customers.

Borrowers who repay debts overdue by 90 days are considered undisciplined. The presence of a valid reason, provided that it can be confirmed by a document, is the basis for obtaining loan restructuring. This fact will also be recorded in the CI. The bank will also not issue new loan to a client who has not yet repaid the debt on the old loan.

Other options

Another way to get a loan without official work? The work activity of the borrower will absolutely not be of interest to the owners of pawnshops who lend money. Their services are much more expensive than banking services. The interest rate is calculated per day or week. That is, the rate specified in the contract must be multiplied by 365 days or 52 weeks.

First of all, you need to compare your income with the desired loan amount. Monthly payment should not exceed 30% of receipts. If this condition is not met, then try reducing the loan amount or increasing the repayment period.

good credit history, the presence of deposits in the borrowing bank, the ability to provide collateral - the presence of any of these conditions increases the chance of receiving a more profitable loan.

Don't deceive the bank. It is better to indicate a small but real salary in your application rather than a fictitious one.

Availability mobile phone Today you won’t surprise anyone, but the ability to contact a client via a landline number will be an additional advantage.

Conclusion

The ability to obtain a loan without an income certificate does not relieve the client of responsibility for repaying the funds. If the loan is repaid on time, the client will be able to use the same programs, but on more favorable terms. The occurrence of delays in loan repayments can block access to funds. After repaying the loan on time, you can use the same programs for more favorable interest rate. Banks will not cooperate with insolvent clients even under a high interest rate program.

For any credit institution, the decisive factor when issuing a loan is the solvency of the borrower. When issuing a loan to an unemployed person, the bank bears an increased risk of non-repayment of funds. Therefore, not every financial institution is ready to lend to such citizens, and those banks that do this issue loans on more stringent conditions.

Unemployed citizens can be divided into two categories. The first includes people who really do not work and do not receive any income, the second includes people who have an unofficial source of income. For example, nannies, housekeepers, tutors, freelancers, etc.

Banks will most likely refuse to issue a cash loan to non-working individuals. Such citizens can try to get a loan from a microfinance organization or pawnshop.

Formally unemployed people have a much greater chance of getting a loan. The main problem for these citizens is the inability to officially confirm their earnings. Therefore, they can apply for a loan for which they do not need to provide information about the labor activity and income - for example, an express loan or a loan without an income certificate.

It is worth noting that these types of loans are among the most expensive for the client. As a rule, compared to conventional loans, they are issued for more short term and at an inflated percentage, and in the form of a small amount.

Also unemployed citizen there is a chance to take out a loan secured by property - an apartment, vehicles, etc. Each bank will consider the possibility of issuing a loan taking into account various factors. If the decision is positive, the borrower will be able to count on a larger amount or more long term lending, as well as at a lower interest rate than an unsecured loan.

An important point is also a positive credit history of a non-working citizen. If it is available, it is easier to obtain the bank’s consent to issue a loan.

It is worth noting that today many credit brokers offer their assistance in obtaining a cash loan for unemployed citizens in Moscow. For their services, agents charge a commission - a certain percentage of the loan amount.

You should be wary of gray brokers who use prohibited methods to obtain bank approval for a loan - for example, attaching fake 2-NDFL certificates and fake copies to the application work records. Under no circumstances should you resort to the services of such intermediaries; in any case, responsibility for the loan lies solely with the borrower. If it later turns out that the documents when signing the contract were forged, then best case scenario The credit institution will demand immediate repayment of the entire debt amount. And in the worst case, he will contact law enforcement agencies, and the client may be accused of fraud.