In order for such a bank to become active, customers should pay fees in advance or even take out insurance to be able to expect a withdrawal. As a result, it is very difficult for you to get a loan from a bank out of unemployment. At first glance, the alternative is to take out a loan without credit bureau from a Swiss financial services provider. Even if no credit bureau request is made, borrowers must meet certain requirements. It is not easy to get a Swiss loan without credit bureau for the unemployed.
Is there a possibility of a loan for the unemployed?
The fixed remuneration for employees or employees is the most important security for credit institutions. As a result, it is very difficult for you to get a loan from a house bank from the unemployment rate. Loan offers for the unemployed, as they are often offered on the net as simple, simple and very fast ads, are often dubious or confusing promotional offers, as such a loan from the provider is ultimately not feasible.
For unemployment benefits 2, the chances of obtaining a serious loan are significantly close to zero. However, unemployment benefits 1 also reduce the income from previous salary payments by 40%. Depending on the actual unemployment compensation, each individual house bank calculates to what extent the applicant can repay the monthly installment.
In most cases, the loan term would also exceed the period for which the disability benefit 1 is paid. Thus, the loan application is already at the banks of the table. However, there are ways to get a loan even if you are currently unemployed. Favorable prospects for a loan for unemployed at a bank: You can also get a small loan in major financial markets such. For example, in the field of lending to AIDS or in the field of health care.
No private lender lends in the case of unemployment benefits or basic benefits without collateral and income guarantee. However, if your salary is sufficient, for example for a small loan, you have a better chance of raising the necessary capital. In emergencies, you can also apply for a loan from the Employment Agency or the employment office or the employment office.
For example, for urgent home furnishings, new acquisitions of washing machines, refrigerators, stoves, etc., such loans are granted to the unemployed. If you are unemployed and living in your own home, you can also apply for a loan from the employment agency for major repairs to be made to your home. The awarding of these loans takes into account the economic situation of the participant.
The repayment of tranches is therefore not an unrealizable burden for the unemployed.
It is as with any other loan to ensure that you submit the loan application completely and truthfully. The term “credit without credit bureau” is often misunderstood as a loan for which no collateral is required and no queries arise.
For example, without credit bureau only means that the credit bureau is not asked for foreign loans, since it is an institution that is specific in the Federal Republic. As is the case with a German house bank, the foreign bank generally does not waive proof of the security deposit for the return of the borrowed money. Again, it is not possible without credit check.
They charge fees and other specified payments are required, if you have committed to a risky investment or hedging, usurious interest rates are calculated (check the internet for the possible maximum interest rates for usual loans). No other meaningful, credible entries, exams, etc. by the intermediary or the agency find.
For the unemployed, there are limited opportunities to obtain a loan, but please take into account the serious suggestions of the bank or the employment agency.