Credit card disabled. How to get a loan to the unemployed? What banks give loan unemployed

When choosing a deposit product in a bank, each of the potential depositors arises two topical issues, which bank to choose and what deposit parameters will be most beneficial for the contributor. For sure, many of us would have answered that the most stable, proven and reliable bank - This is Sberbank of Russia. That is why it attracts most of the contributions from the population. But the second question requires consideration. Next, let's try to answer the question of which savings banks from the replenishment exist today, as well as their conditions.

What is a cumulative contribution to Sberbank

First of all, answer the question of what a cumulative account in Sberbank for individuals. If we talk simple wordsThis deposit account that allows depositors not only to receive interest at the end of the contract term, but also to make any free amount to the account, as well as to remove funds as necessary, but only the condition that the account remains a certain amount.

Please note that the cumulative account is the type of deposit in which the depositor can make and remove the means, as well as make a profit in the form of interest.

This type of contributions has several advantages. First, the account owner can monthly make a free amount on the account, respectively, its profits will be increased by accumulation, because the bank's credentials will also accrue income. Secondly, if necessary, you can remove a certain amount, so that the initial deposit amount remains on the account, and it does not lose interest.

Cumulative Accounts in Sberbank

Most large bank Our country offers its customers several deposit products, including accumulative deposits. Consider each of them, as well as their conditions.

"Pour online"

This is one of the views of the online deposit, that is, it is possible to arrange it only through the remote service of Sberbank online, respectively, this offer is available to Sberbank Card customers. His difference is that to open a deposit account, you do not need to go to the bank and sign the contract, the operation is carried out through the personal account in the Sberbank online system. Consider all the conditions of this deposit:

• the rate depends on two factors: the amount and term of the contract, on average it ranges from 3.95% to 5.12% for ruble accounts;
• the minimum deposit amount from 1000 rubles;
• the timing of the deposit from 3 to 36 months;
• capitalization of interest is provided;
• the possibility of partial replenishment from 1000 rubles in cash and cashless translation, the amount is unlimited.

So, according to the conditions of this contribution, the client may make a free amount monthly, but at least 1000 rubles per deposit account. Interest is charged taking into account the capitalization monthly. But when calculating interest, the amount of replenishment in the current estimated period Not taken into account, it will only take into account next month.

Methods for opening a deposit remotely

"Pop up"

Similar to banking Product It is the contribution "replenish", but only unlike the previous proposal, it is possible to arrange it in the Bank's Office. To open it to use remote service Sberbank online is optional. The conditions of this offer are practically no different from the previous one, with the only difference that the interest rate ranges from 3.7% to 4.62% per year.

"Manage" and "Manage online"

"Manage online" is also one of the types of remote deposits, it is possible to arrange it only through a personal account in the Sberbank Sberbank. Consider all its conditions:

• the rate ranges from 3.25% to 4.82% on ruble accounts;
• the term of the deposit from three months to three years;
• possible capitalization of interest;
• there is a partial replenishment and partial removal;
• the minimum deposit amount of 30 thousand rubles.

The minimum amount of replenishment from 1000 rubles. Concerning partial removal, You can remove any amount, but so that the account remains at least 30,000 rubles, so as not to lose the potential benefit in the form of interest. By the way, interest accrual is carried out monthly.

Deposit Terms of Control Online

The contribution of "Governors" is a contribution with similar conditions. The only difference is that the interest rate ranges from 3% to 4.32% on ruble accounts. By the way, the accumulative contribution of Sberbank of Russia "Governors" makes profit in the form of percent monthly on a separate account or plastic card, However, like other suggestions.

It is important that for all deposit offers, the prolongation of the contract for the next time is carried out automatically on the conditions current at the time of prolongation.

Contribution universal

Of course, this banking offer will be difficult to call the contribution, After all, the interest rate on savings account is only 1.5% per year. But this offer has its advantages, that is, a client can replenish the score at any time and remove cash without limitation, there is also no minimum and maximum amount To enrollment. By the way, the rate increases depending on the amount of savings. For example, if the amount exceeds 2 million rubles, the rate increases 2.3% per year.

What product to choose

So, what replenished accumulative contribution to Sberbank will be most advantageous for you, depends on several circumstances. For example, if you do not possess large amount moneyBut, nevertheless, there are free money every month, which can be put on the bank account, then the contribution of "replenish online" will be a reasonable option. If you have savings more than 30,000 rubles and want to manage them correctly, that is, replenish your account or remove cash, then you wonder how to choose the contribution of the "Manage online".

Conditions of a savings account in Sberbank

If you pay attention, then on online deposits interest rates a little higher, so if you are in force Sberbank customers to discover the account in personal Cabinet Sberbank Online.

If you summarize then, in Sberbank you will find several deposit offers that will allow you not only to make profits from accrued interest, but also to regularly increase your savings. Several proposals for accumulative deposits allow you to choose exactly what matches your capabilities and financial needs. Despite the fact that for some deposit rates will seem rather low, but if you pay attention, on each proposal for accumulative deposits there is a capitalization of interest, that is, you have the opportunity to make a profit from the percent deposit rank.

It would seem that no one would give money to a person who does not have work in our stern century of capitalism. However, many know how to take a loan to the unemployed Even in our country. In fact, the whole problem lies in the plane of our psychology. A person has no work, he understands that money should be given every month, and when he gets a job, it is not yet known and he is not even trying to learn about the capabilities that banks can offer today.

In fact, take a loan to the unemployment today is possible, and you can do it in several ways that I will write about just below. The only thing I still want to mention in the accession is to think on the forever and the best head. Yes, you can give credit and not small, but you must know exactly what to do with it, how will you return it and you must have a backup event development option. Only so you can protect yourself.

The first way to take a loan to the unemployed - go to the bank

It seems that this is ridiculous, because the bank is a solid institution that works only with solid people and organizations. But today it is not so. The fact is that banks earn their main money on ordinary people, such as you and me. The target loans to the population are issued. It is very profitable, because they are taken, literally, hundreds of people daily. Every month pays monthly interest, and in the end the bank gets very good profits. Recently, MFIs, organizations that can give you relatively small amount Money, let's say, up to 3,000 rubles, in fact, under honestly, it turns out that humble.

But I moved away from the main topic. That's what you need to do:

1. On the Internet, review the credit offers of large banks in your city
2. Choose those banks that offer a loan without income certificate
3. Apply for all banks

The fact is that banks today give out a loan only on a passport and any second document. It may be driver's license, TIN, military ID and even pension insurance. It is only important for the presence of a second document in your name, which will mean that the passport you did not stole, and he is yours. And all, banks by credit proposalswho do not require certificate of income, nothing will ask you anymore. Thus, you can get a bank credit, and on a solid amount.

The second way to take loan to the unemployed - Write a business plan

Our country has a small business promotion scheme. In order to qualify for this money, you must go to the local employment center, register there as unemployed. Find out the details of how and in what cases the state can issue you money for your own business.

Ideally, it looks like this:

1. Register in the employment center
2. Register on your name IP
3. Write business plan
4. Protect it and get money for development

This option, of course, is no longer as cloudless, as in the case of the bank, because the money will be given to you. And you should want to deal with this business, your business. Without this, you will quickly spend money and stay with anything. Therefore, before you act in this option - think if you are ready to become an IP and the owner of your business.

Third way to take loan Unemployed - Private Investor

Of course, it is difficult to call the Roshovist in the investor, but it sounds interesting. The meaning is that you take money not from the state and not commercial organization, but . Thus, you can agree on personal conditions of the loan, about the period of return and interest. In some cases, you can get the conditions even better than most banks. This is not a bad option, if only you are going to give money. Because otherwise, not polite employees of the Bank will call you and persuade to give loan. Surgical Siberian men will come to you straight home and very intelligibly explain that debts need to be returned. Therefore, it is better not to bring this situation.

I brought you three ways to take a loan to the unemployed, and which one choose - to solve you. I just want to note that any method is good in your field of activity, and before acting, think about the consequences.

There are different situations in life, for example, such when there is no work, there are no permanent income, and money is urgently needed. Or when there is a temporary part-time job, but there is still not enough money and you need to take some money from salary somewhere. The ideal solution is a credit card, but will it be given to the unemployed person?

In fairness I must say that the unemployed is different - someone does nothing and sits on the manual, and someone is spinning like a squirrel in the wheel, but nowhere is not officially executed. Both, and the other person according to the law, both possess the status of unemployed, but if the first option is still a very risky option for the bank, in the second case, the borrower does not differ from the employed person, but may even be even more well-consistent.

Some banks, by the way, will issue a credit card and fully unemployed. With a very small limit, with big percent, but will be issued. So often do banks and, go towards people in a difficult situation, in the hope that they will soon be on their feet. But the majority of banks are still a real unemployed, and then they have to urgently look for work or.

The most accessible cards for people without official work:

Revenue real, unofficial work

The lack of official income, that is, the inability to demonstrate the bank a certificate of salary, does not mean that you will not have a credit card. As you know, some credit institutions Give the cards, and many -, and the certificate is not included there in the number of mandatory conditions.

Its reliability and solvency can be demonstrated by the bank and other ways. Passport with marks about frequent passages, real estate owned, possession of an expensive car, securities, bank accounts and deposits. Although it should be recognized that the presence is always better than its absence. And in the same bank, the conditions on the loan can differ dramatically with a certificate without it.