Yes

No job will really affect the loan, but if you choose the right way, you can make the same payment. Don't be limited by your own thinking. Bian Xiao compiled some methods as follows:

(1) mortgage loan

Houses, cars and insurance policies with cash value in their own names can be used as mortgages to apply for loans, and many banks do not need to check the running water for mortgage loans.

1, real estate mortgage loan

The amount of real estate mortgage loan is mainly related to real estate assessment value, loan ratio and real estate type. The maximum loan amount of commercial housing is 70% of the house valuation.

2. automobile mortgage

It is necessary to investigate the amount of vehicle mortgage loan and evaluate the residual value of the vehicle. Considering various factors comprehensively, the evaluation of the lending institution shall prevail. For example, the maximum application amount of Ping An car owner loan can reach 90% of the vehicle evaluation value, and the maximum amount is 500,000.

3. Policy mortgage loan

Policy mortgage usually refers to a policy with cash value. You can apply for a short-term loan from an insurance company, which generally does not exceed half a year and does not exceed 80% of the cash value. Policies with cash value usually refer to life insurance, long-term critical illness insurance, endowment insurance, annuity insurance and other policies.

(2) secured loan

For borrowers whose personal qualifications can't meet the requirements of the bank, they can find others or guarantee institutions to guarantee themselves. As a guarantor, the credit status is good and the income is high. For guarantee institutions, to find a formal and well-documented guarantee company, guarantee institutions generally charge a high guarantee fee to see whether they accept it or not.

(3) Credit loan

Credit loans are pure credit loans, with relatively low thresholds and relatively simple procedures. It is good to handle it directly through online channels, but the amount will be relatively lower. Here are some credit loan products (in no particular order, for reference only).

1, e-loan from China Merchants Bank

The maximum amount of e-loan for China Merchants Bank is 300,000, and the number of optional periods is 3, 6, 10, 12, 24 and 36, with the highest rate of 0.75% for the 36th period. After the successful application, the loan will be released within 48 hours. Specific rates and applicable amounts shall be subject to system evaluation.

2360 IOUs

360 IOU is a credit product of 360 Group, with a maximum amount of 200,000, which can be divided into 24 installments at the longest. The lowest annualized interest rate can reach 7.2%, and the loan can be released within 5 minutes at the earliest. The specific rates and amounts are subject to the examination and approval results.

3, the degree of small full financial.

Xiaoman Finance is a consumer credit product owned by Baidu, with a quota ranging from 500,000 to 200,000, with daily interest, and the minimum daily interest rate can reach 22,000. You can borrow and return with it, and the number of optional periods is 3, 6, 12. The specific rate and applicable amount depend on the system evaluation.

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Can I apply for a loan without a job? Here are some ways to find the answer.

In today's society, money is very important to us, but sometimes what if there is no money? Presumably, many people will choose to borrow money because it is convenient and fast. But some people want a loan and have no job, so can they apply for a loan without a job?

In fact, many times it is inevitable to encounter a shortage of funds, but many people will borrow money from online loans. After all, online lending is very convenient, as long as the borrower pays a little interest. Just, can I apply for a loan without a job? Presumably, this problem is of concern to many people. Here are some ways to understand!

Large mortgage loan.

When applying for mortgage loans, all lending institutions will issue loans according to the borrower's repayment ability. If the borrower owns real estate, automobile products, enterprises or other large assets, the bank will generally pass the examination and approval directly.

Third-party secured loan.

If the borrower has no job and no stable source of income, he can find a guarantor with repayment ability to apply for a secured loan. It is worth noting that the guarantor must meet the application conditions of the lending institution.

Withdraw cash by credit card.

Credit card withdrawal is overdraft withdrawal. Cardholders can withdraw 50% cash from their cards through ATM, and the withdrawal amount of some credit cards is even as high as 100%. It is worth noting that, yes, credit card overdrafts need to pay handling fees and interest, and the daily interest is about five ten thousandths.

Apply for policy loans.

If citizens have previously insured in an insurance company, they can also apply for a loan with the value of the policy in case of insufficient water.

How can I get a loan if I want to buy a house without a job?

First, if you don't have a job, you can buy a house with a loan.

Second, for buyers who have no formal job, they need to apply for commercial loans to buy a house, and they need to follow the bank's process:

1. The borrower fills in the loan application form and provides the necessary information.

2. The lender shall review the borrower's credit status and information, and give the applicant a formal reply within three weeks.

3. If the lender agrees to the loan, the borrower and the lender sign a loan contract. According to the different loan guarantee methods, mortgage contract, pledge contract and guarantee contract should be signed at the same time.

4, according to national and local laws and regulations, as well as the provisions of the Construction Bank, for real estate insurance, mortgage registration or contract notarization and other procedures; The lending bank issues loans according to the contract.

Extended data:

First, the basic conditions of commercial housing mortgage loans:

1. Agree to go through the mortgage registration of pre-purchased commercial housing first, and promise to use the purchased house as loan mortgage and go through the mortgage registration formalities again after the purchased house is completed and the property ownership certificate is obtained.

2. The borrower has a stable occupation and income, good credit and the ability to repay the principal and interest of the loan; The purchased house is located in a town (including urban area, county town and big market town), and in principle it is the borrower's current residence or place of work and business;

3. The loan amount is determined according to the borrower's credit status, occupation, repayment ability and the liquidity of the purchased house.

Second, information must be provided:

1, income certificate of the purchaser;

2, the applicant and his spouse's identity card, residence booklet and three copies of the original (the applicant and spouse do not belong to the same account, need to attach a marriage certificate);

3. The commercial housing sales contract signed by the purchaser and the company;

4. 1 Original and photocopy of advance payment receipt for 30% or more of the house price;

5. The developer's collection account number is 1 copy.

6. If the borrower is a legal person, it shall carry a valid Business License for Enterprise as a Legal Person or Business License for Enterprise as a Legal Person, identity certificate of legal representative, financial statements and loan card. If it is a joint-stock enterprise, it is also necessary to provide the company's technical articles of association and the certificate of consent of the board of directors.