Can I get a loan without a job and a mortgage? Now

Yes, you can borrow money according to your work or credit situation and your development potential. In short, it is an unsecured credit loan. Because there are four kinds of loans: credit loans, mortgage loans and secured loans, just one of them. Hengfeng bank, China Merchants Bank, Bank of Ningbo, Industrial and Commercial Bank of China and so on, but the amount you apply for is different.

Moreover, there are two ways to apply for a loan. One is to apply for loans directly from banks or financial institutions, and the other is to apply for loans directly from websites entrusted by banks, such as Easy Loan China website. At the same time, according to your personal situation, the materials you need to prepare are different. I suggest you don't go to the website to learn about the various loan products of major domestic banks at present, and then choose the products that suit you. This summary introduces various personal loan products of various banks in detail, including application conditions, interest rates, application quotas, etc. Then you can choose to go to the bank or apply directly online.

General website application steps: first submit your personal information and materials to the website-the bank personnel receive your personal information and review it-the bank personnel contact you, ask about your situation, recommend loan products suitable for you-reach an understanding, and the materials you are going to submit-loan review (usually about 2 weeks).

I don't know what kind of loan you want to apply for Let me recommend something you might need first-

(1) Online fast application channel-quickly solve the financial problems of small and medium-sized enterprises and individuals Amount: 0.5-50,000 yuan.

Online application address:

(2) Personal salary loan-a secured loan for personal consumption needs, which is paid to the borrower according to a certain proportion of the borrower's monthly salary income, and his personal salary income is used as the repayment guarantee without guarantee. Amount: 50-200,000 yuan

Online application address:

(3) Personal Credit Easy Loan-Personal Credit Easy Loan, that is, personal unsecured and unsecured credit loans, is a popular loan product customized by Easy Loan China for individuals with loan needs all over the country. This product is deeply loved by customers because of its limited application scope and flexible combination of loan term, interest rate and repayment method. Customers who apply for "Personal Credit Easy Loan" will also enjoy free services and free professional loan feasibility assessment services. Amount: 80-500,000 yuan

Online application address:

Can I get a loan without a job and a mortgage?

Users who are unemployed and unable to provide collateral can try to apply for credit loans or secured loans. The former has a low application threshold, and users can apply as long as they have good credit information, meet the age requirements and have a certain ability to repay the principal and interest. The latter needs to provide qualified guarantors so that users can apply for secured loans even if they have no jobs.

In fact, just because a user has no job doesn't mean that the user has no repayment ability, so he can't apply for a loan.

No job, no mortgage, can I get a loan? There is no introduction to the working platform.

When banks and private lending institutions apply for loans, they all require lenders to provide relevant work certificates to judge lenders' repayment ability. If you don't have a job, you can apply for a loan by car or house. As collateral. If the applicant has no job, no collateral, no job and no mortgage, can he get a loan? Bring you detailed answers.

1. Without a job and mortgage, can I get a loan?

To apply for a loan, banks and lending institutions require the applicant to have a stable job and income now. No job means no repayment ability. Banks and lending institutions will not lend money to people who are unable to repay. So you can't apply without a job.

How can I get a loan without a job and collateral? Introduce you to the following low-threshold loan platforms.

Second, the introduction of no working platform.

Suning arbitrary payment

Suning is willing to provide loans to people with good credit, and can easily apply for immediate payment without work certificate and collateral, which is suitable for unemployed and mortgage-free users to apply for loans.

Ant, please.

Ant lending is a brand-new platform with low threshold, fast lending and support for the unemployed. The minimum amount is 500 yuan, the maximum is 300,000 yuan, and the longest loan period is 12 months.

JD.COM gold bars

The maximum amount of gold bars in JD.COM is 300,000 yuan, and the requirements for lenders are very low. You can pay in half an hour. No job, no mortgage, can I get a loan? JD.COM gold bars solve your problem.

Can I get a loan without a job and a mortgage? The answer is that through some low-threshold loan platforms, there may be no jobs. These platforms introduced in the article usually have low quotas. If you need to apply for a large loan, the bank is the best choice. So I suggest you find a stable job as soon as possible, and you have proved your excellent repayment ability.

Can I apply for a mortgage loan without a job?

Can I apply for a mortgage loan without a job? How do freelancers apply for mortgage loans? For borrowers who apply for loans, banks generally require a fixed job and income to ensure a certain repayment ability. At present, most loans require the borrower to have a stable job and income, the ability to repay the principal and interest of the loan on time, and a good credit record, otherwise it is difficult to get the loan. Many people who need loans are actually freelancers, so can't freelancers apply for mortgage loans?

Can I apply for a mortgage loan without a job? How do freelancers apply for mortgage loans?

This problem needs specific analysis. Generally speaking, if the borrower does not have a stable job, he can't apply for a mortgage loan, but if the freelancer belongs to an individual merchant or other people with a fixed income source, it is still possible. Because borrowers have their own sources of income and houses as collateral, most lending institutions, including banks, are happy to lend to these people.

When people who have no job apply for mortgage loans, it is best to provide the bank with proof of income for six consecutive months-most of them are in the form of running water in the bank, so the success rate of applying for mortgage loans is still relatively high.

In addition, it is easier to apply in private lending institutions. If the borrower's income is stable and rich, even if the borrower has no job, he can still apply. Of course, if the borrower is the business owner, it is better to provide business license, tax payment certificate, tap water and other materials.

In addition to banks, the requirements of private lending institutions, guarantee companies and pawn shops will be much lower. Specific institutions need to be consulted for specific situations, and the requirements of each institution may be different. Of course, if you go to a pawnshop to apply for a real estate mortgage, then only you have a house and a real estate license. However, the mortgage interest rate of pawnshop property is very high, which is generally not recommended. Even if it is handled, the loan period is not easy to be too long.

However, if the borrower can provide collateral as collateral, the lending institution can appropriately relax the loan threshold. Compared with banks, the loan threshold of third-party lending institutions such as small loan companies, pawn shops and guarantee companies is lower, such as the mortgage loan of pawn shops. As long as the borrower can provide "house ownership certificate, state-owned land use certificate, purchase contract/purchase invoice, valid identity certificate of husband and wife, marriage certificate and income certificate", the application can be made.

In addition, the borrower's credit is very important. Whether in a bank or a formal private lending institution, it is difficult to apply for a loan if the borrower's credit report is in a slump, which has nothing to do with the borrower's job stability.

Can I apply for a mortgage loan without a job? How do freelancers apply for mortgage loans? In short, work is not the only factor to judge whether a loan can be made, but also depends on whether the borrower has the ability to repay in full and on time and whether his credit record is good. Moreover, when looking for a lending institution, the borrower should not just stare at one institution. Instead, he wants to compare several institutions, and then find out the institution that best meets his own conditions to handle the loan, because the loan requirements of different institutions are different.

Can I get a loan to buy a car without a job?

You can't borrow money to buy a car without a job and collateral.

Without stable income and repayment ability, banks will not accept:

Car loan object: The borrower must be a resident of the permanent residence where the loan bank is located and have full capacity for civil conduct.

Loan conditions: the borrower has a stable job, the ability to repay the principal and interest of the loan, and good credit; Can provide recognized assets as collateral or pledge, or a third person with sufficient compensatory ability as a guarantor to repay the principal and interest of the loan and bear joint liability.

Loan amount: The maximum loan amount generally does not exceed 80% of the price of the purchased car.

Loan Term: The loan term for automobile consumption is generally 1-3 years, and the longest is no more than 5 years.

Loan interest rate: uniformly stipulated by the People's Bank of China.

Repayment method: you can choose one-time repayment method of principal and interest and installment repayment method (equal principal and interest, equal capital).

Can I go to the bank for a loan without a mortgage?

Yes, the loan amount depends on the assets appraised by the bank. \ is a form of loan liability without specific asset guarantee, that is, a loan issued without the guarantee provided by the borrower or a third party according to law. Also known as unsecured loans, or credit loans. You don't need any collateral, you only need identification, income proof, address proof and other materials (the specific proof materials depend on what bank and application type) to apply for a loan from a bank. Banks issue loans according to personal credit, and the interest rate is generally slightly higher than that of secured loans. Customers can choose the loan term according to their individual circumstances, and then sign a contract with the bank. \ Application materials: business license, organization code and tax registration certificate of the loan applicant. Identity card of the legal representative; . Basic account's account opening permit for the loan applicant; . The flow of the loan applicant's enterprise account in the last year and the personal bank flow that can reflect the operation of the enterprise; Office land lease contract or ownership certificate; The loan applicant's business premises rent invoice, utility bill and property fee bill in the last month (both are acceptable); , the loan applicant's recent personal residential rent receipt or utility bill; The tax payment certificate of the loan applicant in the last 3 months (tax payment certificate issued by the tax bureau, or detailed flow of tax preferential accounts, or preferential invoices for business tax and value-added tax can be provided); . Business license for special places (industries that need franchising must provide, such as; Health permit, road transport business license, special trade business license); Recent commercial contracts and orders. \