Over the last few years, there has been a sad logic: those who are unemployed are usually also in debt, since he or she presumably lives on governmental support, which can only be obtained if all his assets have previously been reduced to a minimum has dissolved. The result is that every purchase goes into the money and the consequence is that the entry in the protection community for general credit protection goes into the basement. But the credit bureau scoring is not the only problem for those who need a loan without credit bureau for the unemployed.
The loan without credit bureau for unemployed: The biggest difficulty
More important than the credit bureau on the question of lending is the magic word creditworthiness. This term means the credit repayment ability of a person. Logically, this is based essentially on their own income, from which the cost of living and the so-called “unavoidable expenses” (such as a credit installment) are deducted. However, the income represents a problem for an unemployed person because he has no or at most the minimum amount that he is allowed to earn according to the law. In no case is his money enough to pay off high credit installments. To put it bluntly, an unemployed person will never get the opportunity to build a house.
The credit without credit bureau for unemployed: the elegant way out state
However, there is a possibility that helps the unemployed to get a loan without credit bureau for unemployed relatively easily and this listens to the name “state”. He has a great interest in getting the unemployed from his reference systems and therefore supports projects that serve to make them self-employed (keyword “I-AG”) and situations that definitely lead to a permanent position, with a loan or even a direct subsidy. If you have the prospect of a job, you do not have to worry about your money being insufficient.
The loan without credit bureau for unemployed at a bank
But even with a bank, you can get such a loan, although admittedly much more difficult than for people who have a job. A second person is indispensable for such a project. Some financial institutions are content with the fact that two people make the loan application, but this is far from self-evident. As a rule, a solid full guarantee for 100 percent of the loan amount must be present. If this is the case and someone who vouches is qualified as a guarantor (he should not also be in debt himself), then in principle there is nothing in the way of the loan.