Loan without confirmation of income and without registry

  • July 31, 2019

The financial sector offers many types of loans. In this article we will explain what the different services are, when it is good to reach for a loan and when we should avoid it. Interesting advice and tips for anyone who is going to apply for a loan. What company is best for us? Is a loan in or out of the bank better?

Loan in the family

Loan in the family

If you suffer from a lack of funding, try to reach out to your loved ones. It can be family or good friends, but be careful moving on thin ice. Everyone does not have to be comfortable and prefer to choose a banking or non-banking company. On the other hand, we rely on the fact that if we ask the family we will not have to pay any fees and we will not have any sanctions. It may not be a bad thing to have an interest-free loan contract. We recommend using it mainly if you are going to lend to a friend. It’s nice to know him for several years, but why not be sure that he’ll pay you back at least as much as you lent him. Very often it happens that the best friends become arch enemies, because they immediately argue about the money. It is usually in place for goodness to beg ..

Bank loan

Have you failed your family or are you principled and do not want to borrow from friends? Never mind, there is a bank loan. More and more young people live on debt. Most often we borrow for a new apartment or house, for a car or for a holiday abroad. Housing loans are very popular. Banking companies focus on amounts ranging from CZK 50,000 to several million. Thanks to the great competition and the fact that more and more banking companies are expanding into the Czech Republic, we can get a much better loan than it used to be. You can use the borrowed money for whatever you want. The interest rate starts at 4%, which at first glance looks very nice, but beware. Banks often mention from, but “DO” no longer mention. Always read the contract sufficiently before signing it. If something is unclear, ask or consult an expert.

What do I need?

  • Have a valid ID card
  • a second identity document (passport, driving license) may be required
  • bank statement for the last three months
  • confirmation of income from the employer

Be aware that the bank will click through you very thoroughly before approving the loan. Clients with lower incomes, such as pensioners and mothers on maternity leave, usually fail because they are too much of a risk for the company. In addition, all bank non-bank registers are examined. If they are not “clean” you are unlucky. Unfortunately, it happens that one late payment of services for the mobile operator and the loan is rejected.

Non-bank loan

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Non-bank loans have a relatively bad reputation in the Czech Republic, but you would wonder how many people use their services. Many clients complain that these companies are not fair, but not always so. It is very important to choose the right provider. It is also very important how much you are seeking. You can get a short-term loan up to CZK 20,000 free of charge if you are a new client. You can only use this service once per company. The maturity period is usually within 30 days. You can extend it, but fees are so high that it pays to take a long-term loan. Beware of interest rates and monthly payments. It should not be too high to burden you too much. Beware of the debt trap, this occurs when the borrower has higher costs than income. They are trying to save it by borrowing, but they get worse.

Payday loan

Payday loan

One of the most popular non-bank loans is just a payday loan. This is most often used by clients to cover so-called unexpected expenses. It can be a broken home appliance or paying a school in nature for your children. These amounts are in the order of hundreds to several thousand, always several days before the payout and that is why you should not have any problem with subsequent repayment of the loan.

Short-term loan without proof of income

Proof of income can cause great difficulties for many applicants, and therefore a loan without proof of income is the most sought after phrase in the lending business. Unfortunately we will not please you. Loans without income were still possible in 2016; income must now be documented to allow providers to assess the solvency of each client. Documentation may not be required only if you have already taken a loan with the company in the past. The last option is to look for a private investor who will not require these requirements.

Loan without register

Loan without register

Getting into the debtors register and having a negative record here is easier than you think. You accentuate the fact that the Czechs are a nation that does everything at the last minute or up to five minutes after twelve. That is why we are in trouble. While the bank does not lend you, but a loan without a register is possible with non-banking companies. Although they have to look into it, you can still get a loan even if you have been late in the past.

Online loan

Online loans are the new standard in providing this service. No more queuing at the post office or bank. Now everything can be done from the comfort of your room. All you need is a computer or an internet-enabled mobile phone. Once approved, the funds are transferred to your account and you can withdraw them immediately. With the same bank connection, the transfer of funds is even faster.

Loan for entrepreneurs

Being an entrepreneur does not have to be any honey as most people think. Beginnings are very difficult Many start-up entrepreneurs have such high costs that they can forget about the paycheck. Only after a few years can the business grow and you start to be successful. A quick loan for entrepreneurs will certainly help.

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