The first data of 2016 give us confirmation that that of youth unemployment is a phenomenon still particularly anchored in our country. On the basis of this data are therefore born, by the lenders, some types of financing, designed to buffer this phenomenon. The formulas addressed to the unemployed and, more generally, to the categories of work without payroll are possible, but still few financial companies are willing to offer you access.
In general, compared to a few years ago, there are more solutions but the conditions for access to credit have become more stringent: the crisis has exposed the borrower to potential insolvency situations in the case of loans and loans. The changed working conditions have led many to find it difficult to obtain a financial loan.
Let’s say that some loan formulas have been in force for some time, but these are anchored to some – stringent – cornerstones:
The credit formula granted by the institution so named is addressed to those who do not have a paycheck and, consequently, regular income.
The same is true for protested subjects and bad payers: a loan without a paycheck is an even more quirky process, compared to those who find themselves in a “normal” situation of economic discontinuity.
In the event of a loan request without a paycheck, the bank requests the intercession of a person offering good guarantees.
Considering the above premises, let’s see in detail which types of guarantee the bank can solicit:
Postepay SpecialCash, a formula that allows unemployed people (with a guarantee) to have access to small financial loans, has just come into force on the financial market.
This proposal is divided into three financial plans, which can be modulated according to customer needs; the financial bands are as many:
Postepay SpacialCash is not a loan formula aimed at families with financial difficulties, but it is a good solution for the young unemployed person who, after a family guarantee, will be able to finance his interests and activities in the short term.
Do not turn around too much: not having a paycheck invalidates the pillar guarantee requested by the bank. To grant a loan the bank requires an income that justifies supporting the monthly payment.
Notwithstanding this, if the contractor, once he has ascertained that he does not appear in the bad payers register, provides the bank with as many guarantees as possible – through the ownership or with the intercession of a guarantor – and requires limited amounts of money, is likely to have access to the loan.