When one is unemployed, financial condition against a lender does not change much: the absence of guarantees of stable cash flow that will last, banks and credit agencies do not want to loan . This sometimes causes unpleasant situations: imagine that your car has broken down,and you have more money for repairs ... how to look for work? There areinterviews to go, appointments, quick!
Faced with this situation, when you're unemployed, you are disarmed. It is true that compensation Assedic is a tremendous boost that some countries abroad do not have. But sometimes it's enough already that even a salary is not enough ... I inquired everywhere on the Net to find information on what can be done to get credit when you are unemployed or at least help.
ANPE, now cluster for employment, do not have much to offer that level.It just informs tax credits that are made by the state to young people whowould go in a company in a sector where it is difficult to recruit, such as hotels, mechanics, agriculture, trade: trades painful, in fact. On the site ofthe ANPE, we can find that:
"Young people can receive a tax credit equal to € 1000 if they receiveover a period of six months of income between € 2970 and € 10 060. "
This therefore to encourage young people to fill the jobs that very few people want to do.
In fact, you can get a credit, depending on the purpose of your credit. For example, if you want to create your own job, there are aid credits tobusiness creation. If, you want a credit against self unemployed, it will beharder ... My first advice at that level, it would be to buy a car on occasionand not to credit. Ok, I hear in the background, "even for the old self, I need a credit."
Well as you put it bluntly: you will not. Without fixed income, no personal loan possible. Let alone in times of crisis, even shady credit agenciesthat lend at exorbitant rates do not anymore. ... And somewhere better.These were the famous "Assedic Credits", the consumer credit that an individual could get when he was unemployed. Credit agencies watch less easily grant funds, we all remember the reports on TV that showedpeople who had managed to get 40,000 euros in one day by the turn of the credit agencies, credit alone revolving! You must not rely too much ordo, if you are unemployed and very tight, I think it is better to sell the few assets that would still, or pawn.
By cons, if you are on good terms with your bank, maybe you cannegotiate a purchase of credits? If you have many loans outstanding, it would be if your situation allows it (imagine a joint CDI for example), to group them into one to reduce the monthly payments. Most organizationscan make a prepayment if your situation improves in the future.
As you can see, there is no easy solution. We must find a job before taking a loan, it is ultimately the only realistic possibility. Left to take apoorly paid job.
We often tell you: no job, no credit. Jobs, work, compensation is what isessential to obtain credit from a bank or a finance company. There are several forms of employment, several types of contracts in France, like most lenders are always permanent, the permanent contract. This type ofemployment contract provides a guarantee to banks that earned incomewill be stable over time, and there will be no major difficulty to repay the loan.
When we get more to repay loans, the first thing to do is probablyincrease revenue: by starting to work, either by working even more! This is of course easier said than done, unfortunately.
