Loans Without Income Documents

 

When banks will give loans to individuals without requesting a proof of income; they ask the person to show any guarantor, mortgage any immovable property, document an additional income such as a rental certificate, or make a commitment to pay the loan. Especially as housewives who can not prove their income on behalf of the people can easily take credit, it is quite an advantageous service to attract paperless loans.

Undocumented Loan – Application

Loan Undocumented Loan Application

Here are some things to know about attracting non-income loans:

  • Persons with high credit ratings and clean records are given loans without income documents.
  • Applications can be made online, or loan applications can be made through branches.
  • When applying for a loan without income certificate, the identity card is requested from the person. If the person does not have an identity card; passport, driver’s license or temporary identity document are also accepted.
  • The upper limit of the loan to be given is 30,000 dollars.
  • Up to 60 months maturity option is offered.
  • A person who has received a 10,000 dollars loan with a 36-month maturity; In its repayment, it should pay 379 dollars in installments per month, and also 1.49% interest is applied to the loan it takes.
  • Among the people who took credit ; 53 dollars loan allocation fee is charged.

Withdrawing Credits From The Bank Without Income Documents

Withdrawing Credits From The Bank Without Income Documents

Here are some things to know about obtaining loans without income documents from the Bank:

  • It is a type of loan that people who have never had a loan before and who have a clean registry because they have no debt.
  • The maximum loan that can be given is 100,000 dollars.
  • Credit is given with a maturity of up to 36 months.
  • Those who receive this loan are subjected to 1.09% monthly interest.

Undocumented Income Credit Bank withdraw

Undocumented Income Credit Bank withdraw

Find out more about undocumented attract revenues from the bank loans are as follows:

  • In order to apply for a loan without income document, the person needs an identity card. In the absence of a birth certificate; Applications can also be made with a driver’s license, passport or temporary identity document.
  • Credit application without income certificate; It can be done by SMS and internet banking, or from the branch.
  • The maximum loan amount that can be given is 12,500 dollars.
  • The person is a customer and regularly uses the bank’s credit cards; it provides an advantage to the loan application.

Banks That Offer Interest-Free Home Loans

It does not apply interest to the loans borrowed by individuals. However, they give loans through the profit and loss partnership method. Therefore, they must repay a certain amount of the money they receive with the profit and loss partnership.

However, this is not an application of interest. In addition to the banks; It is also possible to obtain interest-free home loans from institutions such as Sean Cole. However, the conditions are a little different in Sean Cole.

Persons cannot take the loan in the month they applied directly and cannot settle in the house they took the month they applied directly.

People join a group of people who want to buy a certain number of houses, and according to the draw drawn within the group, one person becomes a host every month.

There is also the possibility to obtain interest-free loans from the state and artisans. However, they must be registered with the Chamber of Merchants and Craftsmen.

What are the Requirements to Get Interest-Free Home Loans?

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Requirements for obtaining interest-free home loans are as follows:

  • In banks that are not included in the participation bank system, in order to get 0 interest loans up to 60 months maturity; The person must pay 25% down payment for the housing loan.
  • The rate of dividend to be applied to the mortgage loan received by individuals; It varies according to the down payment and contribution amounts that people pay before getting the loan. Therefore, people who want to get credit with a lower profit share rate; more down payment is required.
  • People who will pay down payment below 20% are not given zero-interest loans. From the state.

Good Finance Interest-Free Home Loan Calculation

If Good Finance needs to calculate interest-free home loan; Assume that 100.000 USD mortgage loan is obtained with a 120-month maturity. The rate of dividend applied to this loan is determined as 1.47%.

The number of installments requested from the person to pay monthly; It is 1.779 USD. The amount that the person is expected to repay in total is; It is 214.464 USD.

Interest-Free Home Loans We recommend you to read our Good Finance article.

Good Credit Interest-Free Home Loan Calculation

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If it is necessary to calculate Good Credit interest-free home loan; Assume that 100.000 USD mortgage loan is obtained with a 120-month maturity.

rate of dividend applied to this loan is determined as 1.64%. The number of installments requested from the person to pay monthly; It is 1.911 USD. The amount that the person is expected to repay in total is; It is 230,624 USD.

Good Credit Participation Interest-Free Home Loan Calculation

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If it is necessary to calculate an interest-free home loan for Good Credit Participation; Assume that 100.000 USD mortgage loan is obtained with a 120-month maturity.

The rate of dividend applied to this loan is determined as 0.99%. The number of installments requested from the person to pay monthly; It is 1.428 USD. The amount that the person is expected to repay in total is; It is 172.202 USD.

We recommend you to read our article on Good Credit Participation Bank Home Loan.

Honest Bank Participation Interest-Free Home Loan Calculation

Financial contributions while Turkey must make interest-free home loan calculations; Assume that 100.000 USD mortgage loan is obtained with a 120-month maturity.

The rate of dividend applied to this loan is determined as 1.60%. The number of installments requested from the person to pay monthly; It is 1.880 USD. The amount that the person is expected to repay in total is; It is 226.339 USD.

Your Bank Interest-Free Home Loan Calculation

Your Bank Interest-Free Home Loan Calculation

If your Bank needs to calculate interest-free home loan; Assume that 100.000 USD mortgage loan is obtained with a 120-month maturity. The rate of dividend applied to this loan is determined as 1.47%.

The number of installments requested from the person to pay monthly; It is 1.779 USD. The amount that the person is expected to repay in total is; It is 214.464 USD.

How to Get Disabled Loan

For those who want to get a disability loan; they should be able to document their disability with a medical report. In loan applications, identity documents, health report and income documents documenting their disabilities are requested. If it is necessary to answer the question of how to get a disability loan;

Take disabled credit 

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Those who want to take disabled credit should go to one of the GFI branches with the necessary documents. GFI acts as an intermediary between the handicapped person and the institutions that will give him disability loans. The applicants forward their applications to the banks.

When the application evaluation is made, if the application is positive, this situation is reported to the applicant in a short time. In the health report required for the disability loan;

The person with disabilities must write clearly what the disability is and how much is the percentage of the disability. If there are multiple obstacles; Each obstacle should be written separately with the percentages.

What are the Requirements to Get Disabled Loans?

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Necessary conditions for obtaining disability loan are:

  • Turkey Disabled people want to buy must be a citizen of the Republic of loans.
  • Must be over 18 years old.
  • It should not be under any restrictions.
  • It is necessary to have a monthly documentable regular income.
  • The credit registry must be correct and the credit rating must be sufficient.
  • The requested loan amount should not be more than twice the monthly salary.
  • Disabled people who do not have a lien in salary can apply.
  • The percentage of disability must be at least 40%.

Do we recommend you read our Credit article for the disabled?

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What Are Banks With Disability Loans?

Banks that give loans for the disabled are:

  • GFI lends up to 30.000 USD with a maturity of 60 months.
  • Good Finance Bank offers a loan option up to 30.000 USD with a monthly interest rate of 2.09%.
  • Honest Bank offers disability loans with a maturity of up to 60 months with favorable interest rates.
  • Good Credit gives credit to the disabled.
  • Disabled people can get credit from New Credit.
  • Although it is not given directly under the title of the disabled loans; Since Honest Bank, Honest Bank and Thrift Bank consumer loans can be obtained easily, people with disabilities can apply to these banks.

What are the Features of Good Finance Bank Disabled Loan?

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The features of Good Finance Bank disabled loan are:

  • Disabled people are given loans up to 30.000 USD.
  • Up to 60 months of maturity options can be offered.
  • The monthly interest rate for disabled credit is 2.09%.
  • How disabled people take credit, they need to apply through the Good Finance Bank website.
  • In the event that 10.000 USD disabled loan is obtained with a 30-month maturity; 478.29 USD installment should be paid monthly and the loan allocation fee can be up to 150 USD.