People who have a shortage of income in our country have to take out a loan in order to meet their needs. While the process of withdrawal is caused by essential needs in some time, sometimes it is due to the needs that they cannot postpone. There are many institutions in Turkey lenders. Banks come first among these institutions.
Banks offer a number of conditions to their customers while giving credit. While some of these conditions are favorable for customers, some of them put people who are already in financial difficulties more difficult. The titles announced in the form of credit without guarantee, unconditional and income documents on the internet or television ads reach different dimensions when the application is made to the bank.
Credited by Banks
In some cases, banks give their customers loans without income documents . In other words, the customers who receive the bank’s salary from their own bank, in other words, give loans to their customers without income documents, but in this loan transaction, the issue of how many years the customer has been working with the bank and whether there is any interruption in the salary is investigated.
If a risk factor appears in the KKB report of the person who is a salary customer, they cannot benefit from this loan facility. Any information written or displayed about banks on the screen or on the internet is not correct. Some situations greatly affect the terms of getting credit.
Income Documents Loan to Those Who Have Deposit Account
Some people who request credit to the bank have a deposit account at the bank. These individuals may not want to change their deposit account interest rates for their small loan needs. For this reason, they can apply for a loan to the bank. In this case, the bank does not request proof of income from the person. The bank does not need an income certificate as it will see the amount of cash in the person’s time deposit account in the researches it has made to give credit to the person. The bank will see the person’s money in the time deposit and will operate according to the risk factor. The banks search all details clearly and in detail while giving credit to their customers.
Credits without Income Documents from State Banks
Apply loan without income certificate to retired and account holders from their own banks. For this process, risk factors are reviewed. If the credit applicant’s credit score is high and not in the black list, the loan process is completed in a short time.
Tradesmen, Farmers and Payroll Employees
People who do their own business in our country work without payroll. However, these people are those who circulate by using the pos device of banks or by depositing and withdrawing money from their bank accounts. Banks give loans to these people without payroll, by looking at the standards of working with the bank. Persons whose working standards are properly regulated with the bank can be given loans only by looking at the transactions made without an income certificate.
Mortgage And Guarantor With Income Undocumented Loan
For people who want to get loans without income documents from banks, another method of lending by banks is to apply mortgage transactions. In this transaction, the person applying for a loan must have a title deed in his name. Banks place mortgages on this title for lending to this person and pay the desired loan amount to their customers. The purpose of this transaction is to ensure that the person pays his debt. In this transaction, if the debt is not paid within a certain period of time, the bank will be seized by the bank.
Another form of obtaining a loan without income certificate is that the bank is requested by the bank since the person does not have an income certificate. In this transaction, when the person who owes and has no income certificate does not pay the debt, the payment of the debt is left to the guarantor. The bank sets these conditions to guarantee its receivables in every way.