Probably the one who has a job and has a regular income. Because this can on the one hand finance daily life, on the other hand, however, in the case of a financial emergency situation at the bank a loan request are made. After all, having a regular salary is one of the main requirements for getting a loan from the bank at all. But what if you lose your job and are considered unemployed, but still need a loan? Is an unemployed person entitled to a loan? And if so, who grants a loan for the unemployed ? Under what conditions or conditions? Can the employment agency help? All of these are questions that certainly go through the head of a large number of people every day. Time to take care of the questions and bring a little light into the dark.
Credit from the employment agency
Anyone looking around the Internet for a loan for the unemployed will first and foremost find loan offers, which come to 99 percent from so-called credit intermediaries. These advertise that you can help unbureaucratically even in the most difficult cases, to which unemployment undoubtedly belongs. But beware: these loan offers are often real credit crunches that are more about rip-off than real help. When it comes to looking for ways to obtain unemployment benefits, the regional employment agency should also be considered. The following applies to employment agencies: In principle, the employment agency or job center is obliged to help an unemployed person in dire need. So it is also possible to get an unemployment loan through the Employment Agency.
Credit for the unemployed is always earmarked
The granting of a loan to an unemployed person is not generally based on an application. Rather, an associated purpose is to be specified. An appropriate purpose may be, for example, a necessary move to be able to start a new job as a result. Also, the payment of a health measure is a suitable reason for credit, if it is the opportunity to resume work. A loan from the Employment Agency therefore always aims to improve one’s own situation in relation to ending unemployment. It should therefore be understood that a loan for unemployed from the employment agency are always earmarked.
The terms of a loan for the unemployed
First of all: The loan for unemployed people from the Employment Agency is always interest-free. This means that therefore only the amount borrowed must be paid. This loan is an O per cent loan. However, in terms of granted credit sums compared to a conventional installment loan must be made significant. As a rule, the loan amounts move in a range of 150 to a maximum of 400 euros. However, the following should be noted: There is no general entitlement to a loan for the unemployed. These loans will not be granted to every unemployed person. The granting or granting of such a loan is always at the discretion of the responsible administrator. Experience has shown that the offices are more reluctant to grant a loan to the unemployed.