This post represents a discussion on financing to unemployed in 2019 and in general. We will highlight the conditions in the cases of loans and loans to unemployed by focusing on the difference between the unemployed where this has importance on the financial treatment reserved for them in the sector of assistance and public financing especially in a moment like the current one where the unemployment, especially youth unemployment, aims to increase. So who is the unemployed? Who are loans for unemployed for 2019 ? Please do not exchange the aforementioned questions on a par with trivial questions, let alone as provocative as, we reply, there is a difference between the various jobless ones that discriminates loans and loans granted to them: the unemployed and the unemployed .
Loans to unemployed with guarantor
The diversification between the two types of unemployed is established by a law that regulates labor law, which makes the following difference: for the unemployed we mean those people who have never worked and therefore are looking for a first job. These are mainly young people as soon as they finish the school cycle. By unemployed, on the other hand, it is to be understood who, in any capacity, has carried out a demonstrably documented job in the past but who has lost his job, for example due to a layoff. These cases also concern subjects with a certain professional maturity, many of whom have already had credit experience.
In essence, the difference is not only in the prefixes “in” and “dis”, but is of a substantial order: as it is natural to guess, the unemployed will have greater difficulty accessing credit as people almost unknown to the financial system. On the other hand, the unemployed with a certain age will have more problems to be reintegrated into the world of work, especially those over 50. Another distinction, very relevant, especially if the request for credit is directed to banks and financial institutions, is that between loans to unemployed with guarantor and loans for unemployed without guarantees nor in- depth guarantor on loans to unemployed without guarantees and without guarantor which indicates a series of opportunities that have the subjects who have lost their job or who have never worked because of their young age.
Who finances personal loans to the unemployed
Given the difference, we see what chances they have, under what conditions and above all who finances personal loans to the unemployed or other forms of financing reserved by the current public and private financial system. Starting on the public institutions side, funding for the unemployed is a kind of policy aimed at combating unemployment in general. On this front, the loan for the unemployed par excellence is that of honor of the l. 185/2000, to access which, among the conditions, there is that of being, in fact, unemployed for at least a semester (see loan of honor). Similar initiatives for the loan to unemployed are reported by other provisions aimed at the creation of small and medium-sized enterprises that have the function of pursuing full employment through credit disbursements for unemployed in the sector of female and youth entrepreneurship financing, including non-repayable funds ( see non-repayable loans).
So far the state interventions, while if we analyze the financing for the unemployed of our spas (financial and banks) we can arrive at the following conclusion: the objective difficulty of personal loans to unemployed in the absence of regular income certification. In honor of the news, however, we report a fact: there is a rumor, which we cannot verify due to the lack of direct testimony, that some banks take into consideration the periodic and constant payments from some of their clients who work illegally. We reiterate that we are unable to establish the veracity or otherwise of these types of loans as they have no direct feedback. However, following the general lines, we believe that these are only urban legends. In case of doubt, however, it is good to inquire with your bank. We conclude the discussion on financing or unemployed loan with proposing, in our opinion, the best solution: to take advantage of the financing of the European and / or state union and to start up on one’s own.