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Can You Get A Forbrukslån Uten Inntekt & How Does This Work?

We are all by now used to the fact that you cannot get a forbrukslån without having a fixed income, and that there is nothing we can do about it. Since the world is changing, though, it is no wonder that we are second-guessing all of this. In other words, we are wondering whether this is really true in the modern world as well, especially now that people have started working as freelancers and self-employment has become a huge hit. So, is it really still true that you cannot get a forbrukslån uten inntekt?

Well, that is precisely what we are here to find out. As you will see if you continue reading, some things have changed, while others have definitely still remained the same. If you are confident that your financial situation would allow you to get a loan and repay it on time, then you should continue reading to figure out if this is something you can actually do or not. That way, you will learn whether there are any options for you out there even if you are not permanently employed. So, let us begin answering your questions.

Can You Get A Forbrukslån Uten Inntekt?

As I have mentioned above, some things have definitely changed when it comes to getting a forbrukslån in the modern world, but some have also remained the same. What has remained the same is the fact that you still need to have a fixed and taxable income in order to qualify for a loan. Does this mean that you won’t be able to get a forbrukslån uten inntekt? Well, I am afraid that it does, but all is not lost, since you could be in one of the groups that still count as having fixed income even if they aren’t permanently employed. We will get to that later, though, so let us stay on topic here.

Basically, lenders require you to have a fixed and taxable income when applying for a loan. They will reject your application if that criterion isn’t met. The truth is, however, that the actual amount of income you will need to have will differ from one lender to another. So, if you have a small monthly income, there is a chance that you could still qualify for a forbrukslån. The bottom line is that you need to check this with the lenders, because the threshold isn’t the same in every single financial institution.

Do You Need Permanent Employment?

Most people associate having fixed income with having permanent employment, and I definitely understand where that might be coming from. The truth is, though, that these two things don’t always have to go together. For example, you may be a freelancer, you could be on a pension, or you could be receiving unemployment benefits. Some of those groups can apply for and get a forbrukslån, while others are bound to be rejected, but the point is that permanent employment isn’t really a requirement.

If you’re wondering which of those groups could be approved and which ones are likely to be rejected, let me make that clear for you right away. For example, freelancers that have a certain inntekt to show for can be approved for a forbrukslån, as long as the amount they are earning is above the minimum threshold set by the lenders. The same goes for people who receive pension. People who receive unemployment benefits, though, are most likely to be rejected.

This is the factor that has changed in the process of getting a forbrukslån, as you might have guessed it. In the past, permanent employment and income always went together, while that is no longer the case. As you will see if you go to website, people nowadays have much more options when word goes of getting a loan, and they don’t need to be permanently employed in order to be approved for one. So, now that the requirements, or lack thereof, are clear to you, I suppose you want to get a clearer idea on how all of this works.

How Does All Of This Work?

Let’s say you are not permanently employed, but you still have regular income, and you want to apply for a forbrukslån. Well, the thing is, you will need to provide the lender with proof of income, so that they are completely sure that you’ll have the finances to repay the loan that they will extend you. So, regardless of whether you are self-employed, or perhaps a student with a part-time job, you will need to offer proof of income.

The most important thing to do is submit last year’s tax return, because that will prove your taxable income and lenders will be able to check if you have passed their threshold on the minimum income you should have so as to be approved for a loan. If you are, for example, self-employed, you will also need to provide the current year’s business statement of accounts to the lender. Some companies may even require you to submit those statements for the last three years.

If you have several different jobs, you should attach the pay slip for all of those. Then, if you, for example, have a certain salary but also receive social security payments, you should provide the lender with documentation for both of those income sources. That will certainly increase your chances of being approved for a forbrukslån, which is practically what you want.

So, as you can see, getting a forbrukslån without permanent employment is certainly a possibility. Even so, you will still need to have proof of income, and the income will need to reach, or be higher than, a specific amount set by the lender. The bottom line is that permanent employment is not a requirement, while a taxable income still is. Now that you are aware of the requirements, you probably understand whether you have the chances of getting a forbrukslån or not.

How Can You Get A Good Forbrukslån Without Permanent Employment?

If you are not permanently employed but you still qualify for a forbrukslån, you will want to get a good deal, and that is perfectly normal. Sure, you should be happy that you even have this opportunity nowadays, because it certainly wasn’t possible in the past, but the truth is that you deserve to get a loan as long as you have proof of income, and as long as the income is high enough, and nobody can take that right away from you. In fact, you deserve to get a great loan, which is why you shouldn’t rush into using the first opportunity you come across.

Instead, you should take as much time as you need to research various different options and have a look at various different lenders that can offer you the forbrukslån. What you are trying to do here is get a good deal, meaning that you’ll need to check the interest rates, the repayment terms, and basically any other factors and fees that will influence the actual quality of the forbrukslån you’ll get. Doing your research on all of those factors is extremely important, because you don’t want to wind up getting a poor deal when you can easily find a great one.

Apart from researching the general factors, you should also do your best to research the lenders in great details, because you don’t want to end up working with some shady companies that won’t be able to offer you the perfect forbrukslån, and that might even be looking to scam you. Take time to check the reputation of those lenders you are considering, and try to find out what their previous clients have to say about their services. Of course, don’t forget to contact several different lenders, with the aim of determining which one could be right for you.

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