Well, it could be a tough thing to get a loan without having an employment. Even when you have a secure employment, you are forced to go through tedious procedures and subsequent verification process to be successful getting a loan. Generally, banks will not grant a loan to an unemployed person.
However, there are a few institutes that provide loans for the unemployed.
1. If you can pledge an asset, you can obtain an unsecured loan. These carry a very high rate of interest and different repayment schedules.
2. Secured loans for unemployed can be obtained with a collateral security. You need to mortgage your asset. The amount of loan depends on the value of the asset.
One of the government loan that can be availed is Prime Minister's Rozgar Yojana. This has been specially designed for the unemployed youth. It is aimed at helping them start their own venture. A loan of upto Rs. 2 lakhs for the business and a loan of upto Rs. 5 lakhs for industry sector can be availed.
As for your plan of getting loan for buying a computer could not be an easy task without having a valid co signer.
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