Deal with self- financing
We will deal with self- financing or a category that although it is predominant compared to other workers, has a delicate relationship with banks and financial companies. So what is meant by self-employed financing ? Well, strictly speaking, self-financing should be all those forms of credit as opposed to all those workers who, conversely, have an employer. This is true, but there is more. We must also exclude from the loans to self -employed workers all those forms of precariousness in which the requirement of full professional-professional autonomy is absent. It is precisely full autonomy that distinguishes the self-employed from any other category of workers. Basically when we mention self-financing we refer to freelancers who form a huge set of autonomous professional arrivals.
Phrase financing for freelancers
However the phrase financing for freelancers is generalized as more than one financing for the freelancer is envisaged even though it is usually sought with the latter term. So what are the various types of loans granted to self-employed? Usually, they are divided into mortgages and loans for self-employed according to the motivation behind the loan, that is if it is asked for a personal purpose or for those related to the activity. In the first case, we speak of autonomous personal loans and follow the typical rules of this type of financing. While to finance capital goods one looks at both the amount of the sum and the object of the loan: for average figures loans are used to autonomous sic et simpliciter, while for large sums, in particular to finance a property, the loan to autonomous it covers the technical form of the mortgage even if this has little to do with the real estate one provided to private individuals.
Loan to self-employed online
We come now to the characteristics of the loan to self-employed online. Even before a 740 and/or the unique model of another document attesting the income situation, it is relevant that our self-employed worker is: 1) known by the banking system. However, the circulation of the name in positive crif type data centers helps but is not essential as, as for everything, there must always be a first time; 2) it is essential that you have a clean debt position: it is difficult but not impossible to provide loans to self-employed bad payers, etc. (we will discuss below the solutions for those who suffer) that are registered or reported to the credit company but in negative. Since there are the income requirements and a good debt history, the loans for self-employed are equal to any other type of financing.
It is time for us to make a suggestion: do not go to any bank (including yours). Before asking for assistance from a traditional credit channel it would be better to contact your trade association. It is known that all (or almost) the categories of self-employed have their own association or order, if you like, which certainly has an agreement with some local institute. The purpose of the board is to obtain loans for self-employed people who are less than traditional ones, especially if the financing is for professional instruments. For example, in the north east, in cities such as trieste verona padova etc., some orders of freelancers are organized in confidi and the results are excellent: from 30% to 50% less interest.
As mentioned, we end the discussion with loans to self-employed individuals with no single model protested and reporting credit companys as bad payers etc. Unfortunately, these will not only not have those benefits deriving from the agreements, but they will find enormous difficulties in obtaining credit because unlike employees, they cannot assign any remuneration. Grateful for this, the financial system has provided an alternative for self-employed people with an insolvent past: the loan is exchanged or through loans with bills. In such cases, however, some institutions, if you are without a single model, pledge an insurance policy that has been paid regularly for at least two or three years.