A loan for the self-employed is a very helpful, but for the target group in many cases unfortunately also associated with major hurdles financial injection. Thus, there are many conditions and requirements that must be met in order to be granted a loan for the self-employed, the conditions of which are as acceptable as possible. Here on STERN.Here we show you how it can still work, go into the specifics of such financing and of course you have the opportunity to use the free loan comparison and find a suitable offer with a click of the mouse.<\/p>\n
Perhaps you have also asked yourself the question: Is a loan for self-employed without proof of income feasible? In fact, it might be rather difficult to get serious financing for your plans in this way. But of course, self-employed people generally have the option of obtaining a loan from various banks and credit institutions, as well as from independent individuals. The following types of self-employed loans exist – in parentheses are the potential providers of each genre:<\/p>\n
In addition, there are a variety of other individual loans that are available to the self-employed and are structured differently depending on the provider. All major banks in Germany have corresponding offers in their portfolio. There are also so-called investment loans for the self-employed, which are offered by automobile banks, for example, in order to invest in a business vehicle as a self-employed person. So a loan for the self-employed without collateral or proof of income is unlikely to be obtained. However, your chances are not bad if you have a solid concept. So use the opportunity here on STERN.de to search for eligible conditions. Especially a business start-up without a loan will be difficult to manage under normal circumstances.<\/p>\n
There are numerous special features that distinguish a loan for the self-employed. These include u. a. the points mentioned below:<\/p>\n
For example, the restaurant industry is considered a critical industry, but car dealerships and certain activities in the insurance sector are also considered critical.<\/p>\n
In addition to the three previous annual financial statements, a comprehensive business concept and an underlying idea for success are important for the potential lender. The sooner the business concept convinces the lender, the higher the chances of getting a loan for self-employed people, even if, for example, the collateral is not sufficiently recognized. Alternatively, if you can't find a bank that will give you a loan, you can try a personal loan for the self-employed. You may succeed in convincing a potential lender of your concept?<\/p>\n
Even if, from the borrower's point of view, promising collateral is shown to the potential lender, it may be rejected under certain circumstances. You should therefore find out in advance what collateral is actually recognized for such a loan. Thus, banks and other lenders usually only accept the following collateral for a loan for self-employed persons:<\/p>\n
Without a guarantee, it is especially difficult for young self-employed and freelancers to obtain an appropriate loan. Self-employed and credit are nevertheless not two things that must be fundamentally mutually exclusive. The right strategy is decisive in the end and leads in most cases to success.<\/p>\n
Most lenders offering a loan for freelancers and sole traders have put together packages of offers with typical benefits. These include:<\/p>\n
Especially with regard to the loan amount and the terms, however, the offers of the lenders often vary greatly. Therefore, a credit comparison helps to find the most flexible credit models possible. Early repayment of the loan for self-employed is usually accepted by lenders mainly because it minimizes the future risk of default, for example, in bad business times. A loan for the self-employed can therefore also be characterized by positive features.<\/p>\n
As a visitor of this page on STERN.DE you will find a loan calculator at the top. In this form you only have to enter the following data:<\/p>\n
As a loan amount, you can enter virtually any existing number in the appropriate field, although here it should be noted that most lenders in a loan for self-employed people a limit of 100.have a balance of 000 euros. As a term can be up to 120 months or. 10 years are specified, even if this is usually kept shorter, with the exception of building loans, to which the loan for self-employed people, however, does not belong. The purpose is very helpful for the self-employed in that you can directly determine whether a loan is for a debt restructuring, renovation or renovation. Furnishing or a new or. Used vehicle is to be used. After all fields are filled in, you can start the search by clicking on the "Calculate credit" field. The loan calculator will now determine suitable offers for you and present them to you in a clear listing.<\/p>\n
| 1. Step: Find a loan<\/td>\n | First, you should as a potential borrower a loan comparison directly here on STERN.de make in order to find the most suitable loan for you.<\/td>\n<\/tr>\n | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2. Step: Collect documents<\/td>\n | After you have found the right bank using the above loan calculator, it is important to have all the important documents ready to enter any required data in the loan application form.<\/td>\n<\/tr>\n | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 3. Step: Fill out the application form<\/td>\n | Now it is a matter of truthfully filling out the application form for a loan for the self-employed – with all the relevant and important financial data of your own commercial enterprise.<\/td>\n<\/tr>\n | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4, Step: Send the application form<\/td>\n | With usually only one more click, the application form is now forwarded to the respective lender or a separate credit broker.<\/td>\n<\/tr>\n | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 5. Step: Post IDENT procedure<\/td>\n | In most cases, the next step is to go to the post office to prove your own identity. Afterwards the response time of the respective bank amounts to maximally 7 days.<\/td>\n<\/tr>\n<\/table>\n There are usually no further steps. Provided the loan for self-employed is approved, you as the borrower will receive the relevant contract to sign. Then, within a few days, the loan amount is transferred to the borrower's business account specified in the loan agreement. If the loan application is not approved, you as the applicant will receive a rejection by mail or e-mail usually without further details of the reasons. <\/p>\n Do not be deterred in such a case, but rather try it again at another bank instead.<\/p>\n So many businesses need a guarantee for your loan:<\/p>\n
|