Instant loan without credit bureau for the self-employed


Getting an instant loan without Credit Bureau for the self-employed is not easy. A self-employed person has problems getting a loan even with a positive Credit Bureau. If Credit Bureau shows negative characteristics, it will be difficult to implement a loan application. The instant loan without Credit Bureau for the self-employed is advertised on the Internet by the full-fledged advertising promises of the credit agencies.

The financial brokers are not entirely wrong with their statements about the Credit Bureau-free loans. Every day, a number of customers receive a credit-free loan with the use of a credit intermediary. But it is precisely the self-employed who are disadvantaged from this form of credit. The Credit Bureau-free loans are divided into three groups. Officials can easily get a loan or even civil servants. Up to a loan amount of $ 7,500, a loan without guarantor or credit protection is realistic.

The second group consists of customers who work in the private sector and have a good income of up to 3,500 USD. The last group is self-employed with a negative Credit Bureau.Without a solvent guarantor or co-applicant and without high-quality property security, there is a bad credit. Self-employed persons such as lawyers and doctors are exceptions.

Instant credit without Credit Bureau for the self-employed

Instant credit without Credit Bureau for the self-employed

If you do not want to pledge your belongings and do not want to involve any uninvolved people in the financial crunch, you can have a credit opportunity with private donors. The private investors are small investors who want to invest their money with high returns. Instead of taking in the measly savings interest, these investors are betting on an investment that is safe and profitable. Due to the capital split, ie several investors bid on a loan, their use is safe. The credit opportunities can be viewed realistically if a meaningful profile and if the credit request is plausibly presented.

Anyone who would prefer to process their credit needs through a conventional bank must provide collateral. A self-employed person does not have a regular income, which banks regard as credit protection. In the meantime, there are so-called loans especially for self-employed persons with poor Credit Bureau. With these conditions, there is the prospect of a loan.

The outlook

The outlook

An instant loan without Credit Bureau for the self-employed can also be secured with balance sheets, BWA, income tax assessments and profit and loss accounts. In addition, life insurance, savings or real estate can be offered to banks as credit protection.

A loan through a credit intermediary can only be obtained if the loan can be secured. For this reason, credit intermediaries are pushing a guarantor or co-applicant into the loan agreement. If there is a lender who sees the customer’s solvency, high risk premiums are usually estimated.

In addition, there are only a few Swiss and Liechtenstein banks that accept an instant loan without Credit Bureau for the self-employed when applying directly. Self-employment must have existed for at least two years and there must also be a high minimum operating profit. Loan brokerage is also possible for the self-employed. However, the prerequisite should be serious credit processing. The financial service provider may not require any upfront costs or insurance contracts.

An appropriate performance fee based on the applicable legal situation can be calculated. If the Swiss loan is approved after rigorous examination, the money will be transferred to a customer’s private checking account. The Swiss loan does not grant loans in foreign currencies, the loan is transferred in USD. An instant loan cannot be made with a Swiss loan because the credit check will take a few days. One possibility for an instant loan would be with the house bank. If the self-employed has been a customer for many years and the bank knows the economic situation, a loan could be approved. For this, the self-employed person must seek contact with his bank.

alternatives

alternatives

As an alternative to the aforementioned approval options, it would be possible to borrow an existing private supplementary pension insurance or a capital-building life insurance policy. In this case, since the self-employed lends his own surrender value, he does not need a Credit Bureau query for the loan. Loaning of the Rürup pension is out of the question. A loan immediately leads to the loss of the grants and tax reductions acquired.

Anyone who has decided to take advantage of the Swiss loan as an instant loan without Credit Bureau for the self-employed has increased chances if they look for a co-applicant for their loan application. There can be a familiar person like the spouse or a good friend. Some conditions are placed on the co-applicant. His income must come from a permanent position and be above the garnishment-free limit. The employment contract must be open-ended. The foreign bank thus has credit protection, the income of the co-applicant. If there is a familiar relationship, the co-applicant could take the loan agreement in his name. The advantage is more favorable conditions.