Theoretically, self-employed * can apply for loans without any restrictions. In practice, banks will offer them less favorable terms than those who are employed and can provide a certificate in form 2-NDFL. When considering an application, the state of the credit history and the ability to confirm your income play an important role. From this it is worth making a start when contacting banks. Further in the article we will consider the procedure in which the self-employed will be more likely to get a large loan.
Who can give a loan without reference
According to the calculations of the Ministry of Labor, the volume of the self-employed population in the country reaches 12 million. We estimated that for 8.7 million citizens, independent earnings are the only source of income. Of course, credit organizations cannot ignore this segment of the population.
For a start, it is important to figure out what kind of loan you need. Not all banks are ready to discuss a deal with a client who cannot provide familiar documents about the amount of income. The easiest way to get a credit card . For its registration you need to comply with loyal requirements, sometimes one passport is enough. The limit for the issuance of plastic will be small, but over time it can be increased, observing the timing of payments and other obligations under the contract.
If you need money to purchase a car, then some banks may issue it without additional references. For example, in ABC Bank you will only be asked for a passport and driver’s license. But unofficial income is also checked. For Moscow and the region it should be from 30,000 rubles, for regions – from 20,000 rubles. The Bank of St. Petersburg has a long list of documents, but it concerns the procedure for the sale and insurance of the purchased vehicle. At the end of the list indicates that the lender has the right to check the level of income of the borrower. Not necessarily asked, but they can. Full list can be read here. In Uralsib, depending on the amount for the purchase of a car, the registration of a transaction is also available with a passport and driving license. Find out current data on bank offers at the time of appeal.
For the case when cash is needed for other needs , Isip Bank can help. They give up to 2 million rubles. without proof of income. You can take funds as bail, and without it. We have collected a complete list of offers from other organizations on a separate page.
As you can see, you can make a deal. But you need to be prepared for not the most favorable loan conditions. You may be offered an overestimated interest rate or asked to make a down payment. Banks do not want to take risks, so they resort to such methods. The borrower can only take action to minimize their distrust.
How to increase the chances of getting money
The tips are quite simple:
- Go to the bank where you already receive services. The manager will be able to check the movement of money in your accounts or estimate the amount of the placed deposit. If the recommendations are good, and the creditor is sure of your solvency, then he will approve the application without confirming income.
- Confirm the fact of possession of valuable property. This item is also checked. A big plus, if the property has an apartment, car and / or land.
- Attach to the questionnaire account statements. Period for evaluation – from 3 to 6 months. The list of regular income will help to form a rough idea of the size of your income.
- Attract a guarantor or co-borrower. If someone agrees to share with you the responsibility for the return of the debt, then the chances of getting approval will increase.
If nothing helps, and the lenders refuse anyway, then you can resort to the last way: ask someone with official income to take money in your name. In this case, you must act as a guarantor. The main thing is to think well about whether you can repay debt and interest in a timely manner and whether it will spoil the relationship with the person.