Self-employed loan
The self-employed and freelancers have so far found it very difficult to get an online loan. In most cases, the most important criterion was only professional status. The motive for this is easy to explain, as employees only need to show a regular income, with which the desired loan is covered by the salary. This is done quickly with the submission of the payslip. If there is no negative Schufa entry, the processing of the remaining written formalities is usually uncomplicated and quick. For self-employed or freelancers, it is different than described above. Proof of a regular income is usually complicated or difficult to achieve. That is too great a risk factor for the banks. Assessing the applicant’s creditworthiness is more difficult and time-consuming. In addition, loan applications are standardized and more difficult to adapt to the current situation of a self-employed person.
But that seems to be changing right now. Banks such as CreditPlus Bank and Netbank also offer the self-employed an opportunity under slogans such as: ” Loan now for the self-employed” or a personal loan for the self-employed. This starts a rethink and the self-employed and freelancers who work harder, slowly get the status they are entitled to.
Personal loan – business loan
As a rule, there is a difference between a personal loan and the business loan, even with a loan for self-employed and freelancers. Business investments can be made with a business loan. The personal loan helps with the private purchases of the self-employed or freelancer, in most cases, the use is not restricted.
Cost of a loan to self-employed and freelancers
With a loan for the self-employed, there is no difference in the composition of costs compared to another loan. The effective interest rate is made up of the nominal interest and the processing fees. From this, the total cost of a loan is calculated. The effective interest rate is usually set for the entire term of the loan, including the monthly installments.
In order to achieve individual security, it is possible to take out residual debt insurance, which takes over in the event of unemployment, illness, or death. If such insurance is interesting, you should inform yourself carefully beforehand and check whether the price/performance ratio is right and the key points for individual coverage are included.
After all, a loan is currently being made available by various banks for the self-employed and freelancers. Nevertheless, it is advisable to carefully examine the various offers and compare them with one another.
Free texting – when there are more text messages
Since I have been forced to send several short messages in the last few days for various reasons and this quickly on my wallet with the sometimes far too expensive shipping prices, here are a few tips for sending free SMS from the Internet:
A good provider for free SMS is kumita.de – 5 SMS are available per user – The service can be reached without registration. If you need more, you can pick up your free SMS on the relatively well-known website sms-lotse.de without registering. Incidentally, both addresses belong to the same operators but seem to enjoy a relatively high reputation in the blogosphere.
So much for contact points for free SMS on the WWW – here are three tips to avoid (SMS) subscription traps: 1. NEVER leave your account details on supposedly free websites 2. Read the small print 3. Stay vigilant.
