Loans and loans for freelancers bad payers or protests 2020
Loan for freelancers : who is it for?
The question seems trivial but it is not so. Often freelancers are confused with the self-employed because between the two there are some common things such as being a VAT holder, being independent, that is, without a bond of subordination to third parties, they have billing and tax obligations in general. But what distinguishes the freelancer from the self-employed is that in the former the intellectual component of work prevails, while in the latter the manual component. Freelancers, by way of example but not limited to, are financial advisors, tax advisors or accountants and accountants, doctors, architects and lawyers, all of them, provided that they have their own private practice. Freelance journalists or artists such as painters, sculptors etc. are also to be considered freelancers. Once the category has been identified, let’s move on to financing for freelancers by 2020 or the type of documents you need, the requirements and what forms of credit you can access if it has been reported.
Loans to freelancers : what are they and how to indicate them?
We indicate above all the “normal” loans and, sorry for the mention of “normal” as written only to differentiate those loans intended instead for those who have had payment problems and of which we will tell later … So, requirements and documents to prepare: these are the usual documents and the usual requirements or personal identity documents, the single model (or 740) or rather the single models, which, based on the bank or financial institution to which you apply, may be related to the last 2 or 3 years of activities, including receipts for payment of taxes and duties as well as any guarantees (guarantees we will say later). NB: Why are certificates of tax payment requested? The answer lies in the fact that the tax debts are privileged credits therefore, if they are not paid, the taxman will take precedence (the legal privilege) in aggrading the debtor’s assets with respect to the personal loans which are unsecured. Once this is specified, let’s see how we can get the best loan for freelancers or subsidized ones.
Subsidized loans for freelancers : What are they in 2020?
We certainly cannot tell you which banks and / or financial institutions offer discounts to freelancers as they are offers that vary over time. However, one thing is certain: the most useful move to make is to apply to the membership order which is likely to have entered into agreements with primary institutions in order to offer benefits in favor of its members also in 2020. It is understood that the concessions usually concern a reduction in the cost of money compared to the average (lower rate). While if you are looking for non -repayable loans for freelancers , let’s say now that non-repayments are aimed at those who want to start a new business or for those who are already started but only to buy capital goods: in other cases, the concessions ” will always “fall on the lowest interest rate. For now, let’s close with loans for young professionals where we mean those who have recently started their freelance profession. Well, the problem of these, usually, is that of having a low volume of business, which affects, how much, on the quantity of the loan disbursed. A first solution may be that of 15-year personal loans and banks that make them. It is understood that the above solution can be requested by any freelancer, therefore, not necessarily young.
Loans to bad paying freelancers : is it possible and how to get them?
Let’s say immediately that in the concept of a freelance bad payer we must also include those of protested and distrained as the alternative systems (guarantees) to give credit to the aforementioned negative reports are the same. The first of these guarantees, requested, sometimes, even without being reported, is that of the classic third party guarantor . Then, there are a series of guarantees that bad pay freelancers can exploit when needed: a series of assets that can be mortgaged or that can be pledged. We have indicated them very generically, but it is possible to deepen them on loans for reported crypts. We end with what is par excellence the financing granted to all bad payers: the loans changed for freelancers . For this purpose, we suggest that you go to loans with bills of exchange and who makes them in 2020 where you will find precise indications on who makes loans through bills of exchange given as collateral. Related: Loans and Loans for Protestants