Loan for Self-employed Under 2 Years

ideal for the self-employed

euro

  • Start your loan request now (there is no contract yet).
  • After checking your request, the money is already in your account after 4 days.
  • You just have to accept our offer. If not, then not. No hook, no cost.

A loan for self-employed under 2 years is not so easy to get. Even if the self-employed activity shows a demonstrably high income and thus actually speaks for the creditworthiness of the applicant, only the period of activity affects as a negative aspect on the credit rating. Furthermore, self-employed workers have no fixed employment contract and no assurance that the financial background will not change abruptly, causing problems in repayment of the loan for the self-employed under 2 years of age.

The offers for credit for self-employed under 2 years in comparison

The offers for credit for self-employed under 2 years in comparison

Where the house bank refuses and refers to a negative credit rating, there is equal opportunity on the free financial market. Here, any applicant can find a cheap and advantageous, as well as flexible credit and will recognize no problem, even if he has not been self-employed for 2 years. Hedging has special features in the open financial market, so that all applicants can obtain a loan for the self-employed under the age of 2 to build their business, make important purchases or pay urgent bills.

Since the transparency of the numerous loans is difficult to see, one should use the comparison and consider the offers in a juxtaposition. On the basis of one’s own criteria, a corresponding loan can be found that meets all expectations and is low-interest but also flexible in terms of the general conditions. At runtime, there may be changes in the budget and make it necessary to align the loan to its existing capabilities.

In order to choose a deferral or extension of the term as a sensible decision, the borrower should incur no additional costs and unnecessarily increase the costs of the decision. Flexible loans are not only on the agenda of the applicant, but also in the free online comparison up.

How to secure the loan for the self-employed under 2 years

How to secure the loan for the self-employed under 2 years

You can choose to override assets, deposit insurance with capital, or name a guarantor or co-applicant. It is important to ensure that the amount of security provided is in line with the loan amount. The security will be recorded directly in an online form provided by the sponsor and transmitted to the creditor together with the applicant’s personal details.

Within 24 hours, the applicant can expect the permit and receive a timely transfer of the loan amount. The main focus of the lender is on the collateral, which reduces its risks and supports the quick grant. Even in difficult situations, there is the opportunity to choose a truly favorable and flexible offer and to use the credit to support its entrepreneurial liquidity.

What Will Be Changing for you in the Mortgage Loan Area in 2018?

We hope that 2017 was a good year for you. Both in the health field and in the financial field! Maybe you plan to change houses in 2018. Or to buy a home for the first time. In the mortgage loan field, things will change for you from 2018 onwards. In this blog we inform you about the 5 biggest changes. Read it carefully, so that you can make the best choices again in 2018 and the new year starts!

Maximum mortgage loan from 101% to 100%

If you want to change houses in 2018 and apply for a new mortgage loan, or buy a house for the first time, you have to bring in your own money. The maximum mortgage loan is from 2018 only 100% of the value of the home. You can therefore only borrow that amount that the property is worth. All additional costs are for your account. For example, you must pay the KK (Buyer’s Cost) from your own pocket. You also have to pay the costs for refurbishing the home yourself. You can not let that finance you.

Borrow more money with National mortgage loan Guarantee

Borrow more money with National mortgage loan Guarantee

Close a mortgage loan with NHG (National mortgage loan Guarantee). You benefit with just such benefits. A small disadvantage is that you have to pay a one-off 1.0 percent of the mortgage loan amount of an NHG mortgage loan at the time of closing. In addition, you may borrow up to a maximum amount of € 265,000 in 2018. With an NHG mortgage loan, you are 100% sure that the mortgage loan amount matches your income. And if you are left with a residual debt in the future, that amount will be waived. In addition, banks usually give a discount on mortgage loan interest when they have a mortgage loan with NHG.

Change mortgage loan interest deduction 2018

Change mortgage loan interest deduction 2018

Another change in the mortgage loan area is the reduction of the mortgage loan interest deduction . at the moment the mortgage loan interest relief is still 50%. This is reduced to 49.5% in 2018. But you will probably not notice much of this. Only the higher incomes (more than € 68,507 p / y) will notice it. The people in that higher tax bracket are compensated. You can read more about this below.

Less notional rental value

Less notional rental value

For some people, the housing costs will rise from 2018. For example, the mortgage loan interest deduction will be reduced. The Dutch cabinet has decided to lower the notional rental value to 0.60%. The reduction of this tax on the ownership of an owner-occupied home was created primarily to compensate the higher incomes.

Maximum mortgage loan up for two-income households

Maximum mortgage loan up for two-income households

You have read that the changes in the mortgage loan area in 2018 will not be equally favorable for everyone. Yet there is something positive to report to two-income households. They can borrow extra money for a house from 2018 onwards. The second income (that is the lowest income) is taken into account for 70% of the mortgage loan application.