For all self-employed persons, holders of VAT registration, it is possible to obtain loans or loans with bills of exchange for subjects who carry on business activities (including professional ones) assuming the so-called business risk.
To finance its business activity , each self-employed entity can apply for a loan that has been changed with the return of the loan through the payment of bills. The bill of exchange can be used for loans to be repaid or in conjunction with other income in order to meet the necessary guarantees for the provision of loans for self-employed persons.
- Loans with bills for self-paying bad payers
- Loan solutions for self-employed protested workers
- Loans for autonomous subjects with guarantees
- And when the bills are without guarantee?
- Solutions with bills in 24 hours: is it really possible?
- Can they be requested on the internet?
- LoansA: contractual and economic conditions for self-employed persons
Loans with bills for self-paying bad payers
Loans with bills to Bad Autonomous Payers are non-finalized loans granted to individuals who carry out an independent business and professional activity , holders of VAT, who are not required to state the reasons for which they require the loan. Self-employed workers reported by databases such as Crif can apply for a loan with online drafts by filling in the request for an online quote or by going directly to a credit broker or bank branch.
For bad payers and self-employed workers, it is possible to apply for small loans thanks to the issuing of bills of exchange: this is a form of financing that is essentially based on the issue of debt securities, such as bills to guarantee the extinction of loan and payment of loan installments. Although the majority of banks and financial companies have abandoned this type of loan, the commercial and operational practices there are several small financial agencies, as well as offering cambializzati loans to any person employed under an employment contract, are able to finance self-employed persons reported as bad payers , offering them personalized financing solutions even in the presence of financial problems.
The sum payable is strictly related to the degree of reliability of the independent applicant for the extinction of the loan by payment of the exchange guarantee. The installments of the loan denominated for a bad self-payer are of a constant amount since the rate of interest applied is fixed, which is much more expensive than those applied in traditional loans.
The estimates concerning loans changed to bad payers are free and only after accepting the economic and contractual terms of the loan, the self-employed person will proceed with the signing of the loan agreement with the simultaneous signing of the bills. In this case, as a self-employed person without a paycheck, many credit institutions will require the signing of many bills as there are installments to repay the debt contracted. The bill is to assume a double “role”: a payment instrument and a form of guarantee to protect the creditor from any default.
Loan solutions for self-employed protested workers
For those who have suffered a previous protest for the non-payment of installments of loans or checks and appears to be registered at the risk centers such as CRIF, a loan may be granted that of loans changed for protestants .
As with traditional loans to protestants, loans that have been postponed to self-employed financial distress or protest are ideal for obtaining a loan of minimum financial capital while possessing and presenting some additional guarantees for the ultimate purpose of extinguishing the debt in a manner on time. To obtain a personalized quote, even if you are self-employed without a paycheck, it is still necessary to provide personal documentation in person, an income declaration and alternative guarantees such as the ownership of a real estate.
Loans for autonomous subjects with guarantees
Since this is a special loan addressed to those who are reported as bad payers or who have been subjected to a financial protest or incident, the loan granted by signing bills of exchange is granted more easily by credit institutions to self-employed persons with the presentation of a guarantor or a guarantee real or mortgage .
Since it is very difficult for self-employed workers to obtain a loan with the assignment of a fifth of salary or pension, they can validly opt for loans with a guarantor . The guarantor or third party is a third party, unrelated to the relationship between the first obligor and the creditor body, which will commit its income guarantees to the debtor and will honor the debt in the event that the applicant should prove insolvent. In order to receive a loan with bills of exchange, the self-employed person must present a guarantor who is not in turn protested and registered in the Crif register.
As an alternative to the figure of the employee, the self-employed person who has to underwrite a loan with bills of exchange and guarantees, should own a property or a registered movable asset: in these cases the exchange debt could be guaranteed with the ignition of a mortgage guarantee or real guarantee such as a pledge. As stipulated in the civil law , pledge is a guarantee right on movable property, on credits or on rights having as object movable property (article 2784 of the Civil Code) which is constituted by the signing of a pledge contract. The pledge contract that “latches” and perfects that the loan with bills, is a real contract that requires the ” traditio ” or the physical and physical delivery of the thing or of the document that confers the availability (it binds in this regard the first paragraph of Article 2786 of the Civil Code).
And when the bills are without guarantee?
For self-employed workers who want to finance their business, the lighting of a loan with bills of exchange, without presenting any further guarantees, is a product that is increasingly required in the current macroeconomic context. In fact, given the instability of the scenario and the precariousness of employment conditions, loans without paychecks and without guarantors are products that are increasingly dynamic and subject to the evolution of the context. These loans allow you to access the credit market quickly, safely and reliably : you can request them from financial branches, banks and small financial intermediaries specialized in this type of credit offer.
In the category of loans without guarantees, it is possible to change the loans that allow the repayment of the debt contracted with the payment of bills, taking into account a certain expiry date established and signed between the parties. With this operation, the bill is to represent the title of credit granted as collateral in order to protect the extinction and timely fulfillment of the loan. In some cases, the loan transferred to persons without paychecks is paid by issuing a single bill to guarantee and discharge the obligation, coming to protect the creditor.
In fact, if properly completed and stamped, the bill is a credit instrument that protects the right of the creditor, in the case in which a non-fulfillment of the obligation occurs. Being a credit instrument or, better still, a form of written payment, the bill allows the beneficiary to collect a debt (in case of non-payment) by direct action , without submitting an injunction and waiting for the bureaucratic “delays” judicial. Therefore, the creditor is entitled to the tax collector to collect:
- the unpaid sum resulting from the exchange effect;
- late payment and legal interest at the Euribor rate from the date of submission;
- expenses for the protest and all secondary charges and fees.
Solutions with bills in 24 hours: is it really possible?
To obtain immediate liquidity to meet all the urgent expenses, a self-employed person can request, even online, fast loans . In a very short time, we talk less than 48 hours and, in some cases, even only 24 hours, it is possible to receive a personalized loan according to the financial needs and requirements.
The timing of disbursement of fast currency loans depends very much on the amount requested by the self-employed person and the time period of the assessment of the preliminary investigation with which the bank or the finance company processes the practices. However, since these loans are postponed, the pre-valuation phase does not require such lengthy schedules and it is estimated that in less than 48 hours from the date of acceptance of the loan, the check or the transfer can be received with the required financial capital. By relying on online loans , the practices are usually much faster (speed is one of the typical features of funding required on the Internet).
Can they be requested on the internet?
Speed is an absolutely peculiar feature of online loans and credit consumers are more and more inclined to submit their own documentation by filling in the form of the financial available on the online market. Even for the self-employed who are preparing to apply for a loan with bills of exchange, they can benefit from this very valid alternative by attaching to the loan application request also the documentation concerning their personal and income situation, with the creditor company being able to request an additional form of guarantee or the stipulation of a surety policy.
By inserting a few simple personal data in the online questionnaire, the request is sent directly to the financial companies which, in turn, provide the opportunity to contact the potential customer for the assessment of the financing and the communication of the outcome of the application. If so, the liquidation of the loan with online drafts takes place within 24 hours from the signing of the loan agreement in a single solution by bank draft or bank draft. In some cases, at the discretion of the self-employed worker, an advance can be requested within three or four days, an advance that is always disbursed by a cashier’s check sent to the domicile by registered letter and the next short-term balance.
LoansA: contractual and economic conditions for self-employed persons
As regards the contractual and economic conditions , loans with bills of exchange for the self-employed can be provided from a minimum of 1,500 euros to a maximum of 30,000 euros and, under certain conditions and guarantees, up to 50,000 euros. The duration of the amortization plan can be up to 120 months, but normally it never exceeds 60 months and the bonds issued and subscribed by the debtor are all of the same amount, given that the applied interest rate is fixed.
On PrestitiA.it you can find various commercial offers designed specifically to finance the VAT number holders who need a loan with a bill of exchange. An example of financing for a total amount of € 3,000 repayable in 72 months of € 48.43: fixed APR: 7.22% (excluding optional insurance), fixed TAN: 5.08%, service charge: € 159, cost total loan: € 645.96. Total amount due for the € 3486.96 loan, the number of available installments ranges from a minimum of 24 months to a maximum of 72. The maximum applicable APR is 16.37% -TAN 10.3% – on a loan of 40,000 euros only for customers with one a greater financing risk.
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