Swiss credit for self-employed without Credit Bureau

The self-employed do not have a boss – this is an advantage, but it also means that they have to work independently for orders. They only make money if they receive corresponding customer orders. Unlike employees, there is no payroll at the end of the month, regardless of whether a lot or little has been worked. Despite this hardship, many people are fulfilling a dream with their independence.

If the necessary equity capital is lacking and there are problems with orders from customers, the self-employed have a particularly difficult time. Because even if a loan is applied for, the self-employed are overshadowed by the employees. Banks are fundamentally cautious when it comes to lending to self-employed people because they are unable to demonstrate regular attachable income. Unfortunately, foreign banks also see the risk, so that, for example, the Swiss loan for self-employed people without Credit Bureau is not even offered.

We have researched accordingly, explored why what is the way it is. With our article we give you information about the Swiss loan for self-employed without Credit Bureau, which does not exist in this form, and show self-employed people what they can do if a Swiss loan for self-employed without Credit Bureau is also out of the question.

Why self-employed people get credit so hard

Why self-employed people get credit so hard

If the self-employed have often unsuccessfully applied for a loan from German banks, they have great hope in the Swiss loan for self-employed without Credit Bureau, which many credit intermediaries apply online and in the print media. If you take a closer look at the offer and question the whole thing, it turns out that the advertising is simply wrong. There is really no special Swiss loan for self-employed persons without Credit Bureau.

The Swiss loan without Credit Bureau is a loan offer that is aimed exclusively at employees. Swiss banks generally refrain from providing Credit Bureau with credit checks. However, they attach great importance to the fact that the loan applicants have a permanent position with regular and above all attachable income. For known reasons, the self-employed are not able to do this. The income of the self-employed is subject to large fluctuations. It is not regular, but always dependent on the order situation.

There is no Swiss loan for the self-employed without Credit Bureau

There is no Swiss loan for the self-employed without Credit Bureau

The Swiss banks have no access to the Credit Bureau information provided by German loan seekers. They only grant their loans to customers who can demonstrate a seizable income from a permanent position and who are no longer in the trial period.

Whole groups of people such as self-employed and freelancers, unemployed and Hartz IV recipients, pensioners and housewives as well as trainees and students are literally excluded from lending. They are not the target group and should therefore not feel addressed by advertising. This is not clear from the advertisement for Swiss credit for self-employed people without Credit Bureau, although it is actually clear.

This is also the intention, the advertising is made by credit intermediaries who are concerned with earning commission when arranging loans. They not only broker loans, but also sell insurance and building society contracts. Through the advertising, credit intermediaries attract potential customers to whom they sell everything. They won’t get a Swiss loan without Credit Bureau.

How the self-employed still get credit without Credit Bureau

How the self-employed still get credit without Credit Bureau

There are also opportunities for self-employed people to take out a loan without bending. If you have life insurance with a corresponding surrender value, you can monetize the insurance without canceling it. Life insurance can be lent. This is a kind of loan, but without a credit check, because it is your own money that a self-employed person borrows. So he’s not even in debt.

If there is a course, this variant is therefore the first choice for the self-employed. However, if there is no life insurance, there is still the possibility that the self-employed will borrow money from relatives or friends. Alternatively, they can try to get a loan on a portal where private investors lend money. However, Credit Bureau information is usually not dispensed with here. A loan application may only be made by the self-employed person who has a clean Credit Bureau.

Credit for Self-Employed Experience

Where can you get a loan for credit-independent experiences even with poor creditworthiness or negative Credit Bureau? Would you like to take out a loan to finance necessary repairs or purchases such as cars, cell phones or vacations? Fine Bank test result “It is difficult or even impossible for the self-employed and small businesses to obtain a loan from many financial institutions. Fine Bank offers companies flexible credit as a business model, whereby only independent and smaller companies belong to the target group of the financial service provider. Rejection for companies – Strong conditions for the self-employed, self-employed and entrepreneurs have no chance of a direct loan.

Adventures?

Adventures?

Feedback from the first self-employed who have an account with the company opening an account with the company opening an account: Kontist: The Lippenkontist company is a German-speaking company from Berlin and is made up exclusively of former and current self-employed.

The motto “The company account of the self-employed for the self-employed” is thus actively implemented and is characterized by an improved understanding of the target group. Kontist’s free company account is currently available for self-employed, sole proprietorships, freelancers and the self-employed. Business accounts require a place of residence or registered office in Germany. Easily accessible as a target group, right?

It is particularly striking that the company account is aimed at the self-employed if you take a closer look at the additional functions. The aim of the overall further development is to drastically reduce the administrative effort for the self-employed. It is a pure mobile account for which there is (still) no web application that can be accessed in the web browser.

The automatic tax calculation shows you how much you should save for VAT and income tax for each amount of money. Very, very helpful for many self-employed! The company Kontoist deals with the connection of various accounting solutions such as B. E-business, quick billing, service desk, etc. You can read in this film how this works:

I learned from the company Kontoist that 10 accounting solutions should be integrated by the end of 2017. As of April 2017, the MasterCard direct debit will arrive on the account. I think it is remarkable to show the way that Kontist users have a say in the further development. The control list will take these suggestions into account in the next development.

Is the free company account really free? Business access by account holders is completely free. There are no costs for account management, the transfer of SEPA, SMS-TAN, account statements, etc.

Accountist apparently plans a lot, especially when it comes to automated accounting. As an increasing number of credit institutions, the company also relies on online billing via video telephony. The account will then be checked by IDnow.

The account can be used directly. Therefore, the information only has to be entered once with a account (i.e. even faster than can be seen in the film). No. Account holders do not request information from Credit Bureau and do not report the opening of the account.

Even if the account balance application to open insolvency were made, the deposits would not be at risk.

Hopefully the introduction of the card will change that.

Hopefully the introduction of the card will change that.

The staff of the Kontisten team consist exclusively of people who have years of experience as freelancers. The work team now includes 20 people who are in the Berlin capital office. Earlier developments from Kontist: Since the company is still a very young company, it cannot yet compete with traditional credit institutions in terms of functionality.

With the absolute concentration on the self-employed, however, it becomes even more attractive for this group. The automated finance and accounting process, the high reputation as a customer and the rapid support make the customer account a very attractive company account for the self-employed. Because the account is opened in less than 10 minutes and the account does not cost anything, it makes sense to take a closer look at the account – even if you initially only use it as a second account.

The only thing you need is your cell phone and your passport…. and yes, you have to be independent. If possible, open the link directly on your mobile phone: How can you reach Contist?

Our entire editorial team is curious to see how the new German-speaking company account arrives at you, especially among the self-employed (small business owners, freelancers, etc.).

Get a loan without Credit Bureau entry

Quite a few people who would like to take out a loan fail because of an important hurdle – the Credit Bureau information. Credit Bureau is a credit agency, i.e. an organization that collects data on loans, payment obligations, telephone contracts, etc. and uses the personal as well as target-group-oriented comparison data to assess the creditworthiness of an applicant.

It can, but need not necessarily be the responsibility of the applicant if a loan is refused because of a negative Credit Bureau information. With a bit of bad luck you can belong to a very risky target group due to external circumstances. Many bankers prefer to play it safe and refuse to grant a loan. If you are dependent on the money, there is the possibility in certain cases to get a loan without Credit Bureau entry.

Is a credit really necessary without a Credit Bureau entry?

Is a credit really necessary without a Credit Bureau entry?

Many people misjudge their own creditworthiness or creditworthiness. It is therefore advisable to occasionally obtain information from the Credit Bureau. It happens that data and information are out of date. If this is the case, a call to Credit Bureau helps, the employees there then check the entries and delete or correct incorrect entries. If nothing can be done anyway, you should always first try to get a normal loan with Credit Bureau query.

It makes sense to include the house bank as a contact person, because with a trusting relationship and a known good payment behavior, the banker usually has a little more leeway than you think. Basically, you can assume that a normally processed loan is cheaper than a loan without Credit Bureau entry.

If your credit rating is not sufficient, other solutions can also be checked. A second borrower or a guarantor can also be options that should be checked before applying for a loan without Credit Bureau entry.

How do Credit Bureau-free loans work?

How do Credit Bureau-free loans work?

Loans without Credit Bureau entry are granted by foreign banks, which are usually financial institutions from Switzerland. These are not bound by the regulations applicable in Germany, so that loans can be granted without Credit Bureau’s participation. In most cases, Credit Bureau does not learn about these loans because foreign financial institutions do not pass on this information.

How do I recognize a dubious loan

How do I recognize a dubious loan

Especially in the area of ​​Credit Bureau-free loans there are many dubious providers who take advantage of the financial hardship of consumers for their own purposes. Basically, it can be assumed that anything that costs money in advance without a specific loan approval is not serious. The alleged credit brokers come up with plenty of opportunities to pull the money out of their pockets.

For example, there are some providers who only work with an expensive hotline and drag out the calls endlessly by querying countless details. Other providers only send the credit documents cash on delivery. Here, too, the consumer often only paid fees for worthless paper.

Conclusion – credit without Credit Bureau entry should be the last option

Conclusion - credit without Credit Bureau entry should be the last option

The loan without Credit Bureau entry is more expensive than a normal loan and there are also numerous dubious intermediaries among the providers. Such a loan should therefore only be taken out in exceptional cases from a reputable provider who does not require horrendous advance payments without consideration.

Credit despite overdraft facility

The overdraft facility or overdraft facility is provided by banks if the customer has a regular income. It is not uncommon for up to three net monthly salaries to be paid. The bank also provides the customer with a loan, but it is expensive to pay. The interest rate level does not allow the overdraft facility to be used for a long time and nothing to be repaid. In many cases it is advisable to use a loan despite the overdraft facility.

The overdraft facility – the debt trap

The overdraft facility - the debt trap

Especially when the customer overdraws him over and over, leaves nothing behind and considers him practically as a second income, he has sooner or later got himself into a debt trap. Because the disposition is an expensive pleasure. Banks pay dearly for their generosity. The customer can expect a double-digit interest volume. If he then exceeds the approved credit line, interest will accrue again.

There are not a few customers who have managed the overdraft facility for years to come. Banks do not comment on this, although it is their duty of care to advise customers to better convert the overdraft facility into an installment loan. You don’t want to accuse the bank of anything bad, but it doesn’t earn enough from it. Either way, as soon as the bank stops making transfers because there is no cover in the account, a loan should be considered despite the overdraft facility.

The overdraft facility is a good solution for short-term financial bottlenecks. Customers who handle it carefully will also take it back. It is intended if, for example, an urgent invoice flutters into the house at the end of the month, which has to be paid quickly but the account is empty. Then the disposition is helpful, that’s what it is intended for. If the salary is not always on time in the account, the overdraft facility can also be helpful. This prevents the customer from not being able to pay his debts.

With bad Credit Bureau also a disposition?

With bad Credit Bureau also a disposition?

The provision of the overdraft facility is handled differently from bank to bank. For example, if the customer has negative entries in his Credit Bureau, the bank will in most cases not approve an overdraft facility. Then it depends on what the characteristics are, soft or hard.
Soft features include reminders, dunning notices, account closures. The hard features include foreclosure measures, oath of disclosure and bankruptcies.

If the customer has a soft characteristic, the bank can agree to set up an overdraft facility. This is often decided on a case-by-case basis. The overdraft interest, as mentioned before, ranges from 6% to 16%. If the credit line is overdrawn, the bank charges another 5% in interest. An installment loan is much cheaper than the overdraft facility.

A credit despite overdraft can also be successful with a negative Credit Bureau and the customer should then look for the Credit Bureau-free loans. It is important to know that this type of loan usually involves a credit intermediary. The intermediary arranges the Credit Bureau-free loan. The money comes from abroad. The loan amount is limited. Mostly 3,500 dollars or 5,000 dollars are approved depending on the creditworthiness.

If the customer is single, he must have an income of at least 1,200 dollars net. The bank thus has an attachable share of around $ 80.00. These loans will not exist without a permanent job. Temporary employment contracts or trial periods are also not recognized.

The credit despite overdraft – the solution?

The credit despite overdraft - the solution?

The overdraft facility is the ultimate debt trap. This is proceeding slowly, the bank calculates interest every quarter. If the customer does not pay off, he receives an interest invoice for the overdraft facility four times a year. The end of liquidity is then in sight. As soon as the salary no longer covers the overdraft facility, it should be converted into an installment loan. The credit despite the overdraft facility is then the only way to bring the finances back into order.

If a loan is taken out despite the overdraft facility and the overdraft facility is covered with it, it would be better to delete the overdraft facility either completely or at least partially. This would be the better solution, especially for the customer who does not use it carefully. The credit has the advantage that the customer can see when he will get rid of his overdraft debt. He pays his installments every month and when the term ends, the loan is paid.

The customer can assume that his credit rating is correct, then there will be a loan despite the overdraft facility. The customer can then convert his overdraft facility into an installment loan. The overdraft facility used is actually no reason to refuse a loan. The customer should know that he does not necessarily have to take out the loan from the bank that provided the overdraft facility.

The customer can look for another bank, whereby the conditions should be observed. At the online banks, the customer receives a loan and nobody asks about the overdrawn account. It also plays no role in terms of the purpose of the loan from one of the direct banks. Nevertheless, a credit comparison should be carried out. If you are looking for a loan, you can immediately incorporate your overdraft facility into the loan.

The overdrawn checking account is not reported to Credit Bureau provided the customer remains within his credit line. But if the credit line is overdrawn, the Credit Bureau receives a message. If the credit is approved despite the overdraft facility, the overdraft facility could be deleted completely. The customer could look for a so-called credit account. Although he does not have the financial scope to do so as with overdraft facility, he also does not fall into debt trap through him.

Take out credit now

Take out a loan online – it’s easy and convenient now! If you want to take out a loan, you should be well prepared. Become a lender now and secure your return. But don’t act impulsively and overly supported now! 

nimble, reliable and adaptable

nimble, reliable and adaptable

There are many good arguments for taking out a loan. There are no additional products such. B. insurance or credit card etc. offered. There is no need to say that there are countless uses for money. Taking out a loan allows you to easily increase your current financing options – both for small and large purchases and for long-term investments.

Often there is also an amount of money for dentures, for the study or planning costs of a large wedding including honeymoon. Do you want to take out a loan but have not yet had a successful course? In case of problems with the Hungarian State Chancellery and lack of creditworthiness, we will help you. Even if the Credit Bureau result is negative, we can make you interesting offers.

We work out loan contracts on a daily basis that can be paid for all small and large problems. You will not receive any additional contracts or cards from us. All you have to do is fill out our form and give us some information about yourself, your client and your salary. Simply choose your desired total amount and your monthly rate. After a quick credit comparison, we will work out a tailor-made range of services for you in real time.

You will receive your credit within 24 hours after signing the contract and online identification. Of course, the credit check is free and straightforward. The possibilities of lending are compared and your individual life situation is discussed. You can get rescheduling loans, mini loans and many other types of loans from us.

Take out a loan now.

Take out a loan now.

Have you paid a little luxury or a big purchase here and there through installment loans, overdrafts, installment offers from mail order companies or cards and have you found it unnecessarily difficult to cope with the monthly installments? Now the desired loan will clearly offset your various individual loans with a single loan. Which house bank gives you the best chance of a cheap financing option and we will then create a personal loan offer for you.

By taking out various loans with different credit institutions (e.g. installment loan, overdraft facility, installment loan from mail order companies and a credit card), it is unnecessarily difficult for the mont. The additional loan replaces the individual individual loans with an individual loan.

Simply take out a loan

Applying for a lightning credit is basically very simple. If you have many invoices that arise from such work, you want to pay them quickly and easily. You can find a simple explanation, functionality & more here. After washing the hair, simply massage curl foam into the hair and blow-dry it with a diffuser. If you’re stuck, you just get a tip or take your last move back.

Nimble, reliable and adaptable

Nimble, reliable and adaptable

There are many good arguments for taking out a loan. There are no additional products such. B. insurance or credit card etc. offered. There is no need to say that there are countless uses for money. Taking out a loan allows you to easily increase your current financing options – both for small and large purchases and for long-term investments.

Often there is also an amount of money for dentures, for the study or planning costs of a large wedding including honeymoon. Do you want to take out a loan but have not yet had a successful course? In case of problems with the Hungarian State Chancellery and lack of creditworthiness, we will help you. Even if the Credit Bureau result is negative, we can make you interesting offers.

Loan contracts – who will work for it

Loan contracts - who will work for it

We work out loan contracts on a daily basis that can be paid for all small and large problems. You will not receive any additional contracts or cards from us. All you have to do is fill out our form and give us some information about yourself, your client and your salary. Simply select your desired total amount and your monthly rate. After a quick credit comparison, we will work out a tailor-made range of services for you in real time.

You will receive your credit within 24 hours after signing the contract and online identification. Of course, the credit check is free and straightforward. The possibilities of lending are compared and your individual life situation is discussed. You can get rescheduling loans, mini loans and many other types of loans from us.

Simple person: Do what is possible for our environment 

Simple person: Do what is possible for our environment 

The then young teacher Rosi Gollmann was not satisfied with a small package campaign: she herself went to India by boat. What she experiences there changes her whole year. Frightened by injustice, she is driven by the dream of “one world for all”. Regardless of whether it is a matter of using microcredits to combat forced labor and murder of girls or improving the situation of men and women – Rosi Gollmann is committed to ensuring that countless daughters, big and small, have prospects that are worth living in and that people can have a decent home.

In this work, Rosi Gollmann reports for the first time about her adventurous, unconventional everyday life. This raises concerns that a more livable society is possible. Rosi Gollmann shows an example of how we can achieve the unimaginable: with bravery, perseverance, unwavering trust in the good cause and – yes, and simply love.

Swiss credit without Credit Bureau for self-employed persons

The self-employed generally have a harder time than employees when they want to take out a loan. This is primarily due to the fact that they generate their income from self-employment. It is neither regular nor manageable in advance. A salary waits for dependent employees at the end of the month, regardless of whether a lot or little was worked. The situation is different for self-employed people who have often fulfilled a life’s dream with their independence.

You are responsible for yourself, you have to get appropriate orders to be financially independent. If the necessary equity capital is lacking and there is no backing in the family, it is much more difficult for self-employed people, and not only if they want to take out a loan. Banks are extremely reluctant to lend to the self-employed because the risk of default is too great. German banks like to grant their loans to consumers with a regular income from a permanent position. The situation has worsened in recent years because banks have to deposit risky loans with the corresponding equity.

For many self-employed people who do not get credit from banks in Germany, the question arises whether foreign banks see it differently. Is there a Swiss loan without Credit Bureau for the self-employed? We have dealt with this topic and have investigated this and other questions on the topic. Our article deals with Swiss credit without Credit Bureau for the self-employed.

Get self-employed abroad credit without Credit Bureau

Get self-employed abroad credit without Credit Bureau

Self-employed people who do not get a loan from banks in Germany because of their negative Credit Bureau and self-employment often put all hope of a Swiss loan without Credit Bureau for the self-employed, which they can apply for through a credit broker, according to advertising. There are actually credit intermediaries who officially advertise that there is no problem in arranging Swiss credit without the Credit Bureau for the self-employed. If the advertising is examined closely and the message is questioned, things look different. The Swiss banks do not grant loans to the self-employed without Credit Bureau.

The Credit Bureau-free loan from Switzerland, for which a lot of advertising is done on the Internet, is an offer that is explicitly aimed at employees. The banks refrain from catching up with Credit Bureau.Swiss banks attach great importance to the fact that customers can prove that they have had a permanent position with regular attachable income for at least a year. However, the self-employed cannot do this, and for that reason alone fall through the cracks. The advertising of the credit intermediaries does not come across as such.

There is definitely no Swiss loan without Credit Bureau for the self-employed

There is definitely no Swiss loan without Credit Bureau for the self-employed

The self-employed and also the freelancers, unemployed and Hartz IV recipients, pensioners or housewives as well as trainees and students are not the target group for the Credit Bureaufree credit from Switzerland. This is deliberately not apparent from the advertising of the credit intermediaries. The adverts are made by credit brokers who not only provide loans but also sell insurance and home loan contracts. In this way, they use the advertising to address potential customers to whom they will sell all sorts of things, but who do not get a Credit Bureau-free loan. There is no Swiss loan without the Credit Bureau for the self-employed. The credit risk of the self-employed is rated as high by the Swiss banks as by the banks in Germany.

How self-employed people get Credit Bureau-free credit

How self-employed people get Credit Bureau-free credit

Self-employed people have two options to get a loan despite being self-employed. For example, if there is life insurance with a correspondingly high surrender value, the insurance can be monetized by lending it. It’s like a loan, but without any credit check. There is also no debt because the self-employed practically borrow their own money.

This option is the first choice for the self-employed. If these options do not exist because there is no insurance, you may be able to take out loans from relatives or friends. Alternatively, the self-employed could also try to get credit on one of the online marketplaces where the lenders are private investors. Here, however, the Credit Bureau is then caught up, so this option is only possible if the Credit Bureau is clean.