A 28000 euro loan for the self-employed is a common loan amount that is requested again and again. Many banks have now adapted to the wishes of the self-employed and present themselves cooperatively.
Despite all this, it is not a matter of course that a loan for self-employed 28000 euros is granted. Interested parties should therefore be able to demonstrate a good credit rating.
The credit rating – tipping the scales
Every loan requires a good credit rating from the borrower. That is also with a 28000 euro loan for self-employed no different. Because only a good credit rating ensures that the loan for self-employed 28000 euros can also be repaid.
For self-employed and freelancers, however, it is not enough if they have a positive Schufa. You must be able to prove your income and expenses exactly. Based on this information, it is calculated how high the risk of default around the 28000 euro loan for self-employed is and whether it can be granted.
The income and expenses must be proven with the help of income tax certificates and balance sheets. Who does not know itself in this connection particularly well, should ask its tax advisor for assistance.
This can compile the appropriate documents, so that the admission of the loan for self-employed 28000 euros can be carried out smoothly.
Compare offers carefully
Our comparison calculator from Smava (link: www.smava.de).de shows quite clearly that there are many different offers to a 28000 euro loan for self-employed people. The selection of the suitable offer should be made therefore very carefully.
Thus the bank of Scotland offers a credit for self-employed 28000 euro already with an effective interest of 1.95 per cent. A term of 84 months (7 years) would result in a monthly rate of 356.66 euros. The borrower benefits from a well thought-out credit offer, which does not include any processing fees. Furthermore, unscheduled repayments are possible at any time free of charge. And also an early repayment of the loan can be made at any time free of charge.
Two further exciting offers come from the CreditPlus bank as well as from Barclaycard. They are each accompanied by an effective interest rate of 1.99 percent. If the 28000 euro loan for self-employed persons is provided with a term of 84 months (7 years), this results in a monthly installment of 357.14 euros.
Further offers
SWK Bank has another interesting offer in store. It has an effective interest rate of 2.20 percent. The monthly rate for a term of 84 months is 359.69 euros.
Similar good offer from Targo Bank. The effective interest rate here is 2.45 percent, while the monthly payment is 362.73 euros. Comparing this offer to Postbank's offer, there are very few changes. In fact, Postbank works with an effective interest rate of 2.47 percent, which would mean a monthly rate of 362.98 euros for a term of 84 months.
With the help of smava.de comparison calculator can find many other loan offers. Whether from Norisbank, DKB or Deutsche Bank – all offers are fair and can be easily compared with each other.
28000 Euro loan for self-employed – Tip
When comparing, don't just look at the effective interest rate. Product details can also be very important in a loan for self-employed 28000 euros. Thus, it must be seen how long the self-employment must already exist and what documents must be submitted.
This may vary from offer to offer. But under the menu item "Product Details" such acceptance guidelines and evidence can be read in detail and compare.