Loans for the self-employed are examined particularly intensively. Favorable interest rates: In contrast to overdrafts, banks generally require significantly lower interest rates for a call-off loan – with the same flexibility. Call credits are granted without collateral. For most banks, only standby loans are given to employees and civil servants. The call credit is a good thing, since only the interest on the required sum is due.
Self-employed and freelancers
As a self-employed person, you have flexible access to available liquidity at all times – at favorable interest rates and without further assurance? This offer is offered through a framework loan. Some institutes are also open to entrepreneurs. You can also use our cost calculator to calculate the interest. We have provided instructions for you.
The following conditions for a credit obligation for entrepreneurs. Further information can be found on the website of the relevant bank. Mostly the following documents are needed: What is a framework loan? A line of credit basically works like a bank overdraft. The borrower can dispose of any amount within the specified framework.
The interest rate is much lower for the account holder than for the disposition. On the one hand, this provides more flexible liquidity, on the other hand, higher current account interest rates can be avoided on the house bank account. The disadvantage is that no large sums of more than USD 50,000 can be claimed. Unlike many other loans in the labor market, the job status of self-employed or freelancers is not an exclusion criterion for the offers listed here.
The conditions are the same in practice for all subject groups, but vary from house to house.
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The call credit is a special kind of credit, which is also suitable for the self-employed. The credit balance for self-employed works in the same way as an overdraft, but no current account is required, which does not necessarily have to be claimed from your own bank. As a result, potential borrowers can make use of a freely selectable lender for the cheapest interest rate offer.
In the case of a call-off loan, the lender enters into a special fixed-rate credit line. This amount will then be made available to the borrower on a temporary basis but never obliged to use the entire amount. The borrower thus has the option of early repayment of the loan.
In addition, only the part of the loan borrowed by the borrower is paid. If z. B. only 80 v. H of the total amount provided, the borrower only has to meet the necessary interest charges for this 80% H. pay. Due to the lack of time limit in the sense of a installment loan, the call credit for self-employed can be repaid or dissolved completely at any time.
It is enough to settle the outstanding claim. In addition, special repayment often has a positive impact on the interest rate and thus on the total cost of the loan. Because the house bank has only provided a credit line for a call-off loan, ie a certain amount of the loan, this is also suitable for the self-employed.
However, this fact has a huge positive effect on the total cost, which is why the cost of a call credit is usually much lower than a installment loan. The loan is also suitable for borrowers if the exact amount can not be determined in advance. When setting up a new office or housing unit, you can therefore set up a special credit line instead of a fixed amount and then have it fully paid by the house bank.
On-call service for the self-employed is thus a very welcome benefit in terms of economy and comfort, both for the self-employed and for ordinary employees. By means of a credit comparison, in particular credit institutions can be searched for with a call credit and selected in the program.