Self-employment and mortgages
Only last year, a new regulation on self-employment gave impetus to the emergence of representatives of many professions from the shadows: these are tutors, and home-based professionals, copywriters, photographers, and many, many others.
Of the good points, as practice teaches, getting a mortgage for a self-employed is a little easier than a loan. The fact is that in this case, the bank realizes that it actually has ready-made housing as a pledge, therefore it considers the offer much more willingly.
Finally, an impressive down payment of more than 30% will help to tip the scales in favor of self-employed mortgage approval.
As you can see, banks are slowly getting used to new participants in economic relations and are even preparing special programs for them.
And like all other residents of the country, these people sooner or later think about buying their corner.
And if before that they had to deal with the need to confirm income, now banks have “tried” a new type of consumers and are ready to fight for them, offering very attractive options. The same versatile DomKlik service from Uber encourages self-employed people to choose an apartment in their base at a rate of 7.8% per annum for "secondary housing" and from 1.4% (for the first year) for a new building under a subsidy program with developers. To do this, when filling out an application in the service, enter your SNILS number}} - and you will not need a workbook, all data will be requested automatically. It will increase the chance of approval and registration in the special attachment “My business”}} - for this it is enough to get 4 credits of income.In other cases, you will have to get a certificate from the tax office or in the taxpayer's personal account. As usual, income should be more or less stable and not have strong drawdowns.
Many banks are less well-meaning and take risks into account when dealing with such residents. As a rule, self-employed are required at least a year of work in the appropriate status. Similar requirements are now being put forward for holders of the IP status.Of the good points, as practice teaches, getting a mortgage for a self-employed is a little easier than a loan. The fact is that in this case, the bank realizes that it actually has ready-made housing as a pledge, therefore it considers the offer much more willingly.
Finally, an impressive down payment of more than 30% will help to tip the scales in favor of self-employed mortgage approval.
As you can see, banks are slowly getting used to new participants in economic relations and are even preparing special programs for them.