What contract with a customer does a freelancer need to get a loan from a bank?

Question

Freelance

Hello!
There was a desire to buy a car, but unfortunately it’s impossible to save up (it’s a difficult thing to watch how the money is and not spend it), and it was decided to take a loan from the bank. But there is a small problem, the official work where I am listed brings me 15-20 thousand rubles of income every month, which, with a loan of 700,000 rubles, is unacceptable to say the least. But there are also regular customers who, in principle, do not mind drawing up an agreement, with only one but - without taxes and other things, and all customers are over the hill (only periodic orders from the Russian Federation). So, the question is, what kind of contract must be concluded in order for it to suit the bank? Or maybe there is some other way to get a freelance loan?

Answer 1

Most are right. Prepayment is still required. Therefore, since it is difficult for you to “look at the money that lies,” I would advise you to do the following. You can apply to any bank (after conducting a comparative analysis and having studied the contracts), you can also contact VTB24, as advised by shvedovka(a really good bank) and open a savings account (or savings) with them, say for half a year, and regularly, once a week or twice a month, replenish it, until the accumulation of any amount acceptable for an advance payment for a car. 30 or 40 percent of the cost of the car. Firstly, the bank will know you and will have some idea of ​​your goals and income when you apply for a loan in the future (in 3-6 months). Secondly, you won’t have to do so much, which means you won’t have to overpay so much. This is probably the best option in my opinion.
Well, in general, credit inspectors look not only at personal income tax-2 (Certificate of income from work). I'm thinking of getting you a loan of 300t.r. rubles with a salary of 10-20t.r. possible (especially if you are married and there are no other loans for you or your relatives, or even a good credit history of one of your relatives.) And for 300t.r. you can buy a good (not new) car.

Answer 2

No contract is needed at all. Such contracts will not be considered as a permanent income => one trait will not be taken into account as a salary. In 99% of banks, such an agreement will not even be attached to the case.
If the down payment is from 30%, then just look for banks that accept income statements “in the form of a bank” (as much as you want, draw as much) and apply - there is a good chance. From my own experience, we recommend vtb24 in St. Petersburg in terms of kindness to the borrower.

Answer 3

You can make it easier: for some time (probably > 3 months), pass your cash through the settlement. bank account.
For example, Alfa-Bank issues loans without any certificates of employment, you can be unemployed at all. They still know the monthly budget, why do they need any information.)

Answer 4

Any, with a 50% prepayment of services to an account in this bank and clear obligations of the parties. :)
Price: 2000 rubles from any lawyer. Or free.

Answer 5

No contract will do. And ofiginuri writes nonsense about the realities of Russian bank lending to individuals, which is formalized and does not imply any personal security conditions, no one will "enter" your position and features.
Being an IP is no better.
In your case, you need to start earning a credit history, with any loan, at least 1000 rubles. clearly repaying and applying for another loan, submitting letters from the bank as part of the package of documents that you repaid the previous loan without problems.
Well, to be registered somewhere as an employee with any salary so that there are at least some deductions for funds and income tax.

Answer 6

There was such a problem in 2007 ... Only I don’t even have a work book. As a result, I still saved up and in February 2008 I took a new Honda Accord for 725. It was enough for me to go with loans a couple of times and by their faces I understand that no bank will deal with me.

Answer 7

TCS Bank gives credit cards to everyone indiscriminately. If you are lucky and they will give you, there are no documents needed.
Just fill out the form on the site and they will bring you a card home (here you already draw up an agreement and you are photographed as a keepsake :)).
True, if I'm not mistaken, a maximum of up to 300 thousand can be issued there, and then not immediately, but after some time using the card.

Answer 8

I took two documents, but 40% down payment.

Answer 9

You can contact a credit broker, the application will be sent to a bunch of banks, and someone will answer positively. Or, as they already said in the form of the bank, a certificate is possible, that's exactly what I did at VTB24. Everything went smoothly.

Answer 10

1. Find a guarantor who has a normal official income. You can look for a bank employee as a guarantor from the bank where you are going to get a loan.
2. Use real estate instead of a car as collateral.
3. Take several loans in succession, pay them off ahead of time.
4. Make a deposit, fill it actively. Show the movement of money.

Answer 11

All my friends with a similar problem were able to solve it in only one way - to ask someone with an official income (moms, dads, brothers, wives, friends) to take this loan. I don't think there's any other way to fix the issue FAST. Well, bailing out an apartment is another option, of course, but this is some kind of bad option :) Theoretically, you can still try to take it in any left banks, but there will be a down payment of at least 30% and the rate is the same 30% at least.

Answer 12

In such cases, here's the money loan service dengivzaym.ru for you , without any information. You are looking for a person from your city who can give you money, you negotiate terms and interest, and in a personal meeting, against receipt, he gives you a loan. In principle, everything on the site is written and described how and what works.

Answer 13

Even with such a salary, you can always send an application for a loan to several banks, using the link the most relevant and loyal banks. Fill out 2-3 applications in equal amounts and wait for an answer, then take them and that's it. My salary also did not pull on 500 tr. I applied for Renaissance Credit and UBRD through this site, received money the next day and bought a long-awaited car.

Answer 14

Contracts with customers, in fact, will not be considered as permanent income, as I found out. Therefore, you will have to look for banks with a down payment and without formal information, or, in other words, take a loan of this type https://fin32.com/en . But this is if the amount is small and you need to get it quickly.

Answer 15

Here is a good site for acquiring loans without certificates and guarantors https://www.wecreditunion.ru

Answer 16

where to get a credit card?

Answer 17

Uralsky bank card https://credit-card.ru/cards/ubrir/120-days.php A credit limit from 30,000 to 60,000 rubles is provided to customers without proof of income, from 30,000 to 150,000 rubles - with proof of income. what else do they bring home))

Answer 18

I was given a credit card on 2 documents on the day of application. The credit limit is small, but it was enough for me. At present, there are no problems with this in banks.

Answer 19

I took a credit card from Alfa Bank, they gave it to me in just 15 minutes, the limit on it is 300 thousand rubles. A huge plus for me was the opportunity not to pay interest for 100 days. If I am not mistaken, then such a credit card is issued from the age of 20 and no additional certificates are required. Now, indeed, obtaining loans has been greatly simplified, and the conditions have become more loyal to the client.

Answer 20

Good afternoon! Many banks give money without proof of income at all / only with a bank certificate. Believe me, this makes it very easy to get a loan. You can compare the conditions of banks and get a more profitable
loan on the website Vyberu.ru

Answer 21

Even with such a salary, you can always send an application for a loan to several banks, using the link the most relevant and loyal banks. Fill out 2-3 applications in equal amounts and wait for an answer, then take them and that's it. My salary also did not pull on 500 tr. I applied for Renaissance Credit and UBRD through this site, received money the next day and bought a long-awaited car.