Self-employed people often have a harder time than employees when it comes to real estate financing. Banks assess the income situation of entrepreneurs, freelancers or tradespeople more strictly, as income can fluctuate. With good preparation, however, it is still possible to obtain a loan successfully.<\/p>\n
What documents do banks require?
\nSelf-employed persons usually have to submit more comprehensive proof than employees. This includes<\/p>\n
Balance sheets or income statements for the last three years
\nCurrent business analyses (BWA)
\nTax assessment notices and proof of income
\nOrder books or references, if applicable<\/p>\n
What banks pay particular attention to
\nStability and continuity of income are crucial. The longer you have been self-employed and the more constant your income, the better your chances of obtaining financing. Equity is even more important for the self-employed - at least 20 to 30 percent should be available in order to obtain favorable conditions.<\/p>\n
Conclusion
\nSelf-employed people must expect stricter checks when it comes to real estate financing. If you prepare all documents in good time and have sufficient equity, you will significantly improve your chances of a successful loan application.
\n \u00a9 immonewsfeed\u00a0<\/p>","protected":false},"excerpt":{"rendered":"
Selbstst\u00e4ndige haben es bei der Immobilienfinanzierung oft schwerer als Angestellte. Banken bewerten die Einkommenssituation von Unternehmern, Freiberuflern oder Gewerbetreibenden strenger, da Eink\u00fcnfte schwanken k\u00f6nnen. Mit guter Vorbereitung l\u00e4sst sich die Kreditvergabe dennoch erfolgreich gestalten. Welche Unterlagen verlangen Banken? Selbstst\u00e4ndige m\u00fcssen meist umfassendere Nachweise einreichen als Arbeitnehmer. Dazu geh\u00f6ren: Bilanzen oder Einnahmen-\u00dcberschuss-Rechnungen der letzten drei Jahre […]<\/p>","protected":false},"author":2,"featured_media":18231,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[77],"tags":[],"class_list":["post-18230","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-steuern-finanzierung"],"yoast_head":"\n