Entrepreneurs are a special category of bank borrowers. Since their incomes are far from always predictable, obtaining bank loans is much more difficult for them, especially compared to those who receive a small but stable income as an employee. Not all banks are ready to issue unsecured loans to sole proprietors.
Uralsib is one of the few companies that works with entrepreneurs on all types of lending programs, from consumer loans to mortgages.
The Entrepreneur credit product is available to individuals who conduct individual business activities (who are not a legal entity). It is issued without collateral for a fairly long period of time.
Loan terms and conditions
A consumer loan for entrepreneurs is distinguished by a not too high amount – you can get from 50,000 to 750,000 rubles. Lending is carried out only in domestic currency. The term can range from 1 year to 5 years (the figure is a multiple of 1 year).
The loan is issued at 22% per annum. The amount of the interest rate does not depend on the term and amount. It is fixed for the entire repayment period, but can be increased:
by 3 percentage points if the loan was received without life and disability insurance of the borrower;
by 2 percentage points if the borrower does not additionally confirm his solvency with documents for a car or real estate.
You will have to pay in equal installments according to the schedule. Early repayment is carried out at the request of the client either on the date of the next payment, or on a randomly selected date, but then the application for partial repayment of the loan must be submitted 1 month before the planned date. No fees are charged.
Requirements for borrowers:
Russian citizenship;
registration in the region of the bank's office presence;
The borrower must be over 23 years of age and under 60 years of age.;
it is mandatory to have a positive credit history;
the term of business activity is from 1 year.
Required documents
: loan application;
passport;
an income document (a tax return on taxes paid on the income of an individual, income from the USN or imputed income);
documents confirming the payment of tax fees to the budget;
documents confirming the payment of advance tax payments to the budget;
documents for ownership (if the amount is more than 500,000 rubles required, in other cases – optional): you can provide a certificate of ownership of a foreign car no older than 5 years or of ownership of real estate.
Resume
A loan for entrepreneurs from Uralsib Bank allows you to get a solid loan without collateral and a 2-personal income tax certificate. To return money to the bank with a minimum overpayment, you will have to connect insurance and confirm your solvency with documents for cars or real estate. Compared to competitors, the loan rates are quite competitive, and the amounts will solve a number of consumer problems.
Advantages:
reasonable rate;
early repayment without fees.
Disadvantages:
the need to confirm income with additional documents in the amount of 500,000 rubles or more;
refusal of insurance may lead to a refusal to provide a loan and will definitely lead to an increase in the rate by 3% per annum;
a voluminous package of documents. Real free porn movies https://exporntoons.net online porn USA, UK, AU, Europe.