Some financial entities provide personal loans to self-employed taxpayers, allowing them to access financing for various purposes. However, each bank imposes specific requirements and offers particular conditions.
Next, we will tell you what options are available, the amounts offered, and what is needed to apply for them.
Se prevé una inflación moderada para noviembre
Which banks offer personal loans for self-employed taxpayers?
Currently, there are several banks that grant lines of credit to self-employed taxpayers. Among them, Banco Nación, Banco Macro, and BBVA stand out, each with different amounts and terms.
Banco Nación
Banco Nación offers personal loans of up to $50,000,000, with the possibility of paying them in up to 72 installments.
Nominal Annual Rate (NAR): 55% for clients with "Cuenta Nación," 76% for those who do not adhere.
Requirements:
Present the Census Compliance Certificate issued by INDEC.
The age at the end of the loan must not exceed the retirement age.
The first installment can't exceed 30% of the monthly income.
Banco Macro
Banco Macro grants personal loans with a limit of up to $32,000,000 and a maximum term of 60 months. The interest rate varies according to the applicant's credit profile.
Requirements:
Prove regular income as a self-employed taxpayer.
Pass the bank's credit evaluation.
¿Qué banco tiene el mejor plazo fijo este 8 de enero?
Banco BBVA
Banco BBVA allows you to apply for loans of up to $50,000,000, with terms of up to 60 months.
NAR: 73% for loans at 36 months.
Total Financial Cost (TFC): 131.29%.
Requirements:
Age between 18 and 74 years.
Minimum work experience:
3 months for employees with salary accreditation at BBVA.
1 year for employees without accreditation at BBVA.
1 year for independent professionals.
2 years for merchants and self-employed individuals.
Minimum monthly income of $271,571.22.
How to apply for a personal loan if you are a self-employed taxpayer?
To request a personal loan, it is necessary to follow certain steps and present the documentation required by each bank.
Present ID, proof of registration in ARCA, and, in some cases, the Census Compliance Certificate from INDEC.
Fill out the application, either online on the bank's website or in person at a branch.
Wait for the credit evaluation, where the applicant's payment capacity is analyzed.
If approved, sign the contract and receive the money.
Podés regularizar tu situación a través del sitio web de ARCA
What to consider before applying for a loan?
Before requesting a loan, it is crucial to analyze the interest rate, the payment terms, and the amount of the installments. It is also advisable to maintain a good credit history to access better conditions.
