Can self-employed people apply?
Yes, self-employed individuals can apply!
Requirements for Self-Employed:
- Minimum 2 years of self-employment history
- Minimum annual income: €20,000 (higher than employed applicants)
- Valid EU residency and bank account
Required Documents:
- Tax returns for the last 2 years
- Business registration documents
- Bank statements showing business income (last 6 months)
- Proof of business address
Income Verification:
We calculate your average monthly income from your tax returns and bank statements. The loan amount is based on your proven income.
Rates:
Self-employed applicants may receive slightly higher rates (0.5-1% more) due to income variability, but competitive rates are still available for those with strong financials.
