(1) Establish a good record. The borrower wants to apply for a loan from the bank. When providing the required information, the borrower's personal credit report is a very important part. If the borrower's credit record If the loan is bad, the bank will think that the borrower does not have the ability to repay, and will refuse the loan. Generally speaking, freelancers will need business records and asset-backed notes of 2 years or more when borrowing money. It is important to note that in addition to the usual loan application documents, the lender may also require you to provide a BAS statement, tax returns, bank accounts and possibly a statement from your accountant.
(2) Own liabilities When applying for a loan, the bank will examine the borrower's own liabilities. Generally speaking, in addition to checking the borrower's income and expenses, lenders will also check the credit card limit. Borrowers need to pay attention to the fact that the tax payable must be paid in time.
(3) Prove your own income. If a freelancer has a certain amount of savings and can prove his or her income, it is best. If you apply for a loan as a freelancer, you can also apply for a low-interest loan. of loans. After the introduction, as a freelancer, if you want to apply for a loan, you must remember to consider the above three situations, which will help save costs when applying for a loan.