In the financial sphere, we speak of a bad payer when a person, having opened a loan or a loan, has paid one or more installments late . The bad payer is not to be confused with the foreclosed subject because they are two very distinct things. Before assessing whether there are loans for self-employed bad payers, we want to highlight this difference well.
BAD PAYER AND PROTESTED: DIFFERENCE
Even if you are a bad self-employed payer you can hope for another loan!
It is therefore good to make some clarity, because bad payers and protesters are not the same thing . The protested person is one who has not paid a debt and has been subjected to protest by the judge. So the big difference between bad payer and protested is that the former has been delayed with payments but paid, the latter has never paid his debt.
When you are reported as a bad payer, after the second delay in paying an installment, you are reported to the CRIF by the bank or financial institution and you may have difficulty in requesting other loans again. This report, however, is not life-long but only temporary. If in the 36 month period you have not had other reports to make your situation worse and for this period you will have paid all the installments regularly, you will be deleted from the CRIF database.
LOAN FOR WORKER INDEPENDENT CRIF
Having a loan is already very difficult for a self-employed person. You must prove that you have a stable income by submitting at least the last two tax returns. In the event that, after having a loan, the employee is late in payments, the situation becomes difficult.
For the self-employed worker named Crif there is not much chance of having a new loan. The only possible solution is to wait to be deleted from the list of bad payers. This time should not be more than 3 years from the last report. Certainly it is good to avoid being a repeat offender, otherwise you will not be deleted from the Crif list.
Alternatively, if you can’t wait, you’ll need to get a loan from a relative or friend . In this case we inform you that you will have to enter into a written agreement to be registered with the Revenue Agency. This is to protect you and those who lend you money from a possible control by the Finance Guard or to incur misunderstandings over time. It is known that among relatives everything is fine until money is in between.
So, if you are a bad self-employed payer and are looking for a loan, you have two options:
wait to be deleted from the list of bad payers;
make a loan request to a friend or relative.
You will hardly be able to get other types of loans. If you are a protested self-employed person, things are even more difficult. Perhaps only friends or relatives can help you.