Source: My Business portal in Omsk region

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In June 2020, due to the pandemic situation, the state fully refunded taxes paid in 2019 to all self-employed people. Another tax deduction in the amount of the minimum wage (12,300 ₽) was also provided. This money can be used to pay the tax on professional income. Plus, for several years now, new self-employed people have been supported with a bonus for paying taxes - all this attracts micro-entrepreneurs who want to come out of the shadows and not be afraid of sudden tax inspections.


Source: My Business portal in Omsk region

If in 2020 the self-employed were almost always lithuania telegram database denied loans, and even more so mortgage approval, then by 2023 the situation had improved significantly. Therefore, the opportunity to apply for a loan or mortgage from a bank can be called a plus of this status. More and more credit institutions are developing special products for the self-employed. Such offers can be found, for example, in a special section of the Banki.ru website .

But in any case, banks take into account certificates of earnings generated through the Federal Tax Service. A self-employed person looks like a more confident client, unlike someone who put the status “I work unofficially” in the questionnaire and did not provide proof of their income.