Universidad Espíritu Santo — ISCN
The Universidad Espíritu Santo, located in Samborondón Ecuador, is a private, self-financed, and non-profit higher education institution. It began its academic activities in 1994, with commitment and constant innovation, reflected in the quality of the service it offers to society and its university community. Its motto “NON PROGREDI REGREDIT EST” is a permanent imperative that drives personal and institutional progress and improvement.
The UEES adhered to the United Nations Global Compact in 2010 and since then has demonstrated its commitment to university social responsibility and the principles of the Global Compact and the Sustainable Development Goals with clearly defined lines of research and research planning with its corresponding allocation of resources. The lines of research in development are: Health, Environment and Natural Resources, Social Sciences and Good Living, Marketing, Consumption and Society, Communication and Trends in Information, Construction and Computing and Telecommunications.
In the fulfillment of its commitment to the reduction of the carbon footprint, collective transport has been optimized for teachers, students and administrative staff, most lighting is LED, the use of water has been rationalized, we have several recycling programs, our students receive transversal subjects on sustainable development and ecological commitment and we have a vegetation cover that exceeds the built area.
Contact email: [email protected]
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La Universidad Espíritu Santo situada en Samborondón – Ecuador, es una institución de educación superior, privada, autofinanciada, y sin fines de lucro. Inició sus actividades académicas en el año 1994, con compromiso e innovación constante, reflejado en la calidad del servicio que ofrece a la sociedad y a su comunidad universitaria. Su lema “NON PROGREDI REGREDIT EST” es un imperativo permanente que impulsa el progreso y mejoramiento personal e institucional.
La UEES se adhirió al Pacto Global de las Naciones Unidas en el año 2010 y desde entonces ha demostrado su compromiso con la responsabilidad social universitaria y con los principios del Pacto Global y los objetivos de Desarrollo sostenible, cuenta con líneas de investigación claramente definidas y una planificación de la investigación con su correspondiente asignación de recursos. Las líneas de investigación en desarrollo son: Salud, Medio Ambiente y Recursos Naturales, Ciencias Sociales y del Buen Vivir, Marketing, Consumo y Sociedad, Comunicación y Tendencias en la Información, Construcción y Computación y Telecomunicaciones.
En el cumplimiento de su compromiso con la disminución de la huella de carbono, se ha optimizado el transporte colectivo para los docentes, estudiantes y personal administrativo, la mayoría de Iluminaciones son led, se ha racionalizado el uso del agua, tenemos varios programas de reciclaje, nuestros estudiantes reciben materias transversales sobre desarrollo sostenible y compromiso ecológico y tenemos una cobertura vegetal que supera el área construida.
Contact email: [email protected]
regedit.tech analysis
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Analysis in a nutshell: Server used for this website is located in US; United States; TX; Texas; Austin; 78733; America/Chicago; 30.32050000; -97.87590000; 635. regedit.tech Alexa ranking is, at this time, at 732 143. We also want to add that the Alexa Global position for regedit.tech has changed by +47 704 over the past 3 months. We are missing the registration date for this domain. The homepage contains 0 off-bound links.
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Where is it easier to get a cash loan for the self-employed
I compare the conditions of different banks — I hope it will be useful to someone.
747
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When I became self-employed, I didn’t even think that I might have problems getting a loan. It was just that somehow it wasn’t before and it didn’t occur to me, and in general, I didn’t plan to take loans. But times are changing.
As it turned out, the self-employed may have problems obtaining a loan, because they are not officially employed and it is more difficult for them to confirm their income, which banks always evaluate before issuing a loan. By the way, this is a problem not only for the self-employed, but also for entrepreneurs in general. For example, a mortgage may offer a higher interest rate, because the entrepreneur is supposedly a risky client.
Suddenly, his business goes bust and he can’t pay later, well, what the hell, he needs to raise his stake in order to recoup such a risk.
Of course, as it turned out, getting a loan for the self-employed is real, you just need to provide more documents. Which ones, I found out in the main large banks.
Sberbank
Asking for: a passport, a statement of the state of income on the NAP for 12 months.
VTB
Asking for: passport, bank statement of income.
Tinkoff
Request: passport.
Alpha
Asking for: passport, bank statement of income.
Rosselkhozbank
They are asking for: passport, application, documents on marital status and military ID (if any), certificate of income from NPA for 6 months.
Sovcombank
They ask for: passport, TIN, SNILS, income statement in the form of a bank.
Otkritie Bank
They ask: in theory, a bank statement for 12 months is enough.
But also in the FAQ it is written that they do not give loans to individual entrepreneurs, perhaps to the self-employed too.
Raiffeisen
Do not give.
After analyzing the conditions of banks, I came to the decision to try to issue through Tinkoff shopping mall, judging by the information on the site, they ask for the fewest documents and it will be easier to get a loan. Played another time-saving factor. Simply providing a certificate in electronic form is not so difficult, but most banks asked to bring the originals to the office.
If anything, I have been self-employed for 1.5 years, I receive the main income on the Tinkoff card, but there are small accounts in other banks. I applied for a loan through the Tinkoff application, indicated the purpose. By the way, my goal “treatment” was not in the list of goals, I had to choose “other”, I hope this did not negatively affect the rate. She indicated the amount, the monthly income, but with the latter it was difficult, given that the monthly income is not always consistently the same, but she calculated the “arithmetic mean” and indicated.
In general, I don’t really understand why this should be indicated, the bank already sees transactions and receipts on the account and can draw conclusions based on this, but oh well.
My application was reviewed quickly, literally in 5-10 minutes, I received a notification that it was approved. I was sure that they would ask for additional documents, but they did not ask anything. After approval, the loan still had to be activated, the amount and term confirmed, after which the money was received in an hour. In terms of time, the loan processing took about 15 minutes and did not require any actions and documents from me, except for filling out an application. In this regard, the promises of the bank came true.
The payment date fell on the debit card statement date, in my case it is the 10th of each month, but the first payment according to the schedule was indicated not on May 10th, but on June 10th. It’s not very convenient that it’s not very clear what the rate is right away, I didn’t find where it is written, I found only the term and the monthly payment.
Then in the end I found a bet, but I had to tinker.
The rate itself was also not the lowest. In fact, I rarely take out loans and I don’t really know the rates — which are considered high, which are low. I can only calculate based on the key rate of the Central Bank and my own ideas about how much I would be sorry to give to the bank. So in the case of Tinkoff, the rate seems a little high, but within reason, otherwise I would have agreed to it) I expected something like this, given my self-employment.
Concluded that stories about how difficult it is to get a loan for the self-employed are somewhat exaggerated. In fact, the list of documents that are asked from the self-employed does not differ much from the list of documents that are asked from employees. It’s just that one needs to show a 2NDFL certificate, and the other a certificate of the state of income from the NAP.
I think the difficulty here is rather that incomes must match. There should be a lot of them, or rather, the concept of “many” is relative, it would be more correct to write “enough for the requested amount”.
So that the payment of the loan payment for the requested amount becomes a feasible expense, not very large compared to the entire monthly income. At the same time, income should be regular and approximately the same every month. And yet everyone usually asks that self-employment be registered at least 6-12 months ago.
So the gag may arise not with the list of documents, but with compliance with these requirements. A certificate for the bank can be easily done, but if it turns out that the amount is too large or self-employment has recently been registered, they will most likely refuse.
In general, I would not say that getting a loan for a self-employed person in 2023 is some kind of big problem if self-employment has been registered for a long time and the loan amount is adequate to income. Self-employed, tell us, how did you get loans? Was it easy or were there failures?
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