It is often more difficult for Self-Employed Persons (e.g. self-employed, freelancers, entrepreneurs, SME owners) to obtain a loan than for persons in employment.
During the credit check, the income must be documented beyond doubt for the budget check. This can be a challenge for self-employed persons. Often the income must be validated via tax documents.
Collateral, such as real estate, makes it easier for self-employed persons to take out a loan.