Disadvantages of self-employment

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The first significant disadvantage is the lack of insurance pension experience and pension points. This can be changed by voluntarily transferring a contribution to the Pension Fund for compulsory pension insurance. The payment is a fixed amount per year. In 2020, it was 32,448 rubles, and by 2023 it had already increased to 36,723 rubles. Agree, not so little, especially for those who consider self-employment as a part-time job.

Another disadvantage is that although the self- lithuania telegram database employed have received the opportunity to obtain credit, the interest rate on the loan or mortgage, the down payment and the term of the loan may not be as attractive as for a borrower who has official employment and a 2-NDFL certificate. Of course, no bank can guarantee 100% approval of your application, and if it refuses, it has the right not to state the reason for such a decision. But this applies not only to the self-employed, but also to all other categories of borrowers.

What other disadvantages are there to this status?

Current income restrictions are up to 2.4 million rubles per year.
A ban on hiring workers under an employment contract - that is, performing the work yourself or concluding a special contract.
There are still no social guarantees, for example, if a self-employed person falls ill or wants to go on vacation.
There is no possibility to deduct expenses, for example, for those individuals who are engaged in the production of their own goods - a cake or bed linen. For example, individual entrepreneurs and LLCs on a special tax regime can reduce the amount of tax due to the expenses incurred.
Refusal to receive a tax deduction for payment of medical treatment and education, or purchase of real estate. This right is available only to those who pay 13% personal income tax from their official salary under an employment contract.