This is another disadvantage of being freelancer.How do they get income certificate if someone ask for that? I was all set to get a loan i.e. credit card. It was my first credit card. I didn’t think about that before applying for that. They asked me for my income certificates. Getting a loan is not that hard to get loans as I thought before but they give very small amount of loan and they don’t have any facility like debt consolidation If I show them income certificate of 20000 nrs of monthly income then they only give me 50000 loan. Hell, what I can I do with 50000 nrs? At least I would get my first personal loans. I could also show them little higher income certificate if I could make certificate of my freelance income but how do I get my income certificate? Who will give me the income certificate?