Mortgage loans for those in debt


Another source of income that the bank will allow when calculating your creditworthiness are of course other types of contracts, although they are not as liked by banks. After all, we are talking about a job, even for a limited period , it is still the surest source of income, and thus you have the best chance of getting a loan with it.

Increasingly, they are also included as sources of income

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However, you should be aware of the fact that the cost of obtaining income will also be deducted from the commission or work contract, which will significantly affect your creditworthiness. As much as 20% is deducted from the net amount specified in the contract for the order. Do you think it’s a lot?

It’s up to 50% on a work contract! Obtaining a loan while being employed under these contracts is therefore not impossible, but quite difficult. Even if you manage to borrow money, it will be rather lower amounts than in the case of an employment contract.

In this case, he must prove to the bank

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That we have obtained financial stability as a company. Running your own business is not a problem to become credible borrowers, as long as you provide a banking institution with an analysis of the company’s income for the past and current accounting year. It is also important whether our industry is safe or whether it belongs to the high risk sector? Regular payment of fees has an impact here as well.

If you are in arrears with ZUS or the Tax Office, do not count on the fact that banks will trust you and grant you a loan. The last point is how long you’ve been running your business. If it is a minimum of one year – then you can already try to apply for a loan. Most often, however, banks expect the company to exist on the market for at least two years

As in the case of general principles – the period of existence of the company on the market and the position of its income from the last two years are important. Due to the fact that in this case it is difficult to determine the real profit for the company – unfortunately, often banks refuse credit to persons who have operations on these principles. This does not mean, however, that this always happens, but credit card tax and a lump sum tax are often much harder to obtain. In this case, it is worth going to specialists – financial advisors.


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