Cash loan – what documents do you need for the bank?

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If you are looking for a cash loan, it is worth knowing what documents will be needed for the bank. It is better to protect yourself from the tantrums of banks, which will expect new paper every now and then. To decide whether we will get a cash loan or not. Depending on the source of your income, appropriate documents will be required. Financing can be applied for not only by those working full-time, but also by those receiving pensions, retirement pensions and other benefits. So check what documents will be needed for the bank, in the application for a cash loan.

General Principles – Book of Income and Expenditures (KPiR)
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In the case of an electronic book , it is worth printing out income and costs for the entire current year. Alternatively, at least from the last 12 months. It is worth doing this in the presence of a denmark whatsapp database employee, i.e. at a branch. Then such a printout is confirmed with the employee's stamp, it is an accepted form by banks. Additionally, it is worth having confirmations of the last three proofs of payment of tax, or a declaration of no arrears in the Tax Office.

In a situation where entrepreneurs manually keep a book of income and expenses , or an accounting office does it for them. It is worth providing the bank with photocopies of the first page, where the company data is. As well as the last page, which contains a summary of the current month and the entire period cumulatively. As before, the last 3 proofs of tax payments or a certificate from the tax office.

In the case of flat tax and lump sum, all the above documents are similar. However, in the case of the tax card, the decision of the tax office on the specific tax should be presented to the bank.

Pension
Another case is, for example, disability pension. Banks do not exclude people who have health pension, family pension and other benefits.

Required documents:
pension decision, i.e. indexation/granting of a pension,
identity card,
in the case of structural pension, a decision of the head of the district office of the Agency for Restructuring and Modernisation of Agriculture is required,
last statement from your personal account,
pensioner ID card.
Pension
List of documents that the bank requires:

Decision from ZUS on granting a pension with current indexation,
account statements confirming the receipt of pension into the account,
card.
In the case of a pension or annuity in a foreign currency, it must be remembered that most banks accept such a benefit if the funds are transferred through the Social Insurance Institution (ZUS).