Banking procedures always require the customer to demonstrate his or her creditworthiness. Usually it is one of the least comfortable formalities. Drawing up an income statement involves informing the employer about the loan, which can lead to awkward situations.

Some banks, in order to meet the expectations of customers, make it possible, however, to present creditworthiness without a certificate from the workplace. Such loans are granted on the basis of a declaration. What are they and what are the conditions to be met in order to obtain them?

A credit for a declaration is a product that minimizes formalities. In order to take it out, all you need is an ID card, an earnings declaration (we declare these data ourselves on a form created by the bank) and an application for a loan. On the basis of these documents, we can receive cash even on the same day. In most cases, all formalities are limited to a one-off visit to a bank branch.

The product, i.e. a loan for a declaration, is most often addressed to a specific group of customers. Banks prefer to give it to people who have an active account in their facility. Account holders in other banks may be asked to provide an account statement or a copy of their employment contract. However, this is not a standard - in a part of the institution, credit for a statement can only be obtained on the basis of basic documents.

Obtaining a loan for a declaration may be easier when earnings are shown at a constant level. Remuneration amounts that vary considerably from month to month can be a barrier to lending. In this case, it may be necessary to provide a salary statement from your employer.

The statement of earnings applies to both individuals and companies. The rules for granting loans in these two cases are similar. In order to apply for credit for companies, you must declare the amount of income of the company. As in the case of individual customers, some banks may require an account statement - this time from the company (unless the account is held in the same bank where we apply for a loan). A loan for companies, granted on the basis of a declaration, may reach even several hundred thousand zlotys.

It is worth remembering that the possibility of independently certifying your earnings is not equal to permission to certify falsehood. Please be aware that the bank has the right to confirm the place of employment and the amount of remuneration with the customer's employer. Misrepresentation of truthful information shall entail legal liability.

Loan for a statement, due to the fact that the formalities are kept to a minimum, is a fast and comfortable way to increase your personal or corporate budget. Before making a decision to enlist it, it is worth comparing the offers of different banks and banking institutions and choose the most advantageous option for us.

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