Taking out a PIT loan, including PIT-11, PIT-11A or PIT-40A is an option available in several banks which, using the period of tax returns, lasting until the end of April, allow their clients to receive a loan based on information about income in the form of PIT without having to present a classic income certificate.
In which banks will we get a PIT loan?
The PIT loan can be obtained in a large number of banks, as the PIT document is respected as part of the standard loan offer. This option, which allows you to get money quickly, but sometimes, during the procedures, banks also ask for additional documents. The banks that presented this type of offer this year include PKO BP, which offered from PLN 1000 to even PLN 30,000, but also Credit Agricole, Bank Millenium, Bank Pocztowy and Santander Consumer Bank.
Does the PIT loan require additional formalities?
PIT loan is an alternative that is becoming more and more popular. Among the formalities to be met in order to get money, first and foremost, it is necessary to visit a stationary baku facility, as well as to provide the required documents that are the income statement. It is necessary to present an ID document – personal ID, income certificate – in this case PIT, and optionally a bank account statement.
What does the application for a PIT loan look like?
Each person employed under a contract of employment, order, etc., by the end of February receives a PIT print from employers, which is the basis for the annual tax return, which must be completed by 30 April. PIT loan is associated most of us with a simplified formula, because in its acquisition, banks usually do not require additional certification as it is about earnings, and PIT-11, PIT-11Aczy PIT-40A are a sufficient document confirming the creditworthiness of the client.
The procedure for applying for a PIT loan is very similar to the classical one, and the only limitation is time limits. In some banks it is possible to obtain a loan on the basis of PIT by the end of May, while in others it is the end of June, and only in some institutions, this offer is available throughout the year.
What should the person who intends to take a PIT loan should remember?
When applying for a PIT loan, it should be remembered that after the period in which it is possible to submit an application in this form, it is necessary to submit another document confirming earned income, for example a statement of income or bank statement.
A PIT loan is an excellent option for people who want to quickly settle a loan during a hot tax settlement period, because it releases from applying for a certificate of income in the workplace. Its rules are similar to traditional loans. (Kw)