Trapped after the Polish Lada.  Tens of thousands of income per month, and the bank: zero creditworthiness!  How is this possible? [4.03.2022]

An IT specialist with a good income – it is enough to buy a decent house, instead of taking a loan in the hundreds of thousands, send a letter from the bank: “Creditworthiness is PLN 0”. How is this possible? It was enough to change the tax on activity from personal income tax to a lump sum on recorded income, which the entrepreneur decided to use in order not to pay the health insurance premium in the terrible amount.

The change in the method for determining the amount of health insurance contribution for the self-employed was introduced by the provisions of the so-called new tax deal, especially for people who have been hit hard by taxes according to the scale of the tax schedule, and the use of the so-called flat tax (19% flat tax), especially for those with high incomes.

a large group of those people who run their own business on the basis of self-employment, and earn income in industries where the costs are not high – for these people saving from unfavorable changes is the possibility of converting taxes under the general rules into a lump sum on recorded income, For the group of taxpayers, the amount of the health insurance premium after the changes is relatively the least severe.

Such an industry, for example, information technology. IT professionals usually earn high income because they bill in large amounts, but their costs are low. Many of them used a flat tax to escape the upper limit of the scale. As the experts calculated, in their case, the new health insurance contribution rules meant doubling the current burden of public fees — and advised them to run on a lump sum.

Few, however, have noted the “side effect” of being a flat rate. This group of taxpayers has “always” been hard at work in many areas of public and economic life. Especially in banks and in determining income for the purposes of various types of allowances and other benefits.

Misha faced this problem – an IT specialist with a total monthly income of 15,000 PLN. He described his adventures in a letter to the portal wanted to take Mortgage to buy a house. In line with the current trend – he went to the broker, because there is complete knowledge of the financial products available in the market. To his surprise, he and his wife learned that no one gives loans to people in a lump sum.

It will be a big problem. In Mr. Michał’s company, several people switched to a lump sum with the Polish tax order.
It is not only IT professionals who are looking for rescue from the unfavorable provisions of the Polish system in a lump sum. The self-employed is full of people who don’t have high costs – especially service providers. Of course, despite the wide range of people who are entitled to a lump sum on recorded revenue, not all providers can use it, and official statements on changes in the method of taxation will have to wait, but Based on the interest in the lump sum, tens of thousands (if not hundreds of thousands) of entrepreneurs decided to make such a change.

Banks’ policy regarding rules for determining creditworthiness has changed due to the coronavirus pandemic. Previously, many granted loans in a lump sum, albeit more stringently than others – especially employees – to assess creditworthiness and offer lower loan amounts.

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