Although apartment prices have skyrocketed, interest in buying your own home is still huge. In most cases, potential buyers must take out a loan. And this is where the stairs begin. To get a loan from a bank, you must meet a number of criteria. What? He tells us all about it Tomasz Półtorak, known on Instagram as “Credit Guy”. Listen for yourself.
Do you have such an agreement at work? It may be easier for you to get a mortgage
What does the bank pay attention to when granting us a loan? Of course, on the form of our employment. There are many options – employment contract, own business, mandate contract and many, many others. Tomasz Półtorak reveals which employment option can help us when we want to take out a loan. – Does it matter to the bank that we have a contract for an indefinite period? – we ask in the latest episode of “We Have Time”.
It’s certainly one of analysts’ favorite earnings. However, it is not the case that only a client with an employment contract for an indefinite period can take out a mortgage loan
– says Tomasz Półtorak.
The range of acceptable incomes is really very wide. From mandate contracts, contracts for specific work, through seafarers’ contracts, and clergy’s income
– he adds.
It is also said that people who own their own company or business have a much more difficult time when they want to take out a mortgage loan. Is it really true or maybe a myth? – This is one of those things that is both a bit of a myth and a bit of truth. Due to the fact that people running a business very often focus on the so-called tax optimization. That’s why they use the services of accounting offices, they have qualified accountants to manage costs in order to optimize their tax situation. Unfortunately, this tax optimization does not always go hand in hand with creditworthiness and this is basically the main thing that entrepreneurs point out when coming to me for a loan. – Well, I earn so much – they say. But that’s not entirely true – explains our expert.
What else will you learn from today’s conversation? Tomasz Półtorak revealed the biggest myth regarding a mortgage loan: whether we always have to have an own contribution, how many years it is best to take a loan, and what if we already have a loan and lose our job. Watch the new episode of “We Have Time”.
How much do you need to earn to live with dignity?
In the second part of the program, our reporter Klaudia Kolasa asked the inhabitants of Warsaw how much they need to earn to live with dignity. It turns out that the answers of our interlocutors differ from each other. Listen to the amounts involved in our video.
New episodes of “We have time” every Sunday at 10 on the Gazeta.pl home page
Source: Gazeta
Bruce is a talented author and journalist with a passion for entertainment . He currently works as a writer at the 247 News Agency, where he has established himself as a respected voice in the industry.
