• 11/08/2022
• By wizewebsite
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Flat tax and mortgage.Without a tax return it will be harderMoney.cz<

The lump sum can make small trades and other entrepreneurs easier for the administration.But if they go for a loan, typically a mortgage can complicate the situation.

Entrepreneurs commonly illustrate their income in the bank by tax return for the previous year or two.However, self -employed persons applying flat tax will not file a return and will have to prove their income differently.Most often extracts from bank accounts and tax records, of which banks will get an idea of the annual sales of the applicant.But it will also come in handy the last filed confession.

“In 2022, we will require a tax return for 2020 to know that the turnover declared by the client in 2021 roughly corresponds to what the client earned in 2020.Furthermore, an overview of tax records and account statements with business payments in the last six months to compare whether they correspond to documented tax records, ”says Filip Hrubý, spokesman of Česká spořitelna.And adds that the documented turnover thus the bank will shorten the sector coefficient that set out.

In the first half of 2022, Komerční banka will be based primarily on the tax return for 2020.As it will approach the matter in the second half of the year, it analyzes so far.“Our goal is to set up such processes to be able to accept revenue by default.However, it cannot be ruled out that in individual cases it will not be possible to accept the intake of clients with a flat tax by default, ”says spokesman Michal Teubner.

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UniCredit Bank spokesman Petr Plocek warns that if a loan applicant does not keep records or fails to bank statement of financial transactions from a business account, the bank will not be able to assess its creditworthiness and thus to provide a mortgage.UniCredit Bank will also require proof of flat -rate payments.

There may also be limits for entrepreneurs with a flat -rate tax."It can be assumed that banks for flat -rateists set some maximum installments and total credit load," says ČSOB spokesman Patrik Madle.

Moneta Money Bank states that it will have easier people who have their main account in this bank.“For such entrepreneurs we see how they rise or decrease sales and what expenditure they have.This method is significantly more accurate for us, and even more up -to -date than a tax return that does not have to testify about how our client is currently, ”says spokeswoman Zuzana Filipová.Similarly, all banks progress."For existing clients in flat -rate tax regime - who lead payment in our bank - we have prepared credit limits that do not require other administration by the client," says Madle of ČSOB.

You will not get more accurate answers from banks yet, on the details in many ways are just working.“We do not see an obstacle in the fact that someone will pay tax in a flat -rate manner and therefore we will continue to provide our products to these applicants.We solve the exact form, but we assume that we will deal with such requests individually with each client, ”says Jakub Heřmánek, spokesman of Fio banka."We are currently preparing modifications to the current methodology so that we can assess these mortgage applicants or loan on the basis of their net income, not on the basis of a tax return," says Roman Macháček on behalf of Air Bank.

According to Tomas Rusňák's mortgage specialty, banks will count on a flat tax in people with a revenue from a turnover that shortens for caution.This is not good news for credit applicants.

“Banks usually accept around 20 % of turnover.Self -employed with a flat -rate tax have income up to a million per year, so their annual income is a maximum of 200 thousand crowns - that is terribly little.If the banks do not set the model in any way and do not increase the percentage of the share, it will be very disadvantageous for self -employed tax, ”says Rusňák.

So when you are considering a flat tax and at the same time you know that you want to take a loan in the coming months or years, you should consider whether a lump tax is not put for a period of time when you have a loan agreed.

What should entrepreneurs who have already applied for a flat tax, but now they are interested in a mortgage?“A co -appointment will also help, but the main recording of income is.The revenues obtained by the side, the banks do not accept, ”recommends Rusňák.

Entrepreneurs, non -payers of VAT with income up to one million crowns per year, could apply for a flat tax for the first time for 2021.The news has been used by more than 70,000 people.Now, up to 10.January 2022, can be reported to those interested in a flat -rate tax who want to start with it from the beginning of next year.The flat tax generally pays off to those who have higher incomes and do not apply more tax discounts.We have recently released a more detailed tutorial with the calculator.

Thanks to the flat tax institute, the entrepreneur does not have to file a tax return or an overview of income and expenditure on the health insurance company and social worker.At the same time, the state pays only one payment (for 2021 it is CZK 5469, in 2022 it will be CZK 5994), which includes income tax and social and health insurance contributions.

What is convenient for you?Calculate on a flat rate calculator for 2022:

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Kateřina Jungvirtová

She graduated from a business business and worked as a copywriter after school.He has been working with Nextpage Media since 2021.When he doesn't write, he sits at the piano, reads a good book, is on a walk with a dog or on the road.The other articles of the author.

Jiří Hovorka

He has been writing about personal finances since 2009.He started in the purse, then devoted with the same topics in the currently.cz, after merging with Economia publishing house, his texts also appeared in Hospodářské noviny.Long -term dedicated to pensions,...The other articles of the author.