Loan's Credit card For Foreigners in Poland

Loan's Credit card For Foreigners in Poland This page was created to answer questions. I am a bank employee and I help in obtaining a loan in Poland. I am not an intermediary.

04/04/2022

The place where I can set up an account in person and submit an application is Hanki Czaki 2, Warsaw. Near the Marymont metro station. Please advise about the vision because only I know English in my facility and no one will help me :)

04/04/2022

I have very high goals for the bonus, one loan in 10,000 does not save me. I believe that I am here for you, but let's also respect our time. Read the posts below, and I think you will find an answer, if not, write a private message. My services cost nothing extra, if I invite you to apply, it's free! :)

04/04/2022

I do not apply for credit cards alone! He applies for at least the smallest loan of PLN 1,000. This is my condition and more and more often other people managing my time :)

04/04/2022

The most important documents to start your application, please read this entire post!
Documents needed to apply for a loan!
1) Passport
2) Residence card
3) contract of employment / mandate at least after 6 payments and longer / minimum for a year
Additional documents
4) history from the account that is affected by the remuneration for at least one year
5) pit 2021/2020 (annual tax return)
6) employment certificate (how much do we work, where we work and on what basis we work (possibly about the wage rates))
7) certificate from the Social Insurance Institution (ZUS) about the subsidies for insurance (from which the amount of the social security remuneration was deducted)
Read all the posts and if you have a different question then write a private message. Let's respect our time.
Working in a bank does not always write back immediately! He also accepts regular customers, not only those from loans, please wait until I write back.
Please try to write between 9:00 am - 6:00 pm.
Please respect the lack of replies to the questions presented below.

04/04/2022

What is the loan procedure?
1) we set up an account (regardless of which outlet you need an account in PEKAO S.A. bank)
2) After setting up an account, I need all of the following documents (residence card, 6-month history passport and possibly other documents)
3) we make conclusions, which is not always related to obtaining a loan. Unfortunately, I have people at the headquarters who need more documents and they do not always agree with my point
4) decision and signing - live or online
In addition, I emphasize, despite the fulfillment of the following requirements, it will not always be possible, but you can try until the result - of course, if you also think that it is worth it!
My time is precious and I already work a bit with foreigners, I already know what will work and what will not.
Unfortunately, sometimes if there were debts in another country, it excludes a loan in nasś (Poland). There are various factors and bases that affect the opinion of people from the headquarters.

04/04/2022

Why do I need an account with your bank?
1) We set up an account to make it easier to apply whether it is online or live at the meeting.
2) The account is free of charge and costs nothing without a debit card.
3) I don't care about the sale of accounts, I don't have any points that make it easier for me to get a bonus.
4) If we fail this month, why not next month?
After creating an account, we can do it remotely. Documents can be sent to me by e-mail.
5) It is a big facilitation for two parties.

04/04/2022

When is it better not to bother me and you?
(It's a waste of time trying)
1) Short term of the employment contract / order and kt = different term of the residence card
2) If your average payout from the last 6 months is lower than the amount of PLN 1600 + monthly installment and the loan length exceeds, for example:
a) you earn 2300 and you can apply for a period of less than or equal to two years through the residence card, then the installment greater than PLN 700 for two years is too large - the following posts are also important.
3) you have only been working for 5 months or you only have 5 paychecks, I do not succeed!
4) when you have any installments and you exceed the above-mentioned ones, i.e. you have installments of 300 and you want a loan with an installment of PLN 300 and you already have 700, it will not be possible.

04/04/2022

What should be prepared to improve the credit process?
I present to you below the minimum that I need!
If all the conditions that you have described in the posts are met, it is best to prepare the above documents for the meeting. They are not always needed, but they are often!
1) Residence card
2) passport
3) History from the account on which you get the minimum payment, i.e. six months, maximum is a year (it is better to prepare the year)
4) PIT, i.e. tax return for the previous year, most often happens with a mandate contract, but it often also happens with a fairly short employment contract! It is better to have this document with you best in 2021, worst in 2020.
5) Certificate confirming the employment contract / mandate (certificate showing from when you are employed to when)
6) Obligatory and in most cases only on a contract, ordering a certificate from ZUSU, i.e. from the office of the social insurance institution - it can be done in the electronic pue platform, or physically picking up nothing, it does not cost anything!

04/04/2022

Residence Card - the basis for applying for a loan / credit card.
He often gets questions whether I can apply for a loan if I have a short expiry date for my residence card?
You can always apply if we have a valid residence card!
There are certain conditions! If you have only been working for a year or two and you have a residence card valid, for example, for two more months, then it's a waste of time. If this is another card and you work, for example, three years minimum, you can try sometimes it is successful.
Sometimes it happens that if you work in Poland for two years and you have a residence card for two years, you will get your first small loan for the duration of the residence card.
It can be different with the residence card, but the above-mentioned text works from experience.

04/04/2022

What earnings do I consider in general to enter the application and devote my time and your time, and what is the period of employment.
1) Best contract for work, worst order.
2) Since recently I often meet with refusals due to too short working time in Poland on the contract, I do not propose a minimum of 6 months, only one and a half years of work.
3) For safety reasons, it is also worth having a pit from last year, as it may be in 2021 if you haven't done it yet, then in 2020.
4) We can apply for a loan if you recently changed your job, but if you have a minimum of 6 payments.
5) I am not always successful and if there is a complicated professional case, please send me a private message with a description. It will save us time.

04/04/2022

Important information!
I am an employee of the bank that enters the applications. I do not make a decision to grant a loan. It rarely happens that a decision is made right away! It is not always successful despite good earnings or a long expiry date of the residence card!
Below are the most frequently asked questions.

Adres

Hanki Czaki 2
Żoliborz
01-588

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