On the one hand, banks are trusted and reliable financial institutions, and on the other, the way they operate is a cause of criticism on the part of many people. There is no denying that making any commitment involves a huge amount of formalities. It is necessary to provide all sorts of certificates, statements and statements that are designed to allow the bank to assess the creditworthiness of the potential borrower.
This not only leads to the rejection of many applications of people whose creditworthiness has proved too low, but extends the waiting time for everyone, even those who will ultimately be eligible for a loan. Banks are aware of this problem and are still trying to at least partially reduce the number of formalities associated with taking loans.
Taking out a PIT loan – what is it about?
A PIT loan is a type of loan that does not differ much from a traditional cash loan. You can also come across consolidation loans at PIT. What is most important in them is the maximum shortening and streamlining of the loan application procedure. Instead of organizing income declarations or not being in arrears with ZUS, you only need to take our tax declaration to the bank for the previous year. Due to the fact that data from a tax declaration may become outdated relatively quickly, a PIT loan is usually a limited time offer. You can apply for it usually until the end of June or the beginning of May.
Not every bank offers it, and the rules for granting it can vary widely in different branches. Sometimes loans for PIT can be granted on worse terms – it will only be possible to take a loan for a smaller amount or a shorter loan period than in the case of a traditional loan. In theory, the only thing we should need to receive a loan is our PIT and ID card, but it may turn out that we will still be asked for additional documents. In addition, simplifying the formalities does not mean that our credit history will not be checked at the Credit Information Bureau. Of course, it will be verified anyway, however, often it is not necessary to wait long for a PIT loan decision – sometimes the waiting period can be as little as one day.
Can I take a PIT loan?
A PIT loan with the help of advisers. Repayment of loans is possible. A lot of loan companies offer loans without any formalities, all you need is an income statement. However, for larger amounts, it may also be necessary to provide some type of documentation – that’s when PIT may be useful. For maximum convenience, many non-bank institutions launch such a service as a PIT loan via the Internet.
So we do not even have to leave the house, and in a few minutes we will be able to fill out all the necessary forms and enjoy the money perhaps even on the same day. What is very important, loan companies offer PIT loans without BIK – so it is a solution especially for people who, due to a bad credit history, cannot count on getting a loan from a bank.
Is it worth taking loans and credits at PIT?
More and more often now it turns out that a PIT loan is only a marketing ploy, and in fact it is neither profitable nor reduces the number of formalities. However, it cannot be denied that PIT loans without BIK are a convenient option for people who need a large amount of cash, but negative entries in their credit history prevent them from taking a loan from the bank. Also for many, an online PIT loan can be attractive because it is extremely fast and convenient. However, before we make any decision, it is worth calculating whether such a PIT credit or loan really pays off.
During the period of completing tax returns , PIT loans without BIK will certainly be seen more than once in the marketing materials of banks. Certainly, it is an interesting solution for those who are very keen to borrow a large sum and cannot boast of a good credit history. On the other hand, a PIT bank loan can potentially save a lot of nerves associated with obtaining the usually required certificates.