![Trapped after the Polish Lada. A dozen or so thousand of income per month, and the bank: zero creditworthiness! How it’s possible? [4.03.2022]](https://d-art.ppstatic.pl/kadry/k/r/1/36/39/621c9b25c72fc_o_original.jpg "Trapped after the Polish Lada. A dozen or so thousand of income per month, and the bank: zero creditworthiness! How it’s possible? [4.03.2022]")
A well-earning IT specialist – well enough to buy a decent house, instead of a loan of several hundred thousand, he sent a message from the bank: “creditworthiness is PLN 0”. How it’s possible? It was enough to change the taxation of the activity from PIT to a lump sum on recorded revenues, which the entrepreneur decided to use in order not to pay the premium for health insurance in the horrendous amount.
The change in the method of determining the amount of the health insurance contribution for self-employed persons introduced by the provisions of the so-called Tax New Deal particularly hard hit people taxed according to the scale of the tax table and using the so-called flat tax (a flat tax of 19%), especially those with high incomes.
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A large group of these people who run their own business on the basis of self-employment, earn income in industries where the costs are not high – for these people, the rescue from unfavorable changes is the possibility of converting taxation under general rules into a lump sum on recorded income, for which it is the group of taxpayers, the amount of the health insurance premium after the changes is relatively the least severe.
Such an industry is, for example, IT. IT specialists usually earn high income because they issue invoices for large amounts, but they have low costs. Many of them used a flat tax to escape from the higher threshold of the table. Experts calculated that in their case, the new rules of the health contribution would even double the current burden of public levies – and they were advised to escape on a lump sum.
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Few, however, noticed the “side effects” of being a flat-rate. This group of taxpayers has “always” been uphill 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.
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This problem was encountered by Mr.Michał – an IT specialist with a monthly gross income of PLN 15,000. He described his adventures in a letter to the Money.pl portal. He wanted to take mortgage to buy a house. In line with the current trend – he went to the broker, because there is full knowledge of financial products available on the market. To his and his wife’s surprise, he learned that currently no one gives loans to people on a lump sum.
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It will be a big problem. In Mr. Michał’s company, several people have switched to a lump sum together with the Polish Tax Order.
It is not only IT specialists who are looking for rescue from the unfavorable provisions of the Polish Order in the lump sum. The self-employed are full of people who do not have high costs – especially service providers. Of course, despite the widening of the group of people entitled to a lump sum on recorded revenues, not all service providers can use it, and official data on changes in the taxation method will have to wait, but judging by the interest in the lump sum, tens of thousands (if not hundreds of thousands) of entrepreneurs decided to make such a change.
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Banks’ policy regarding the rules for determining creditworthiness has changed due to the coronavirus pandemic. Previously, many of them granted lump sum loans, albeit more severely than others – especially from employees – assessing their creditworthiness and offering lower loan amounts.
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