Currently, getting a loan is not a major problem. We can receive it even without the need to present special certificates from the employer, which inform about our income. When it comes to smaller sums of loans both in banks and loan companies, it is enough to fill in a special statement. However, we must give the truth in it – if we do not do it, we face criminal liability.
The basic difference between the certificate and the statement is that we fill out the declaration ourselves, and the certificate is issued by the employer. Therefore, the statement is definitely more convenient – we do not have to go to the employer to get a document. However, we must be aware that then we are responsible for the truthfulness of the information contained in the statement.
We can meet with statements often when we want to get a loan online. Then we fill them in together with the loan application. We can also submit statements when we choose a loan at the outlet.
What is the statement when applying for a loan?
Most often, the statement does not constitute any separate document, but a few additional headings that we must complete. The statement includes, among others, the monthly amount of earnings we earn, the expenses we regularly incur, for example, for the maintenance of the home, other installments in banks and loan companies, alimony.
We also need to indicate the source of our income by entering, for example, the name of the company we work for, its NIP and REGON number, as well as specifying the form of cooperation – contract of employment, contract for work, contract of mandate and others. Therefore, it is a full range of data on our income.
How exactly are the statements verified?
Banks and loan companies that require statements from their clients do not always check the information they contain. When you want to get a smaller loan , for example, amounting to less than PLN 5,000, then institutions usually deviate from a thorough check of our income statement.
Then usually checking the statement is to investigate whether the particular company for which we work really exists. However, when it comes to higher amounts, the most common verification is also making a phone call to the company that was indicated in the statement.
What if we lie in a statement?
It is possible that the customer in the statement will enter false data, for example data of the company in which he is not employed, or significantly inflate his income. Then we must remember that providing false information may involve certain legal consequences.
When we give the data of the employer for whom we do not work, we can then be charged with extorting the loan by providing false data, which is punishable by imprisonment for 3 months to 5 years. We can also be fined. Therefore, it is best not to give false data in the statements, because we can get into big trouble.