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Month: December 2018

How to check if the testator had debts?

How to check if the testator had debts?

You find out that a loved one has left you in decline. However, you do not really know what comes into its composition. Usually, when we get a drop, we think that we will get a lot out of it. However, it can actually be the opposite – in the fall can be long. How can we check if the testator was in debt? In the legacy, we can get all kinds of debts. Most often these are debts related…

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The loan in fine: what advantages?

The loan in fine: what advantages?

The loan in fine allows you to realize tax savings if your wealth is important. The Lombard loan meanwhile, is either unknown to the public, is associated with tax evasion. Yet it is not limited to this use! This article explains how these two types of loans work, and how they are used. 1. What differences exist between the in-fine loan and the Lombard loan? What is a loan in fine? In a loan in fine , the borrower only…

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KRD and BIK – list of debtors

KRD and BIK – list of debtors

  When we do not repay our obligations in a timely manner or we stop regulating them at all, we are exposed not only to various types of penalties but also to entering into debtors’ lists. When we are on such a list, then our chances of getting any loans, credits or signing subscription contracts decrease. The most popular debtors’ databases operating in Poland are BIK and KRD. They operate independently of each other and do not exchange their data….

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Contract for specific work – when applicable?

Contract for specific work – when applicable?

Civil law contracts as contracts for specific work are commonly used in the labor market. This is due, among other things, to the much greater flexibility of such contracts in relation to contracts of employment, which is sometimes important for companies in certain industries. However, it is not always possible to apply the work contract legally. Contracts for specific work are contracts that are civil law contracts and also contracts classified as so-called result contracts. Such an agreement has a…

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How to check your scoring in BIK?

How to check your scoring in BIK?

  Checking information at BIK before applying for a loan allows you to avoid a situation in which you have a negative history at BIK and you will not be able to get a loan. Then, applying for a loan is a waste of time and you have to decide to use other financial products such as loans provided without checking the information in BIK. At the same time, checking the information in the BIK allows scoring the scoring.  …

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How to pay extra tax from PIT to the Tax Office?

How to pay extra tax from PIT to the Tax Office?

It is not uncommon for a taxpayer to pay an extra tax when settling a PIT. How should we pay so that the money reaches our Tax Office on time? The tax payment appears first of all when it was paid in premiums at too low a tax rate. For example, contributions paid by the employer were slightly lower due to rounding. Of course, we will also pay the tax when we get to a higher tax threshold. Either way,…

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