What personal data do I have to provide to the Bank to apply for a loan?

Information We Ask for During the Application:

At this stage, we ask you to provide basic data that allows us to understand your financial situation.

1. Your Personal and Financial Situation (Providing this information is essential for a reliable assessment of your ability to repay the loan.):

- Housing status (e.g., owned, rented)

- Marital status 

- Average net monthly income (including benefits, e.g., 800+)

- Average monthly expenses

- Your current liabilities (e.g., installments for other loans, credit card limits)

2. Your Source of Income: The type of income confirmation required depends on its source. The main forms we accept are:

- Employment contract (fixed-term or permanent)

- Business activity / Self-employment

- Pension or disability benefits

- Mariner's contract

- Civil law contracts (contract for services / specific task contract)

- Income from agriculture

- Other documented sources

3. Verification in External Databases

As a financial institution operating in Poland, we are legally obligated to verify your credit history and payment reliability in external databases. This is a standard and legally required part of the process.

The databases we check include, among others:

- BIK: Here, we verify your repayment history for past and present loans and credits.

- BIG: We check for any overdue payments on other liabilities (e.g., phone or utility bills) in databases such as KRD or InfoMonitor.

- PESEL Number Reservation Register: In accordance with the new law, we check if your PESEL number is reserved, which protects you from fraud.

- Polish Bank Association Systems: We verify, among other things, the database of reserved documents.

- Public registers (for businesses): CEIDG, KRS, REGON in the case of individuals conducting business activity.

- Internal banking systems: We check our internal history of cooperation with you and use anti-fraud systems to ensure security.