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Proof of income

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hyponamiru.cz / Glossaries / Proof of income

Proof of income is an important part of assessing your creditworthiness and ability to repay the loan. In addition to income, expenses (rent, payments on existing loans and leases, insurance premiums, etc.) are also important to your creditworthiness.

How to prove income?

You will need proof of income from most companies providing bank and non-bank loans, whether you need it to apply for a mortgage, a consumer loan or to lease a car. Proof of income is a key part of assessing your creditworthiness.

You can prove your income in various ways

There are three ways of proving income, the most common being confirmation of income from an employer, followed by proof of income through a tax return and a bank statement.

  • The employer’s income certificate shows the employee’s name, address, job title and average net monthly income. It is issued by your employer to confirm the amount of wages they pay you.
  • The proof of monthly income by means of a tax return is associated with entrepreneurs who must ask the tax office to issue a certified copy of the tax return.
  • Is a bank statement sufficient? Prepare statements for the last few months.
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Frequently asked questions

With which Czech banks do you have the best experience?

The most client-oriented bank is certainly Hypoteční banka with their speed of request processing, the service quality, the range of checking accounts they offer, and the interface called “Mortgage Zone”. Other such banks include Komerční banka, Moneta and Raiffeisenbank.

Do you deal with new mortgages as well as refinancing?

Yes, we deal with both new mortgages as well as refinancing of the existing home mortgage loans. Our specialists will find a solution for you in either case – a solution you can afford.

How long does it take to arrange a mortgage?

A mortgage can be arranged within a month or three. The whole process usually takes around two months. The reason behind it is mostly the approval process on the side of the banks. However, there’re plenty of possibilities to speed up the mortgage application and we know them. Check it out for yourself.

Can a mortgage be really arranged online?

Yes, it can. Thanks to the latest technology we’re using, you really don’t need to go to the bank to arrange a mortgage. Check it out for yourself.

We facilitate consumer credit as a tied agent registered by CNB under company ID number 05736501. We are also registered as an independent consumer credit broker of commercial company Broker Trust, a.s., company ID number: 26439719.

@ 2023 The company Hypo na míru s.r.o. is registered at the Municipal Court in Prague, file number C 269834, company ID number: 05736501.