Good day.
A change in credit terms can happen for various reasons, for example, the bank can change the interest rate, loan repayment period, collateral requirements, etc. If this situation has arisen, then you should take the following steps:
Familiarize yourself with the terms of the loan and the loan agreement you signed. Make sure that the bank has the right to change the terms and conditions and that the changes are in accordance with the law.
If the changes occurred without prior notification, contact the bank and ask why they occurred and why you were not notified in advance.
If the bank has notified you of the changes, make sure you understand all the terms. If something is not clear, ask the bank for additional information.
Consider your options and make sure that the changes do not exceed your ability to repay the loan.
If the changes have led to the fact that you will not be able to repay the loan on time, contact the bank with a request to revise the terms of the loan.
If the bank refused to revise the terms of lending, contact the court.
In each case, pay attention to the terms and procedures that are provided by the credit agreement and the law, and keep all the documentation to be able to prove your case.
Good day.
Companies and individuals who are not residents of Poland are taxed according to the same rules as residents of Poland. Legal entities that are engaged in activities in Poland or receive income must obtain a tax identification number (NIP) and register with the tax service. Among the main taxes in Poland, the value added tax (VAT) should be noted to a large extent.
Virtually all goods, works or services in Poland are subject to value added tax (VAT). Depending on the type of goods or services, the tax rates may differ:
The basic VAT rate is 23%, but a reduction to 22% is possible from next year, which is currently being considered by the Polish legislator.
The 8% rate applies to pharmaceutical and medical products, passenger transportation, temporary accommodation services and housing construction, among others.
The 5% rate applies to goods such as bread, meat, dairy products, books and periodicals.
There is also a zero VAT rate that applies to the purchase and delivery of goods from EU countries to Poland.
In order to become a VAT payer, it is necessary to submit an application to the tax service, which is a free procedure. There is also a procedure for obtaining the status of a VAT payer within the EU (VAT UE), which has a similar procedure.
Every month by the 25th, the taxpayer is obliged to submit a declaration on the amount of VAT. Payment of VAT for the current month is made by the 25th of the following month.
An important place is occupied by corporate income tax (CIT). The tax base is the positive difference between the company's income and expenses for the reporting period, and the tax rate is 19%.
The corporate income tax return (CIT) is submitted once a year at the end of the year. Advance payment of tax can be independently determined every month and paid.
It is important to remember personal income tax (PIT), which is mandatory for everyone who receives income in Poland (for wages based on labor or civil law contracts, as a result of individual entrepreneurial activities, etc.).
Important! Anyone who intends to do business in Poland must pay basic taxes, which include those mentioned above. In this context, it is very important to have the support of an accounting specialist to be sure that the tax returns and reports are correctly completed and submitted.
The agreement on meeting the requirements of the mortgage holder is a separate agreement from the mortgage agreement, which must be notarized. Also, the notarized consent of the spouse of the person to whom the property is mortgaged must be given for its conclusion, if the subject of these contracts is joint property.