Don't Do This Without Consulting an Expert!

If you intend to apply for a loan or your application is being processed: Don't do this without consulting an Expert!

Before you make any financial, professional, or life decision – consult with us. Often a small detail that is not visible at first glance can affect your situation at the bank. We are here to make sure you go through the whole process calmly and safely.

1. Don't change your job or form of employment – This is the most common reason for problems. Even moving to better financial terms is a change in stability for the bank. Always consult with us about the date of signing a new contract.

2. Don't take out new loans, installments, or credit cards – Every new installment changes your financial capacity, which the bank has already accepted once. This is a critical point for the analyst.

3. Watch out for deferred payments (e.g., PayPo, Allegro Pay) – Banks see these limits as active loans in BIK. Hold off on such purchases until you receive the keys.

4. Avoid transfers to bookmakers and crypto exchanges – Banks analyze the history of statements for behavioral risk. It's worth ensuring that the history of operations is transparent.

5. Don't go on unpaid leave or sick leave (L4) – Your income must be paid into the account in full. Any break suggests a lack of financial continuity to the bank.

6. Don't close bank accounts – The accounts from which you provided statements for analysis must remain active. The bank may want to check them again before the payout itself.

7. Avoid large, unusual transfers – Sudden inflows or high cash withdrawals raise suspicions and may require written statements about the source of the funds.

8. Don't make inquiries in many banks on your own – Too many inquiries in BIK in a short period drastically lowers your credit score.

9. Don't change your ID card just like that – Replacing a document during the process can block further processing or loan payout. If you must do it, inform us first.

10. Don't change your marital status – Marriage or divorce changes your legal situation and the composition of your household, which often forces an update of the entire application.

11. Prepare a slightly larger budget – Remember that at the final credit decision, it may turn out that you will need slightly more cash than you initially assumed. It's worth preparing such a reserve in advance.

12. Let's stay in touch – we must be in touch; if there is any change on your side, inform us immediately, but also be available by phone; sometimes we have to answer questions asked by the analyst and do it efficiently so as not to prolong the process.

GOLDEN RULE: Before you take any steps – call Our Expert!