[{"data":1,"prerenderedAt":281},["ShallowReactive",2],{"content-page:en:topics\u002Fproof-of-income":3,"optimized-image:{\"src\":\"\u002Fimages\u002Flegacy\u002Fmaxda\u002Fthemen\u002Feinkommensnahweis\u002F02_nachweis-fuer-gruppen.png\",\"preset\":\"default\",\"widths\":[640,768,896,1024,1280,1536,1792,2048],\"formats\":[\"webp\"],\"quality\":75,\"fit\":\"cover\"}":229,"optimized-image:{\"src\":\"\u002Fimages\u002Flegacy\u002Fmaxda\u002Fthemen\u002Feinkommensnahweis\u002F04_fuer-selbststaendige_50p_links.png\",\"preset\":\"default\",\"widths\":[640,768,896,1024,1280,1536,1792,2048],\"formats\":[\"webp\"],\"quality\":75,\"fit\":\"cover\"}":242,"optimized-image:{\"src\":\"\u002Fimages\u002Flegacy\u002Fmaxda\u002Fthemen\u002Feinkommensnahweis\u002F05_anwendungsbereiche_30p_rechts.png\",\"preset\":\"default\",\"widths\":[640,768,896,1024,1280,1536,1792,2048],\"formats\":[\"webp\"],\"quality\":75,\"fit\":\"cover\"}":253,"optimized-image:{\"src\":\"\u002Fimages\u002Flegacy\u002Fmaxda\u002Fthemen\u002Feinkommensnahweis\u002F06_sofortkredit-mit-ein-nachweis_50p_links.png\",\"preset\":\"default\",\"widths\":[640,768,896,1024,1280,1536,1792,2048],\"formats\":[\"webp\"],\"quality\":75,\"fit\":\"cover\"}":263,"optimized-image:{\"src\":\"\u002Fimages\u002Flegacy\u002Fmaxda\u002Fthemen\u002Feinkommensnahweis\u002F07_fazit.png\",\"preset\":\"default\",\"widths\":[640,768,896,1024,1280,1536,1792,2048],\"formats\":[\"webp\"],\"quality\":75,\"fit\":\"cover\"}":272},{"page":4,"alternates":224},{"id":5,"title":6,"asideNav":7,"backLink":26,"body":29,"description":208,"extension":90,"hero":209,"hidePageHeader":212,"locale":213,"meta":214,"navigation":212,"pageKind":215,"path":216,"seo":217,"seoDescription":218,"seoTitle":219,"slug":220,"stem":221,"translationKey":222,"__hash__":223},"pages\u002Fpages\u002Fen\u002Ftopics\u002Fproof-of-income.md","Proof of Income",[8,11,14,17,20,23],{"href":9,"label":10},"#Einkommensnachweis-Personengruppen","Proofs of income for different applicant groups",{"href":12,"label":13},"#Einkommensnachweis-Selbstst-ndige","Proofs of income for the self-employed",{"href":15,"label":16},"#Funktion-Einkommensnachweis","What is the purpose of a proof of income?",{"href":18,"label":19},"#Anwendungsbereiche-Einkommensnachweis","Examples of use cases",{"href":21,"label":22},"#Sofortkredite-mit-nur-einem-Einkommensnachweis","Instant loans with only one proof of income",{"href":24,"label":25},"#Fazit-Kredite-von-Maxda","Conclusion: Loans from MAXDA",{"href":27,"label":28},"\u002Fen\u002Ftopics","back",{"type":30,"value":31,"toc":195},"minimark",[32,36,40,50,53,56,64,71,74,77,80,86,92,107,114,117,123,129,132,135,140,146,150,162,172,175,184],[33,34],"h2",{"id":35},"",[33,37,39],{"id":38},"general-information-about-proof-of-income","General information about proof of income",[41,42,43,44,49],"p",{},"Whether you need to finance a home furnishing, ",[45,46,48],"a",{"href":47},"\u002Fen\u002Ftopics\u002Fcar-without-schufa","a car",", a house or a business investment: proof of income is always required.",[41,51,52],{},"This document evidences the applicant’s and borrower’s monthly or yearly earnings. Depending on the loan amount and the applicant’s status, proof of income can take different forms. The procedure and the scope of documents to be submitted depend on whether the applicant is an employee or self-employed. The latter must substantiate their income far more comprehensively.",[41,54,55],{},"The proof of income or earnings statement primarily serves to assess the creditworthiness of individuals: private persons and the self-employed. MAXDA customers benefit from a straightforward process. We only need a copy of your most recent payroll statement instead of the usually required last three payslips.",[57,58],"content-image",{"align":59,"alt":60,"size":61,"src":62,"provider":63},"center","Proof of income by applicant group","lg","\u002Fimages\u002Flegacy\u002Fmaxda\u002Fthemen\u002Feinkommensnahweis\u002F02_nachweis-fuer-gruppen.png","none",[33,65,67,10],{"id":66},"proofs-of-income-for-different-applicant-groups",[68,69],"span",{"id":70},"Einkommensnachweis-Personengruppen",[41,72,73],{},"Generally, proof of income can be divided into three categories: proof for employees, workers or civil servants; proof for the self-employed; and proof for other types of income. Employees usually receive a monthly payslip. In the case of a loan application, the lender is typically provided with the last three payslips as proof of income.",[41,75,76],{},"Alternatively, the employment contract can be submitted. However, you should bear in mind that this makes all contract details visible to the lender. It may therefore be worth considering whether an earnings statement from the employer is the better option. The employer will then need to be informed why this proof of income is required.",[41,78,79],{},"Another option is to provide the last three bank statements showing the regular salary or wage deposits. This is the most discreet way to prove income. To avoid disclosing all account transactions, irrelevant credits or debits can be redacted.",[33,81,83,13],{"id":82},"proofs-of-income-for-the-self-employed",[68,84],{"id":85},"Einkommensnachweis-Selbstst-ndige",[57,87],{"align":88,"alt":89,"size":90,"src":91,"provider":63},"left","Proof of income for the self-employed","md","\u002Fimages\u002Flegacy\u002Fmaxda\u002Fthemen\u002Feinkommensnahweis\u002F04_fuer-selbststaendige_50p_links.png",[41,93,94,95,98,99,101,102,106],{},"Unlike salaried employees, the self-employed must provide much more comprehensive proof of their income. This includes annual financial statements and income tax assessments for the last two years as well as a current business management report (BWA). In individual cases, annual financial statements and tax assessments (income tax assessments) for the last three to four years may even be requested.",[96,97],"br",{},"\nA written statement from the tax advisor can also be requested. Because the advisor is liable for the accuracy of the information, their assessment carries significant weight. In addition to income from employed or self-employed activities, income from rentals, securities portfolios or pensions also counts toward loan security.",[96,100],{},"\nRental income is evidenced by the respective lease agreement. Securities portfolios are documented by securities account statements issued by the portfolio manager. Pensions—like a fixed salary—are paid monthly and are likewise evidenced by a monthly proof of income (pension notice). Regardless of the type of income, a proof of income confirms to the lender your ability to pay. It signals that you can repay the requested loan. You can find more information about ",[45,103,105],{"href":104},"\u002Fen\u002Ftopics\u002Floan-for-self-employed","loans for the self-employed here",". ",[108,109,111,16],"h3",{"id":110},"what-is-the-purpose-of-a-proof-of-income",[68,112],{"id":113},"Funktion-Einkommensnachweis",[41,115,116],{},"The proof of income or earnings statement primarily serves to assess the creditworthiness of individuals: private persons and the self-employed. It is required for loan applications or account openings and is often requested by authorities. A proof of income helps the loan advisor gain an overview of a customer’s financial capacity. Without proof of income, applying for a loan is very difficult, and often impossible. The proof of income forms the basis for the lender’s assessment of whether the applicant is likely to be able to repay the loan under normal circumstances.",[108,118,120,19],{"id":119},"examples-of-use-cases",[68,121],{"id":122},"Anwendungsbereiche-Einkommensnachweis",[57,124],{"align":125,"alt":126,"size":127,"src":128},"right","Proof of income examples of use","sm","\u002Fimages\u002Flegacy\u002Fmaxda\u002Fthemen\u002Feinkommensnahweis\u002F05_anwendungsbereiche_30p_rechts.png",[41,130,131],{},"This applies, for example, when renting or buying apartments and houses, leasing or financing cars, and making purchases in retail—whether in a physical store, an online shop, or via teleshopping.",[41,133,134],{},"Those who want to open an account are also generally asked to provide proof of income. The institution attempts to obtain an initial impression of the new customer’s financial situation in order to offer a tailored solution. If an overdraft facility is to be set up at the same time as the account opening, the last three proofs of income must be submitted. Authorities may request a proof of income when determining amounts for maintenance payments. The proof of income then provides information on the amount of regularly payable payments.",[41,136,137,139],{},[96,138],{},"\nIf a self-employed person wants to finance a required investment, they must have been operating their business or self-employed activity for at least two years. Lenders usually regard this period as sufficient to assess whether the new business idea has proven viable. Because self-employed people—unlike salaried employees—do not necessarily receive a regular monthly wage and must generate their own revenue, their income situation is generally considered riskier than that of workers, employees, and civil servants. In these cases, proof of income that leads to the desired loan is almost always only possible after the first two years have passed.",[108,141,143,22],{"id":142},"instant-loans-with-only-one-proof-of-income",[68,144],{"id":145},"Sofortkredite-mit-nur-einem-Einkommensnachweis",[57,147],{"align":88,"alt":148,"size":90,"src":149,"provider":63},"Instant loan with only one proof of income","\u002Fimages\u002Flegacy\u002Fmaxda\u002Fthemen\u002Feinkommensnahweis\u002F06_sofortkredit-mit-ein-nachweis_50p_links.png",[41,151,152,153,157,158,161],{},"Unlike the common practice in many cases, ",[154,155,156],"strong",{},"MAXDA offers a range of simplifications"," so that you can access your instant loan easily and quickly. These include - a ",[154,159,160],{},"convenient loan request form"," that is available online around the clock, - fast processing through short electronic channels, and - premium terms that we obtain from our partners abroad and that you benefit from.",[41,163,164,165,168,169,171],{},"Thus, ",[154,166,167],{},"we only need a copy of your most recent payslip instead of the usually required last three payslips"," (payslips).",[96,170],{},"\nIf you receive a pension, a copy of your pension notice is sufficient. Benefit from one of Germany’s largest independent financial service providers with contacts to leading German and European banks. Use our expertise in arranging general-purpose loans.",[57,173],{"align":59,"alt":22,"size":61,"src":174,"provider":63},"\u002Fimages\u002Flegacy\u002Fmaxda\u002Fthemen\u002Feinkommensnahweis\u002F07_fazit.png",[33,176,178,180,183],{"id":177},"loans-from-maxda-fair-affordable",[96,179],{},[68,181],{"id":182},"Fazit-Kredite-von-Maxda","Loans from MAXDA - fair & affordable",[41,185,186,187,191,192,194],{},"Our portfolio ranges from ",[45,188,190],{"href":189},"\u002Fen\u002Finstallment-loan","installment loans"," to mortgage loans to civil servant loans within a financial range of EUR 3,000 to EUR 250,000. If you are looking for a loan without a Schufa entry, our courteous team will be happy to advise you. You can always expect the highest quality of advice from us. We take your wishes seriously and also help with seemingly unsolvable issues, such as loans without proof of income. MAXDA offers products exclusively for private customers. This allows us to tailor our offerings precisely to your needs. This way you gain advantages through attractive terms on all our products and services.",[96,193],{},"\nTime is not an obstacle for us either. If things need to be done quickly, we ensure immediate 100-percent disbursement of your loan. We are available by phone or e-mail. We are happy to demonstrate how we can help you achieve financial independence with minimal bureaucracy. If you have questions about proof of income or other areas of loan processing, we look forward to speaking with you.",{"title":35,"searchDepth":196,"depth":196,"links":197},2,[198,199,200,201,207],{"id":35,"depth":196,"text":35},{"id":38,"depth":196,"text":39},{"id":66,"depth":196,"text":10},{"id":82,"depth":196,"text":13,"children":202},[203,205,206],{"id":110,"depth":204,"text":16},3,{"id":119,"depth":204,"text":19},{"id":142,"depth":204,"text":22},{"id":177,"depth":196,"text":183},"Why it is required and how to prove your income",{"ctaHref":210,"ctaLabel":211,"image":35,"lead":208,"title":6},"\u002Fanfrage","Apply now for your desired loan",true,"en",{},"legacy-topic","\u002Fpages\u002Fen\u002Ftopics\u002Fproof-of-income",{"title":6,"description":208},"Proof of income ► Why & how to prove your income ✓ Proof for self-employed ✓ At MAXDA: only the most recent proof of income required! 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