[{"data":1,"prerenderedAt":281},["ShallowReactive",2],{"content-page:en:topics\u002Fproof-of-regular-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-regular-income.md","Proof of Income",[8,11,14,17,20,23],{"href":9,"label":10},"#Einkommensnachweis-Personengruppen","Proofs of income for different 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-on-proof-of-income","General information on proof of income",[41,42,43,44,49],"p",{},"Whether you need to finance furnishings for an apartment, ",[45,46,48],"a",{"href":47},"\u002Fen\u002Ftopics\u002Fcar-without-schufa","a car",", a house or a business investment: a proof of income is always required.",[41,51,52],{},"This document documents the applicant's and borrower's monthly or annual earnings. Depending on the loan amount and the borrower's status, the proof of income looks different. 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 much more comprehensively.",[41,54,55],{},"The proof of income or earnings statement primarily serves to assess the creditworthiness of people: private individuals and the self-employed. MAXDA customers have it easy here. We only need a copy of the most recent pay slip from you instead of the usual three last payslips.",[57,58],"content-image",{"align":59,"alt":60,"size":61,"src":62,"provider":63},"center","Proof of income depending on the group of persons","lg","\u002Fimages\u002Flegacy\u002Fmaxda\u002Fthemen\u002Feinkommensnahweis\u002F02_nachweis-fuer-gruppen.png","none",[33,65,67,10],{"id":66},"proofs-of-income-for-different-groups",[68,69],"span",{"id":70},"Einkommensnachweis-Personengruppen",[41,72,73],{},"Fundamentally, 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 pay slip. In the case of a loan application, the lender is typically provided with the last three pay slips as proof of income.",[41,75,76],{},"Alternatively, the employment contract can be presented. However, bear in mind that the lender will then know all contract details. It may therefore be worth considering whether an earnings statement from the employer is the better option. However, the employer must then be informed why this proof of income is necessary.",[41,78,79],{},"Another option is to submit the last three bank statements showing the regular salary or wage payments. This is the most discreet way to prove income. To avoid disclosing all account transactions, non-relevant credits or debits can be blacked out.",[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 more comprehensive proof of their earnings (proof of income). These include 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 can also be requested from the tax advisor. Since they are liable for the accuracy of the information, their assessment carries great weight. In addition to classical income from employed or self-employed work, income from rentals, securities portfolios or pensions also count toward loan collateral.",[96,100],{},"\nRental income is evidenced by the respective lease agreement. Securities portfolios are documented by account statements issued by the securities manager. Pensions — like a fixed salary — are paid monthly and are likewise documented 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 perform financially. You signal that you can repay the required loan. For more information about ",[45,103,105],{"href":104},"\u002Fen\u002Ftopics\u002Floan-for-self-employed","loans for the self-employed, click 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 people: private individuals and the self-employed. It is required for loan applications or account openings and is often also requested by authorities. A proof of income helps the loan advisor to gain an overview of a customer's financial capacity. Without a proof of income, applying for a loan is very difficult, often even impossible. The proof of income forms the basis for the lender's assessment of whether the applicant, under normal circumstances, is able to repay the loan amount.",[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 use case examples","sm","\u002Fimages\u002Flegacy\u002Fmaxda\u002Fthemen\u002Feinkommensnahweis\u002F05_anwendungsbereiche_30p_rechts.png",[41,130,131],{},"This applies, for example, to renting or buying apartments and houses, leasing or financing cars, and shopping in retail, whether in a physical or virtual store or with a teleshopping company.",[41,133,134],{},"Anyone who wants to open an account will usually also be asked to provide proof of income. The institution tries to gain 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 proof of income when determining amounts for maintenance payments. The proof of income provides information about the amount of regular payments to be made.",[41,136,137,139],{},[96,138],{},"\nIf a self-employed person wants to finance a potential investment need, they must have been operating their business or self-employed activity for at least two years. Lenders generally consider this period sufficient to assess whether the new business idea has proven itself. Because self-employed people — unlike salaried employees — are not necessarily paid regularly every month and must generate their own turnover, their income situation carries more risk than that of workers, employees and civil servants. A proof of income that leads to the desired loan is therefore almost always only possible after the first two years.",[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 what is often customary, ",[154,155,156],"strong",{},"MAXDA offers a number of conveniences"," so that you can access your instant loan easily and quickly. These include — a ",[154,159,160],{},"convenient loan application form"," that is available online around the clock, — fast processing through short electronic channels, and — premium conditions that we obtain from our partners abroad and from which you benefit.",[41,163,164,165,168,169,171],{},"Thus, ",[154,166,167],{},"we only require a copy of your most recent pay slip instead of the usually required three most recent pay slips"," (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 brokering 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 and civil servant loans in a financial scope from 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. With us you can always expect the highest quality of advice. We take your wishes seriously and also help with seemingly unsolvable questions, such as loans without proof of income. MAXDA offers products exclusively for private customers. This enables us to tailor our offer precisely to your needs. This way you gain advantages through attractive conditions for all our products and services.",[96,193],{},"\nTime is no obstacle for us either. If things need to move quickly, we ensure immediate 100 percent payout of your loan. We are available by phone or e-mail. We will gladly demonstrate how we can help you achieve financial independence in an unbureaucratic way. If you have any 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 for your desired loan now",true,"en",{},"legacy-topic","\u002Fpages\u002Fen\u002Ftopics\u002Fproof-of-regular-income",{"title":6,"description":208},"Proof of income ► Why & how to prove your income ✓ Proof for the self-employed ✓ At MAXDA: only the most recent proof of income required! 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