Renovation loan

A loan may be applied for by Polish citizens who have a valid ID card, telephone number, e-mail address and bank account. The condition for granting the loan is a positive assessment of the borrower's creditworthiness. For this purpose, we must, inter alia, determine and evaluate what your primary source of income is, how stable this income is over time and how much it is. Therefore, we can ask you at the stage of applying for a loan to provide us with documents confirming your income.

Income documentation requirements for the acceptable sources below

Employment contract for an indefinite / definite period; Contract; Contract of mandate / Contract for specific work:

Confirmation of the last 3 receipts of remuneration to the bank account in pdf format, generated directly from electronic banking

Retirement / Pension:

Confirmation of the Retirement/ disability / pre-retirement benefit on the last month's account in pdf format, generated directly from electronic banking

Farm:

1. Decision on agricultural tax for the current year OR Up-to-date certificate from the UG on the profitability of a farm (the amount of income and / or conversion hectares)

One-person business activity / shares in a civil partnership:

1. Summary of revenues and costs from business activity depending on the form of settlement with the Tax Office:

a / KPIR: PIT36 / 36L with an attachment PIT / B with confirmation of submission to the Tax Office for the previous year (alternatively, a summary of the KPiR with a breakdown into individual months from the previous year, if Pit was not submitted to the Tax Office) and a summary of the KPiR with a breakdown for each month of the current year

b / Lump sum: PIT28 with confirmation of submission to the Tax Office for the previous year and summary of revenue records for individual months of the current year

c / TAX CARD: Decision from the Tax Office on the size of the tax card for a given year

AND

poczta@inbankpolska.pl

2. Confirmations of transfers for income tax for the last 3 months (or the last quarter) in pdf format, generated directly from electronic banking

Lease agreement:

1. Lease Agreement AND 2. proofs of payments / confirmation of transfers to the Tax Office of advance payments for income tax from the last 3 months OR PIT 37/36/28 for the previous year (in the case of annual settlement) with confirmation of submission to the Tax Office (honored until July 20 this year)

Please send the above documents to the Bank's address: poczta@inbank.pl

We remind you that documents submitted by e-mail must be sent from your e-mail address indicated in the application.

No. We do not require the consent of the spouse to conclude a loan agreement.

No. In Inbank, you conclude the loan agreement individually.

The interest rate on the renovation loan is 12.99% and is calculated on the amount of the loan granted. The exact interest rate is indicated in the loan agreement.

Register on the website by providing your personal data in the "Become a Customer" tab or by clicking the "Apply for a loan" button. Fill in the loan application by providing the necessary data. Read the offer and sign the loan agreement by verifying your identity using one of the available methods. After meeting the conditions indicated in the contract, we will transfer the loan amount to your account.

There can be several reasons for a failed verification process. One of them may be technical errors, i.e. no transactions on the bank account (no data necessary for verification); lack of a stable internet connection throughout the process; lack of correct authentication in electronic banking (without it, data download is not possible). If the verification was unsuccessful after the data has been successfully transferred to the bank, follow the received messages. It is possible that the data provided was not sufficient to obtain a positive verification result and accept the loan application. If you have any questions, please contact our Call Center.

After remote contract signing, we will send it to you to the e-mail address provided in the contract. The contract will be password protected. The contract is also available in the Loans tab after entering the contract details.

No, we only pay the loan to the Applicant's bank account kept by the Bank that operates in Poland.

Transfer the loan instalment on time to the account specified in the loan agreement.

When making a transfer, make sure that you always provide your individual credit agreement number in the Transfer title field. In the absence of this data and the sender cannot be identified, the transfer will be returned to the account from which it was sent.

You can make early or complete repayment of the loan at any time by making a payment to the account numbers indicated below. If you want to confirm the amount to be repaid, contact us by phone or e-mail. *) **):

*) for contracts concluded until 29/09/2021

Beneficiary AS Inbank SA Branch in Poland

Bank Santander Bank Polska S.A.

Account number 19 1090 1056 0000 0001 3404 4682

Transfer title Enter the number of your credit agreement here

IMPORTANT: When making a transfer, make sure that you always provide your individual credit agreement number in the Transfer title field. In the absence of this data, the transfer will be refunded to the account from which it was sent.

**) for contracts concluded from 30/09/2021

Beneficiary AS Inbank SA Branch in Poland

Bank Bank PKO BP S.A.

Account number 58 1020 1026 0000 1302 0463 3527

Transfer title Enter the number of your credit agreement here

IMPORTANT: When making a transfer, make sure that you always provide your individual credit agreement number in the Transfer title field. In the absence of this data, the transfer will be refunded to the account from which it was sent.

In the case of early full repayment of a loan to which Art. 49 of the Act of 12 May 2011 on consumer credit (i.e. consumer loan agreements within the meaning of Article 3 of the above-mentioned act) Inbank reimburses the loan costs related to the period by which the duration of the contract was shortened, to the account indicated by the borrower . In connection with the above, we would like to inform you that it is possible to submit to the Bank an application for the reimbursement of loan costs related to the period by which the term of the contract was shortened, together with the account number.

According to the loan agreement:

• early repayment of part of the loan will not change the amount of the loan installment, but will shorten the loan period depending on the amount of the payment made by the Borrower. In such a case, the total cost of the loan is reduced by those costs that relate to the period by which the duration of the Agreement was shortened, even if the Borrower incurred them before this repayment.

• In order to settle the costs related to the period by which the term of the Agreement was shortened, and which the Borrower incurred before the early repayment of the loan, the Borrower informs the Bank about the account number to which he wishes the Bank to return the overpaid amount.

• A borrower who has made partial early repayment of the loan has the option of submitting an application to the Bank for lowering the loan instalment without changing the loan period.

The Borrower has the right to withdraw from the Agreement without giving any reason within 14 days from the date of the Agreement. If the Agreement does not contain the elements specified in Art. 30 of the Consumer Credit Act (hereinafter the "Act"), the Borrower may withdraw from the Agreement within 14 days from the date of delivery of all the elements listed in Art. 30 of the Act.

In the case that you have lost your job or are unable to meet your obligations for other reasons, please contact us immediately to agree on the most appropriate solution. Each situation is assessed individually. Learn about the aid instruments offered by Inbank in case of problems with repayment of liabilities at the link: Application on aid instruments Send one of the following applications to the address kontakt@inbank.pl: Application about restructuring Application for suspension of the performance of the loan agreement

Yes, to change the date of payment of an instalment, please send an instruction to change the date of payment of an instalment to the following address: kontakt@inbank.pl, from the e-mail address provided in Inbank as the contact address. The instruction to change the instalments payment date may be submitted at any time, however, it will be executed after the first loan instalment has been repaid in accordance with the schedule. The order should contain a new payment date and the loan should be repaid on time. The first change of the instalment payment day is free of charge. Each subsequent one is payable PLN 50.

In the event of non-payment, Inbank may send an SMS, make a phone call, send a request for payment and then terminate the Agreement and apply for the initiation of court and enforcement proceedings against the Borrower, as a result of which he may be charged by the Court with the costs of these proceedings, including costs legal representation.

On overdue debt, Inbank calculates and charges penalty interest at a variable interest rate equal to the maximum interest rate for delay referred to in the Civil Code, which as at 20.04.2022 is 20% per annum. < / p>

Inbank is obliged to submit to Biuro Informacji Kredytowej S.A. data on all concluded contracts, regardless of the timeliness of their repayment. In the event of delayed repayment, information about this fact is included in the Borrower's credit history.

In the event of non-payment, Inbank may provide information about the obligation to economic information bureaus if all the conditions specified in Art. 14 of the Act of April 9, 2010 on disclosure of economic information and exchange of economic data.

Inbank may also sell the debt resulting from the loan agreement to a debt collection company.

If you change your name, e-mail address, correspondence address, number and series of your identity document or telephone number, please notify us by letter, telephone or e-mail by sending an e-mail from the e-mail address provided in Inbank to the following address: kontakt@inbank. pl domain names with an instruction to change data. In the case of electronic transmission of data, we suggest that you consider providing the data in a password-protected file, and in each case, be careful when providing the data.

If it is necessary to grant a power of attorney to another person, send us the e-mail address that you provided when applying for a loan from your e-mail address. The completed form should be sent to the following address: poczta@inbank.pl Power of attorney