Professional drivers are a group that often works outside the home for days or even weeks. We can separate them into domestic and foreign drivers where both are most often billed according to the principle – the basis of remuneration is the national minimum, which is currently USD 2,600 gross and the rest of the remuneration is so-called diets.
What is the driver’s diet?
The diet of a professional driver is a form of employee remuneration for time spent away from home. It is settled with the Tax Office differently from a regular employment contract, that’s why banks introduce their conversion rates to minimize the risk of default. Diets are settled according to specific rules and can be calculated in various calculators or by yourself based on a signed contract with a transport company.
Banks, unfortunately, do not look favorably on it and you have to choose a bank that accepts and accepts such remuneration for the calculation of capacity. Based on the basic salary, we can not count on higher amounts (although not in every case).
The best how diets affect your personal account and are included in your earnings certificate. Below is a list of banks, current in March 2019, that is able to receive such income:
Banks that accept diets as income
- E-Money Bank – requires that the employment contract has been for 3 months and diets must be documented for 12 months. If they affect your personal account, then 12 confirmation of diet transfers + 3 transfers from the employment contract are enough. The loan period is 120 months, even for USD 200,000.
- Good Finance – employment from an employment contract is a minimum of 3 months and the diets of professional drivers are accepted but in 50%. To document your income, we can provide a statement of earnings, 3 receipts or a full account statement for 3 months. The loan period is a maximum of 108 months and amounts up to USD 150,000 net.
- Good Credit – accepts all remuneration under an employment contract and 100% of remuneration entitled as per diems. Loan period up to 120 months in good condition. This bank is based on inflows to the account for a period of 3 months and net income is calculated on this basis. It is best to apply for up to USD 100,000 gross because then the procedure is simplified and does not require additional documents.
- Good Lender Polbank – accepts 100% of the employment contract and 75% of the allowance that is included in the income statement or that affects the bank account. The process requires the aforementioned certificate or full account statement for the full 3 months, however, diets are calculated for a period of 12 months. The loan period is 120 months and the conditions are one of the best on the market.
Will we get a loan?
The topic of a professional driver is not easy because, as you can see, banks do not accept such income. Therefore, in case of interest, I can help with the process and choosing a bank where to go.
If diets are the main source of income and we have, for example, payday loans, we must then rely on these banks, which do not see a non-bank bank, and in addition, are able to accept an unusual source of income.