Guarantor and
guarantee conditions
A guarantor is a key element in the loan approval process. In this section, you will learn what documents you need to provide, how financial criteria are assessed, and what requirements must be met to qualify.
Ručiteľ a podmienky ručenia
Ručiteľ je kľúčovým prvkom pri schvaľovaní pôžičky. V tejto sekcii sa dozviete, aké doklady musíte predložiť, ako sa posudzujú finančné kritériá a aké sú požiadavky na splnenie podmienok
Kto môže byť ručiteľ ?
> podmienky pre ručiteľa <
> definition
a) ručiteľom môže byť iba občan SR (fyzická osoba), ktorý má pravidelný príjem a je spôsobilý na právne úkonyb) v prípade študentských pôžičiek nový ručiteľ preberá celý ručiteľský záväzok všetkých už doposiaľ poskytnutých pôžičiek
> vekové obmedzenie
V čase podpisu zmluvy o pôžičke musí byť ručiteľ mladší ako 63 rokov.> income criteria
a) ručiteľ musí mať príjem z pracovného pomeru alebo obdobného pracovného vzťahu, alebo musí mať iný preukázateľný pravidelný zdroj príjmu
b) for assessment purposes, certificates confirming receipt of sickness benefits or state social benefits are not accepted.
c) príjem ručiteľa sa bude posudzovať v prípade viacerých príjmov kumulatívne (napr. zo zamestnania, podnikania alebo z inej zárobkovej činnosti ako ich súčet)> financial stability
a) ručiteľ nesmie byť v situácii, ktorá by ho mohla spôsobiť platobne neschopným alebo ohroziť jeho finančnú situáciu
b) the guarantor must not be involved in any process that could lead to payment suspension, negotiations with creditors, debt relief, enforcement, or any similar proceedings
c) the guarantor must not be involved in any process that could lead to payment suspension, negotiations with creditors, debt relief, enforcement, or any similar proceedings.
d) v prípade ak sa ručiteľ ocitne v situácií uvedenej v písmene a) až c) tohto bodu, je dlžník povinný o danej skutočnosti informovať FnPV a zabezpečiť zmenu ručiteľa
Posudzovanie finančnej situácie ručiteľa
> pravidlá výpočtu schopnosti ručiť za pôžičku <
1. BASIC CRITERIA FOR INCOME ASSESSMENT
The documents must clearly show that after deducting all liabilities and the subsistence minimum, the guarantor has sufficient disposable income, specifically:
- v prípade zamestnanca:
Zostatok po odpočítaní životného minima a všetkých záväzkov od priemerného čistého mesačného príjmu musí presahovať sumu stanovenú v bode 2.
- v prípade SZČO, slobodného povolania:
-zostatok po odčítaní súčtu záväzkov a životného minima od 1/12 čiastkového základu dane z príjmov podľa § 6 Zákon č. 595/2003 Z. z. Zákon o dani z príjmov, musí byť vyšší ako je uvedené v bode 2.
2. MINIMÁLNY POŽADOVANÝ DISPONIBILNÝ PRÍJEM PODĽA VÝŠKY SPLÁTKY
- for a monthly installment up to €100 (inclusive) = 1.5 times the amount of the installment
- for a monthly installment from €101 to €300 (inclusive) = 1.2 times the amount of the installment
- pri mesačnej splátke nad 300 € = 1,0-násobok výšky splátkyEXAMPLE CALCULATION FOR AN EMPLOYEE
Average documented net income: 900,00 €
Mortgage installment: 350,00 €
Other loans: 0 €
Dependent children: 1
Calculated installment of the requested loan: 120,00 €
Method:
900,00 - 350,00 - 273,99 (subsistence minimum for a person) - 125,11 (subsistence minimum for a dependent child) = 150,90 €
120,00 (calculated installment amount) x 1,2 (coefficient for installments from 101,00 to 300, 00 €) = 144,00 €
Conclusion: The guarantor meets the requirement because 150,90 € > 144,00 €
Average documented net income: 500,00 € (which corresponds to 1/12 of the partial tax base according to § 6 of Act No. 595/2003 Coll., which is 6,000.00 € / 12 = 500.00 €)
Mortgage installment: 0 €
Other loans: 0 €
Dependent children: 2
Calculated installment of the requested loan: 80,00 €
Method:
500,00 - 00,00 - 273,99 (subsistence minimum for a person) -250,22 (subsistence minimum for 2 dependent children) = -24,21 €
80,00 (výška vypočitanej splátky) x 1,5 (koeficient pro splátok do 100,00€) = 120,00 €
Záver: ručiteľ nespĺňa podmienku, pretože - 24,21 < 120,00Predpokladaná výška
životného minima od 1.7.2024 do 30.6.2025
- 273,99 eur mesačne, ak ide o jednu plnoletú fyzickú osobu,
- 125,11 eur mesačne, ak ide o zaopatrené neplnoleté dieťa alebo nezaopatrené dieťa.
Dokumenty na stiahnutie
Who can be a guarantor?
> requirements for a guarantor <
> definition
a) a guarantor can only be a citizen of the Slovak Republic who has a regular income and is legally competent.
b) in the case of student loans, a new guarantor assumes the full guarantee obligation for all loans granted up to that point.
> age restriction
At the time of signing the loan agreement, the guarantor must be younger than 63 years old.
> income criteria
a) the guarantor must have income from employment or a similar work relationship, or must have another verifiable regular source of income
b) for assessment purposes, certificates confirming receipt of sickness benefits or state social benefits are not accepted.
c) the guarantor’s income will be assessed cumulatively in the case of multiple income sources (e.g., from employment, business, or other gainful activities, as their total sum).
> financial stability
a) the guarantor must not be in a situation that could render them insolvent or jeopardize their financial stability
b) the guarantor must not be involved in any process that could lead to payment suspension, negotiations with creditors, debt relief, enforcement, or any similar proceedings
c) the guarantor must not be involved in any process that could lead to payment suspension, negotiations with creditors, debt relief, enforcement, or any similar proceedings.
d) if the guarantor finds themselves in any of the situations described in points a) to c), the borrower is obliged to inform FnPV about this fact and ensure the replacement of the guarantor
1. DOCUMENTS PROVING INCOME:
- in the case of an employee
- original certificate of the guarantor’s income from dependent employment or other regular income for the three months prior to the month of the loan application
- the certificate must not be older than 30 days from the date of submission of the signed loan application
- in the case of a self-employed person or freelancer:
- original certificate of the guarantor’s income from business activity based on the tax return.
- in the case of income from abroad
- if the guarantor has income from employment abroad and the income certificate is in a language other than Slovak or Czech, they must submit a translation along with a sworn statement confirming the accuracy of the translation
2. BANK STATEMENTS FOR THE LAST TWO MONTHS
- a bank statement from online banking is sufficient
3. SWORN STATEMENT ON THE AMOUNT OF LIABILITIES
- if the guarantor has a loan or other debt, they must specify the individual installment amounts
- in the case of caring for other persons (dependent or non-dependent children), the guarantor must state their number.
> How to document income and liabilities when applying for a loan
Assessment of the guarantor’s financial situation
> rules for calculating the ability to act as a guarantor for a loan <
1. BASIC CRITERIA FOR INCOME ASSESSMENT
The documents must clearly show that after deducting all liabilities and the subsistence minimum, the guarantor has sufficient disposable income, specifically:
- in the case of an employee:
- the remaining amount after deducting the subsistence minimum and all liabilities from the average net monthly income must exceed the amount specified in point 2.
- in the case of a self-employed person or freelancer:
- the remaining amount after deducting the total liabilities and subsistence minimum from 1/12 of the partial tax base according to § 6 of Act No. 595/2003 Coll., the Income Tax Act, must be higher than the amount specified in point 2.
2. MINIMUM REQUIRED DISPOSABLE INCOME ACCORDING TO THE AMOUNT OF THE INSTALLMENT
- for a monthly installment up to €100 (inclusive) = 1.5 times the amount of the installment
- for a monthly installment from €101 to €300 (inclusive) = 1.2 times the amount of the installment
- for a monthly installment over €300 = 1.0 times the amount of the installment
EXAMPLE CALCULATION FOR AN EMPLOYEE
Average documented net income: 900,00 €
Mortgage installment: 350,00 €
Other loans: 0 €
Dependent children: 1
Calculated installment of the requested loan: 120,00 €
Method:
900,00 - 350,00 - 273,99 (subsistence minimum for a person) - 125,11 (subsistence minimum for a dependent child) = 150,90 €
120,00 (calculated installment amount) x 1,2 (coefficient for installments from 101,00 to 300, 00 €) = 144,00 €
Conclusion: The guarantor meets the requirement because 150,90 € > 144,00 €
EXAMPLE CALCULATION FOR A SELF-EMPLOYED PERSON OR FREELANCER
Average documented net income: 500,00 € (which corresponds to 1/12 of the partial tax base according to § 6 of Act No. 595/2003 Coll., which is 6,000.00 € / 12 = 500.00 €)
Mortgage installment: 0 €
Other loans: 0 €
Dependent children: 2
Calculated installment of the requested loan: 80,00 €
Method:
500,00 - 00,00 - 273,99 (subsistence minimum for a person) -250,22 (subsistence minimum for 2 dependent children) = -24,21 €
80,00 (calculated installment amount) x 1,5 (coefficient for installments up to 100,00 €) = 120,00 €
Conclusion: The guarantor does not meet the requirement because - 24,21 € < 120,00 €
POZNÁMKA: Sumy životného minima pre konkrétny rok stanovuje Opatrenie Ministerstva práce, sociálnych vecí a rodiny Slovenskej republiky. Link: https://www.employment.gov.sk/sk/rodina-socialna-pomoc/hmotna-nudza/zivotne-minimum/
Predpokladaná výška životného minima od 1.7.2024 do 30.6.2025
- 273,99 eur mesačne, ak ide o jednu plnoletú fyzickú osobu,
- 125,11 eur mesačne, ak ide o zaopatrené neplnoleté dieťa alebo nezaopatrené dieťa.
Dokumenty na stiahnutie
Potvrdenie o príjme ručiteľa z podnikateľskej činnosti
Potvrdenie o výške príjmu ručiteľa zo závislej činnosti alebo iného pravidelného príjmu
Čestné vyhlásenie ručiteľa o záväzkoch
Pravidlá pre posudzovanie ručiteľa schválené radou fondu pre všetky druhy pôžičiek zabezpečené ručiteľom
