Construction financing without tax return

If the income can be proven by other means (e.g. salary account, wage slips, employment contract), one might be able to do without it under certain circumstances. It always depends on the exact situation.

Of course, if you also have income from [V+V], capital income or profits from business participations etc., it will be difficult.

And that brings us off-topic: Your own fault if you don't file a tax return. Why not? Usually, you are more likely to get money back than to have to pay additional taxes. The state makes a golden nose from such behavior without having to do anything for it. Why are you giving your money away? Then you might as well distribute it on the street.

Yes, at 34 years shame on me. I never gave it much thought. I will now retroactively address the issue, I just had a bit of concern that the financing might fail because of it and that I would actually have to wait until a tax assessment follows for the income tax return to be taken into account now. Thanks already for the information that it can also work without it.

No one is obligated to file an income tax return! As an employee, salary statements are sufficient! My goodness, I haven’t done this nonsense for years... sometimes it simply doesn’t make sense, except for a lot of work.

No one is obliged to file an income tax return!.

Wrong. There are some rules that lead to an obligation. For example, if your tax office writes to you and requests one, married people in tax class 4/4 or with factor, etc.

Wrong. There are some rules that lead to an obligation. For example, if your tax office writes to you and demands something, married persons in SK 4/4 or with a factor, etc.

Yes, of course there are obligations. (As a self-employed person, I am also obligated...) Nevertheless, no home financing is tied to a tax return. And therefore it cannot be a condition of the bank either. One (and banks as well) can list many things, but usually explainable and comparable documents are sufficient. Examples are listed, which may also be interchangeable if necessary. My lending banks (in the meantime there have been 3) have always waived off on the phone when I/we asked, if listed documents were difficult to obtain or did not exist at all.

No one is obligated to file an income tax return! As an employee, payslips are sufficient! My goodness, I haven't done this nonsense for years... sometimes it simply doesn't bring anything except a lot of work.

At my last one, I got a decent four-figure amount back, for just a few hours of effort, actually pretty good.