What do banks calculate as net income?

Hello everyone,

I am currently concerned with the question of what banks or you yourselves consider as your household net income. Is it the amount that is listed as net on the payslip, or the actual payment amount? For me, for example, there is a difference of about 720€ due to company car, occupational pension scheme, employee capital formation, and bike leasing. I do have some of these "expenses," but of course, I still have less money available for discretionary spending.

I don’t have to spend anything on fuel, tire changes, service, and so on, have a high-quality e-bike after 3 years with a small buyout fee, and am saving something for retirement.

How do you or the banks see it?

From my experience, what is paid out in the end
1. your efforts for work are then lower
2. you do not have more in your pocket through your personal added value if you were to deduct it.
You get, what you see

However, for the sake of completeness, one can also consider it entirely and create an expense item of 720 euros that describes what is covered by it. Then there will be no inquiries regarding car costs and similar expenses, because these items are included in the 720 euro deduction. It is actually the better solution for oneself, because it also constantly reminds one of these expense items.

But you can also consider it completely for the sake of completeness and create an expense item of 720 euros that describes everything covered by it. Then there are no further inquiries regarding car costs and similar, because these items are then included in the 720 euro deduction.
Actually, this is also the better solution for oneself, because you are constantly reminded of these expense items.

Yes, that would also be an option.

Hello,

we used the net income from the last three payslips. The rest didn't matter to the bank.

Regards

The payout amount is always taken. Company cars then reduce the LHK for some.