Income confirmation (potvrzení o příjmu)
A bank form that the employer completes and signs. It states the average net monthly income over the recent period, the type and length of employment, whether a probation or notice period is running, and whether deductions or enforcement orders are taken from the salary. Together with bank statements, it is what the bank uses to assess creditworthiness under § 86 of Act No. 257/2016 Coll.
Example
The employer confirms a net income of CZK 60,000 a month on a permanent contract, with no notice given. At the banks' usual internal threshold of 45 %, payments on all loans can reach about CZK 27,000, enough for a mortgage of roughly CZK 5,000,000 over 30 years at 5.00 %. Had the confirmation shown a probation period, most banks would not yet count the income.
In practice
Each bank has its own form and usually rejects older confirmations, so expect your employer to fill one in again if you switch banks or approval drags on. The bank checks the figures against statements from the account your salary goes into. Approval stalls when the confirmation shows gross pay or one-off bonuses that the statements do not match. Some banks will take statements and payslips alone instead of a confirmation.
How it differs
Don't confuse it with the confirmation of interest paid, which the bank issues for the tax deduction. For the self-employed, the tax return plays this role: a self-employed person (OSVČ) cannot issue an income confirmation to themselves and proves income from the filed return.
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