Help for obtaining a loan in the form of a bank. Why fill out a certificate of income in the form of a bank

Almost every person sooner or later faces the need to obtain a loan for one purpose or another. For an officially employed person, this procedure is most often not difficult. After all, he can confirm his solvency quite easily.

And what about those who receive wages "in an envelope"? For such applicants, many financial institutions offer another option - a certificate in the form of a bank. By the way, such a document significantly increases the chances that the loan will be approved. After all, when filling out here, you can indicate any type of income received: gray and white salaries, one-time payments, bonuses and other financial receipts.

Where can I get a sample certificate for obtaining a loan and how to fill it out correctly? We'll talk about this.

Requirements for a certificate for obtaining a loan

As already mentioned, there is practically no financial institution that would not require confirmation of the client's solvency in one form or another. The only exceptions are microfinance institutions. Here you will be given a small amount at fabulous interest and will not be interested in too much detail from which funds you will repay the debt.

Before considering a sample certificate for obtaining a loan, it is worth saying that such a document comes in three variations:

• 2-personal income tax;
• on the development of a banking institution;
• in free form.

What kind of information and in what case to require, the financial institution decides independently. Most often it depends on the amount claimed by the client. Each of the forms has both its advantages and disadvantages. Therefore, further we will talk in more detail about what certificates are needed to obtain a loan and where to get them.

Document 2-NDFL

This form is, in fact, the employer's report to the fiscal authorities. It contains information about exactly what amounts were transferred to the employee by the enterprise and for which months.

You do not need to take a certificate form for obtaining a 2-personal income tax loan anywhere. Even an ordinary accountant of any enterprise is absolutely familiar with such a document. Therefore, all that a person needs to do to obtain such a document is to contact the accounting department of the organization in which he is employed. The accounting officer will prepare it in a few days. In rare cases, the procedure can take up to a week.

You can easily see a sample certificate for obtaining a loan in this article. It contains the following information:

• Name and details of the organization that issued it.
• Information about the individual to whom the document is issued. His last name, TIN, year, day and month of birth, number and series of the passport and address of the place of registration.
• Monthly accrual amounts for a specific period and accounting codes.
• Codes and amounts of tax deductions.
• The current seal of the enterprise and the signature of the official who endorsed the document.

A certificate from the place of work for obtaining a loan does not have any specific statute of limitations, because it contains information about an event that has already taken place and cannot be changed. But some financial institutions require the provision of a "fresh" document. Do not argue or refuse. Moreover, you can order such a document in your company at least every day. The company in which you are employed cannot refuse to issue you such a certificate.

Help in the form of a bank

In order to facilitate the lending procedure and attract as many customers as possible, many banks refuse to work with 2-personal income tax. In such cases, financial institutions independently develop a certificate form for obtaining a loan. Its advantage lies in the fact that you can enter information about any income of the client, including not quite official ones.

As a rule, a person is simply given a sample certificate for obtaining a loan and the period during which it will be considered valid is called. The following information is included in the document:

• The name of the enterprise, its details.
• Surname, name of the employee (loan applicant).
• The position held by the employee.
• Length of time in the organization.
• The expiration date of the employment contract and the likelihood of its extension.
• Average monthly earnings for the last six months.
• The presence of premiums, bonuses and other privileges.
• Some other information (on request).

The certificate must be necessarily certified by the signature of the head or chief accountant of the company where the applicant for the loan is employed. It also requires a seal.

Free form document

In the event that a potential borrower claims a fairly small amount, filling out a certificate for obtaining a loan can generally come down to just a formality. For example, you will be asked to bring any certificate of employment printed on the organization's letterhead. The document can be submitted in free form and contain, for example, the following data:

• the size of the average monthly salary;
• the amount of annual (semi-annual) earnings for the previous period;
• the size of the actual wage arrears to the employee;
• other information.

Of course, the confidence of financial institutions in such a document will be much lower, but sometimes this can be a good way out of a situation where there are simply no other options to confirm income.

How else to confirm your solvency

Sometimes there are situations when the employer not only does not formalize your employment relationship, but also completely refuses to provide you with any document confirming your income. What to do? How to confirm your solvency in this case?

There may be several options here. For example, you can provide the bank with a statement of your bank account, to which this or that amount is received from time to time. As a confirmation of solvency, a document indicating the presence of a deposit or ownership of any valuable property is suitable.

It is worth remembering that the less confirmed information you provide about yourself to the bank, the more carefully the security service will check you. There are many methods to check the viability of a potential client. So if you do not plan to be rejected, it is best to provide only reliable information about yourself.

What happens if the certificate turns out to be fake

The least that can happen if you provide false information is that you will simply be denied a loan. In addition, employees of a financial institution can enter information about such a fact into the bank's internal databases and make a record of a fraud attempt in your credit history. This is fraught with the fact that you will be denied a loan in any place, wherever you later apply.

But things could turn out to be much worse. Many banks are not too lazy to punish such "clients" in accordance with the letter of the law. Providing a fake certificate of income "pulls" on Art. 159 or 327 of the Criminal Code of the Russian Federation, which means fraud or the use of a knowingly false document, respectively. And that's a completely different story...

January 2019

Any bank considers its client for solvency. To obtain a loan from a financial institution, you must prove to the bank that you will regularly repay money for a loan without delays in payments. All evidence of your solvency must be supported by documentation. Documents confirming employment and regular receipt of wages for applying for a loan are a certificate of income in the form of a bank or a 2-personal income tax certificate.

What is a bank statement?

Do not confuse the 2-NDFL certificate with the income statement in the form of a bank with each other. Deciphering the first - personal income tax. Within the framework of this article, we will not touch on this topic, we will define the 2-NDFL certificate in another publication.

Some employers give their employees "gray" wages in order to reduce tax payments. Therefore, it is often difficult for people to confirm their wages. But there is an alternative way to confirm the amount of your income using a certificate of salary in the form of a bank. This avoids the aforementioned problems.

Certificates in the form of banks are not the main document confirming your income. For banking organizations, 2-NDFL will be a more significant document, since this documentation is issued by the tax authorities, and it will not work to hide data on their own wages from the bank.

To confirm your income, you need to correctly fill out the form in accordance with the sample. Then the reliability of these data is confirmed by your employer or accountant in a completed form with a signature and seal. After that, the document can already be submitted to the bank.

Where can I get a certificate of income in the form of a bank?

A certificate of income in the form can be obtained in printed form at any branch of the bank where you wish to apply for a loan. An easier option is to download a certificate from the official website of a financial institution and print it on a printer. In order not to look for such a document on the Internet, the following article contains salary certificates according to the forms of the most common banks. At the very bottom of the publication, you can download templates for these documents for financial institutions of interest to you.

Sample of filling out a certificate of income for a loan

Any bank has its own characteristics of filling out such a certificate, and the lines to be filled out will vary. In general, all bank forms are of the same type. You shouldn't have any problems filling them out. If you do not know how to fill out such a certificate correctly, then ask an accountant to help you.

In the certificate of income in the form of a bank, you must indicate:

• date;
• the date at the start of work and the name of the legal entity (organization) in full, indicating the TIN;
• legal entity address;
• actual address of the employer;
• position and length of service of the borrower;
• the average salary of an employee for the last 6 or 12 months;
• Full name and signature of the head or accountant with a seal.

You can find out all the data to fill out from the employment contract or ask the personnel department.

A sample of filling out a certificate of income in the form of UBRD bank

To see how to fill out the UBRD form correctly, follow this link.

How does the bank check the income statement?

It would be a mistake to think that the verification of the accuracy of the data you provide will not be carried out by the bank. It will not work to fool the lender, since all financial institutions have a security department that checks and obtains data about the borrower.

First of all, the bank will check your credit history, and then they can contact your organization and find out your marital status, your biography, whether you own real or movable property, and other related issues. Therefore, all information in the certificate in the form of a bank should be filled out as accurately as possible. After all the checks, you will be given a final answer on obtaining a loan.

How to confirm unofficial income for a bank?

About confirmation of official income is written above. But not all people have permanent jobs. Someone is doing their own thing, has other sources of income that are not confirmed by the tax service. How to deal with this if you need to take a loan from a bank? Let's consider this question below.

Some people rent out property and this is their main source of income. Such earnings can be verified. To do this, you need to provide the bank with a document confirming the payment of taxes on the money received. Not everyone will want to show their unofficial income and pay part of their own money in taxes to the state. This applies not only to the "rental" way of earning, there are a fairly large number of other sources of income. The category of citizens with this type of income may include: programmers, web developers, designers, copywriters, video bloggers, musicians, writers, artists, private apartment repairmen and many others.

There is another way to prove your solvency to banks, but it is doubtful. To do this, you can get a plastic card in the bank that you have chosen to apply for a loan, and regularly make money transfers to it. Subsequently, you can demonstrate your "regular income" to the bank. Along with this, you can provide an example of your work from which you receive income.

Involvement of a guarantor

Let's consider a situation when it was not possible to confirm your income. In this case, you can involve a guarantor. It could be a relative, friend or acquaintance. The guarantor must have a high official salary. In accordance with the loan agreement, the entire responsibility for repaying the loan will fall on the guarantor if you do not have money to pay the loan. It is better not to use this method for obtaining a loan. If you do not have the funds to pay on the loan, then you will create a lot of problems for your guarantor.

Download bank statement of income

For greater convenience, below are examples of income statements in the form of various banks. All documents are taken from official sources of banking institutions.

Click on the line of the required bank to download the income statement in their form to your computer or to another device.

- an alternative to the 2-NDFL certificate, a document confirming the income of a potential borrower.

How to draw up a salary certificate: for an employment center, for a loan, for a tax deduction

The bank requests this document if the borrower, who is employed, cannot provide a certificate of the established form (not all wages paid at the enterprise are issued "in white"). As well as the 2-NDFL certificate, this document is signed by the chief accountant and director of the enterprise, sealed with the seal of the organization. The validity of the certificate is up to 30 days and may vary depending on the requirements of the bank.

Samples of filling

← Certificate of income 3-NDFL

Comments (1)

When drawing up a loan agreement, as a rule, the bank requires to provide documents on the solvency of the borrower. This can be a regular certificate of employment or a certificate in the form of personal income tax. As a rule, the larger the loan amount, the more favorable its conditions and interest rate for the borrower, the more documents the bank requires and the less likely it is to get a loan for an officially unemployed person.

However, there are many categories of citizens for whom it is not possible to officially confirm income. And this does not mean at all that such people are insolvent or are not going to responsibly approach loan payments. In this article, we will look at how you can prove to the bank that by giving you a loan, he does not endanger himself.

Bank statements

Some banks are trying to take into account such objective factors of Russian reality as income from renting housing owned by a potential borrower, “grey” wages, additional earnings from remote work (freelance), assistance from relatives, for example, to a young family, and various social benefits.

However, you will have to prove all this.

What is a bank income statement - a sample and how to fill out for a loan

The most optimal in this case is to provide an extract from your bank account, where all your income and expenses will be recorded within a certain period (as a rule, banks ask for an extract for the last six months regarding the moment when you applied for credit funds).

If you have no other choice but to prove your solvency using bank statements, you should approach this issue with all responsibility. The best solution here would be to open a debit account in the bank where you are going to subsequently draw up a loan agreement. However, even if this way is inconvenient for you, and you use a debit account in another banking institution, anyway: try to use this account! Form the habit of regularly depositing money in the bank, when making purchases, use not cash, but your bank card, so that the statement is “active”, so that cash flows can be traced on it in full.

Other options for confirming solvency

Some banks “accept” such indirect facts as confirmation of solvency, such as, for example, a valid foreign passport of the borrower with open visas and evidence of tourist trips abroad.

There is a certain logic in this: travel is an expensive business, and if a potential bank client is able to organize a trip to Europe, Thailand, Cuba and other tourist countries for himself and his loved ones several times a year (and each tour is no less, but sometimes more than 25-30 thousand rubles), then, most likely, such a person will be able to pay a monthly installment on a consumer loan or credit card.

bank statement of income- an alternative to the 2-NDFL certificate, a document confirming the income of a potential borrower. The bank requests this document if the borrower, who is employed, cannot provide a certificate of the established form (not all wages paid at the enterprise are issued "in white"). As well as the 2-NDFL certificate, this document is signed by the chief accountant and director of the enterprise, sealed with the seal of the organization.

Certificate to the bank on the income of an individual for obtaining a loan.

The validity of the certificate is up to 30 days and may vary depending on the requirements of the bank.

How to fill out a certificate of income in the form of a bank

A certificate in the form of a bank is not the same document for all banks and has different forms, but in almost all banks the requested information is the same:

Name of the employee - here you just write your name;

the full name of the legal entity where the borrower works - it will be given to you in the personnel or accounting department, some organizations may consist of several legal entities, in this case it is necessary to indicate exactly where you are actually employed and with whom you have an employment contract (if it is in principle);

position held, work experience - can also be taken from the employment contract or in the personnel department (in its absence - in the accounting department);

TIN / OGRN of the organization - you can take it from the accounting department, which will give you a copy of the certificates or all the details of the legal entity you need) or on any contract with the legal entity in which you are employed;

actual / legal address of the legal entity where the borrower works - information can also be obtained from any agreement with this organization;

phone of the organization - it is better to indicate several phones: one is the secretary of the head or the head himself, the second is the phone of your department, the fact is that the bank's security service will call it and clarify whether the borrower really works in the organization with the specified phone, and if they get through several times, and they won’t be able to call you to the phone - it will be very problematic later to prove that you really work there;

the average salary of an employee for the last six months or a year (depending on the requirements of the bank) - the information can be provided by the accounting department or indicated personally by you from your memory amount on hand);

the term of the employment contract, if it is urgent, is taken from the employment contract;

signatures of the head and chief accountant of the organization.

Samples of filling

In order to make it clear how to fill out such certificates, we have provided several samples of completed certificates with fictitious borrowers. For example, the largest banks are given - Sberbank, VTB24 Bank and Uralsib Bank.

A sample of filling out a certificate in the form of VTB24 bank

A sample of filling out a certificate in the form of Sberbank

A sample of filling out a certificate in the form of UralSib Bank

Features when providing a certificate of income in the form of a bank

You should not think that in such a certificate you can indicate an increased income that does not correspond to reality, as some gray and black loan brokers offer. If the bank reveals the fraud, you can get a very real time for fraud. Moreover, everyone will be held accountable - both borrowers, and the general director, and the chief accountant of the organization.

Despite the fact that, in general, the situation in the lending market forces banks to accept such certificates as evidence, they, frankly, at least do not like them. In some banks, in the conditions for granting loans, there are points that increase the interest rate for those customers who confirm their income in this way.

Despite the fact that this certificate will not be transferred anywhere except the bank, the management of some companies is still afraid to issue even them. In this case, one of the possible options for confirming income can be a certificate on the turnover of a salary card. If constant and uniform receipts are visible on it, then such a document may also be proof of the income you indicated for the bank.

← Certificate of income 3-NDFL

Deadline for consideration of a loan application →

Comments (1)

This method will suit you even if you are working, but not officially, and you urgently need to take out a loan.

How do you get certificates and confirmation by phone that you work in a solid and reliable company and receive a large salary?

For such reference, they usually use an existing company on the market, which is found on the Internet, in directories. By searching, you can find a company suitable for the desired profession on the market, then by TIN on the website http://egrul.nalog.ru/ they get all the necessary details, legal. address and other information.

For reference, a seal is ordered with the name and TIN of the found company. By the phrase order a print, you will find a large number of companies, and the order itself can be made via the Internet. Further, a certificate is independently made in free form or in the form of a bank. Surnames and names of the head and chief accountant are fictitious. Banks do not check such information, but simply check the TIN with the legal entity. address and check the status of the company itself is working or not.

The cost of a simple manual print is about 200 rubles.

As a work phone number, you can specify any landline number (apartments or the work number of your friends). It must confirm that you work for the company specified in the certificate. The bank does not check to whom the number is registered, since this information is closed, and the number used by the organization can be registered to anyone.

A common case is when a person has provided a certificate of income, but is not able to provide a work phone number. Usually this is a direct landline number. In this case, you can rent a direct city number for a month. You can do this via the Internet.

Certificate of income in the form of a bank - download sample filling

Type in the search to rent a direct landline number and you will find many offers.

The cost of renting a room starts from 300 rubles. For example:

http://youmagic.pro/
http://www.telphin.ru/
http://freezvon.ru/prices.php
https://beta.metrika.yandex.ru/calls? 330 rubles per month

The rented number forwards to your cell phone (the settings will be provided to you when renting), so the bankers will actually call you. After receiving approvals for loans, do not renew the number, as you will no longer need it.

Thus, this method allows you to slightly outwit the bank and provide a certificate from a reliable company, confirm a good income, provide a fixed work phone. Based on this set, the chances of approving a loan for a large amount increase significantly. Also, do not forget that you can get loans from several banks at once.

This is interesting:

1. A bit of theory
2. Minimum package of documents
3. Main package of documents
4. Decor
5. What is the result?

The stage of collecting documents is the most important when obtaining a loan. Banks and other credit organizations are very scrupulous about whether the entrepreneur has all the necessary papers, whether they are properly executed. Due to minor inaccuracies and errors in the documents, the bank may even refuse to open a current account, not to mention the issuance of borrowed funds!

A bit of theory

Each bank has its own requirements for the number and type of documents that a young businessman must bring. The bank manager will in any case give you a complete and final list of papers after you receive pre-approval of your loan application. But there are those documents that any credit institution will definitely require.

Certificates for obtaining a loan - samples of certificates 2 personal income tax, in the form of a bank, on income

They are listed in the next section.

A lot depends on the type of loan. For example, with classic microcredit, you will need the most extended package of documents, including financial ones, and a detailed business plan. With express lending, paperwork is many times less (but the interest rate is many times higher). Banks require a bunch of financial and collateral documents, and Enterprise Development Centers look mainly at the business plan and the progress you have made.

Important advice to entrepreneurs: don't waste your time, even on simple routine tasks that can be delegated. Shift them to the freelancers of "Execute.ru". Guaranteed quality work on time or money back. Prices even for website development start from 500 rubles.

Minimum package of documents

These are the papers that the bank needs to make a preliminary decision on the possibility of lending.

1. Application form. This is a standard application for a small business loan, which the entrepreneur fills out directly at the bank.
2. Copies of constituent and registration documents (as well as re-registration, if you have made changes to the constituent papers). This is the Charter, the decision to create a company. If you take out a loan from the same bank where you have a current account, you do not need to bring these documents.
3. Copies of personal passports (both yours and your spouse and other participants in the transaction, if any). We need copies of all pages, including blank ones.
4. Fresh (up to 30 days) extract from the Unified State Register of Legal Entities or EGRIP. You can also bring an extract with a statute of limitations of more than one month, but then you will have to attach a written notification to it that it is really correct and no changes have been made to the constituent documents.
5. Consent to the processing of personal data. This is a standard receipt issued by a bank.
6. Business plan. Without a detailed business plan, you will not be given a loan. About what points you need to pay attention to when compiling this document, see the article "Where to get a loan to open a company."

Main package of documents

These documents are needed by the bank to conduct a deep financial and collateral analysis. They will be asked to provide a bank employee who came to your office (or other place of business) to assess the situation.

• certificate from the tax office on the presence / absence of debt to the budget and extra-budgetary funds;
• a certificate from the same place about open settlement accounts (or a letter from the Federal Tax Service Inspectorate refusing to provide this certificate);
• certificates from the banks serving your business on the status of file cabinet No. 2;
• certificates from there on the presence or absence of debt under loan agreements, as well as guarantee and pledge agreements (copies of these agreements will also need to be provided);
• certificates from the same place on the turnover on current accounts for the last year;
• a card with sample signatures and an imprint of the IP seal (this applies only to IP);
• copies of licenses for the right to engage in activities requiring official permission;
• management and official financial reporting documents;
• tax returns;
• detailed breakdown of the main balance sheet items;
• papers for the premises used for office and warehouse (lease and sale agreements, certificates of ownership, etc.);
• papers on the ownership of property (contracts for the sale of equipment, PTS, PSM, etc.);
• up-to-date, valid agreements with three main buyers or suppliers (if you are a landlord, then agreements for renting real estate);
• contracts for the intended use of funds that you are going to receive on credit;
• documents on collateral (depending on the type of collateral);
• if a transaction with a bank is made by a trustee, and not by the businessman himself - the original or a copy of the power of attorney certified by a notary.

This is the maximum list of papers, it is difficult to demand something else from an entrepreneur. A loan for small businesses must be documented - this is the rule of credit organizations.

And do not forget that individual entrepreneurs can take ordinary consumer loans. True, the amount given to entrepreneurs is less than to private citizens. 200-300 thousand is not much, but why not take it if you just need to purchase a couple of pieces of equipment or urgently pour additional finance into circulation? Fortunately, few documents are needed - a passport, income statements and some additional certificate (employment book, driver's license, passport, etc.).

Decor

All copies of documents that you bring to the bank must be numbered, stitched, sealed and signed. No one will sort through a huge disordered heap of papers. The mark "copy is correct" must be present. You can either put it down yourself (if possible), or ask a bank employee to do this. In the latter case, the employee must indicate on each copy his position and the date of certification.

What is the result?

As an entrepreneur, you understand the importance of paperwork in our country. Always check documents several times before submitting them. An accidental mismatch of data, inaccuracy in design - and the papers will most likely be sent for rework. There is an urgent need for a loan, and you have to, cursing, delve into declarations and extracts. Unpleasant situation.

And most importantly, always check with the bank manager for any incomprehensible points. Torment the poor fellow with questions - let him give it his all, but then you won’t have to waste time and nerves. Find out from him exactly what documents are needed to get a small business loan from a bank, but initially be prepared to provide any of the papers listed in this article. Think about how long it will take to obtain those documents that you do not yet have on hand, ask a lawyer you know to advise you on registration issues. All this will allow you to feel confident in front of employees of the financial monitoring department.

What to do if you urgently need to take a loan, and a financial institution requires proof of income from you? Buying a certificate in the form of a bank in transit is a dubious undertaking, because you can purchase a low-quality fake. Provide it - and get a refusal from employees (and even ruin your reputation). If you do not know how to confirm the status and amount of income, please contact the MYUK-Moscow Law Company.

What is a bank statement?

A document that serves the same purpose as personal income tax-2 (i.e. an indication of income and its confirmation). True, a certificate is drawn up not on uniform and government-approved forms, but in accordance with the requirements of the bank. Each financial institution may have its own, but in most cases it is necessary to indicate:

• Full name of the employee of the enterprise and passport data;
• the name of the company and its details, contact information;
• job title;
• seniority;
• the size of the average salary, as well as deductions for the required period;
• the duration of the employment contract;
• details of the parties and other information.

You can look for where to buy a certificate from Sberbank, VTB 24, Tinkov, Moscow Credit Bank, MCB, Rosselkhozbank, Raiffeisen Bank, Alfa-Bank, Promsvyazbank, "Rosbank", as well as many others. The only problem is that scammers have appeared on the Internet. As soon as you transfer money to them, they "disappear from the radar." To avoid such problems, it is better to contact trusted companies. Our lawyers are ready not only to help with obtaining certain documents, but also to accompany the entire process of obtaining a loan and preparing a “package” for it.

In what situations do people decide to buy a certificate in the form of a bank with confirmation and what does this lead to?

1. You need to apply for a personal loan. For example, you are going to buy clothes, furniture, a car, household appliances, expensive gadgets. The bank requires that your level of income be documented. The catch is that you don't officially work anywhere. They say that you can buy a certificate to a bank in Moscow and not "steam". But it's not.
2. You are going to get a mortgage and solve a housing problem. The financial institution asks for information about employment and salary in order to be sure of your reliability (and the ability to repay the loan).
3. You intend to “refinance” and use the refinancing service. To conclude a transaction, you will have to confirm the status, but you cannot do this. You have often passed by "shopkeepers" in the subway and thought about how to buy a certificate of income in the form of a bank.

But you must understand that "buying" such documents is fraught with serious risks. How would you respond to the words of the employee: “We checked the information you provided and contacted the employer. He indicated that you do not work and have never worked in the company No. No. ... ". How will you justify yourself to the financier and how will you ask for funds?

Why do many customers need to buy a certificate in the form of a bank for a loan?

There was a time when only 2-personal income tax was required from borrowers. The certificate indicated the amount of profit for the previous period + paid contributions. But not everything is so simple. Employers did not always reflect real income in documents because of the “gray cash register”. Roughly speaking, officially you receive 5,000 rubles, but “in an envelope” they bring another 50,000. The income is 55,000 rubles, but it is not visible anywhere. In your hands you receive a certificate indicating 5,000 rubles. Accordingly, the bank sees a low salary and refuses to provide a loan.

Help in the form of a bank allows you to avoid such problems. The document may indicate all those real incomes that the employee received in his hands. If 2-NDFL has a strict form, then a certificate in the form of a bank does not have a standard form.

When applying for a loan, each applicant is faced with the need to confirm their solvency. A certificate in the form of a bank on income significantly increases the chances of obtaining a loan, because when filled out, it indicates the salary and bonus part of the employee's salary. At the same time, the paper has legal force and is accepted by most financial institutions. However, all credit organizations have their own requirements, which are important to consider.

What is a bank statement

Most Russians today have an unofficial (gray) income. This is because employers save on tax payments. Due to the low official salaries that applicants can document when applying for loans, financial institutions have decided to introduce such paper as a certificate of income in the form of a bank. The initiator of the innovation was the Sberbank of Russia, which, along with others, accepts this option of confirming solvency.

Each credit institution has individual requirements for the execution of a document, so you should familiarize yourself with them before taking paper from the accounting department at your place of work. As a rule, a sample certificate for obtaining a loan can be downloaded from the official website of the issuer or obtained from the nearest branch. In addition to the registration rules, this document has a shelf life of 14-30 days (depending on the credit institution). Sometimes the forms to be filled out are printed on letterhead of the employing company, but more often a copy is taken directly from the bank.

The document must include mandatory sections and contain all the necessary information for the issuer. Such a certificate for obtaining a loan in many credit institutions is filled out without information about tax deductions and other things, because the limit is set for customers without taking into account these data. The exception is PJSC Sberbank of Russia, which requires a full breakdown of expenses. The completed form must be signed by the chief accountant, the head of the employer's company, certified by a seal.

Why do you need

If credit institutions, when considering applications from applicants, accept only 2 personal income tax, then the number of clients they have will significantly decrease and profit will decrease. For this reason, a simplified scheme for confirming solvency has appeared. You can get a loan with a bank certificate from almost all financial institutions, including VTB 24, Alfa-Bank, Sberbank of Russia, Rosselkhozbank. However, sometimes one confirmation is not enough for the issuer and the applicant needs to submit both documents.

Personal income tax does not reflect the "gray" salary of the applicant, which is sometimes higher than the "white". Even a bank statement from a potential borrower does not reflect the real income of the applicant, because he receives part of his salary in cash at work. As a result, according to the documents, the applicant looks like a person below the poverty line and cannot qualify for a loan, especially a mortgage. A certificate alternative to 2 personal income tax in the form of a bank is not an accounting document, it is not officially recorded anywhere, but reflects the actual income of the employee.

Where to get

If the lender accepts such a document on wages, then a sample of it can be downloaded on the official website of the credit institution or you can get a paper version at the branch. There are institutions where a specific template is not given. Applicants may submit a free-form document. However, the certificate must contain certain information about the employer, signature, seal. Sometimes you need a company letterhead.

It is important to consider that the paper is issued only once. If the company does not provide for the position of chief accountant, then the head of the enterprise must sign the paper directly. In this case, the document must have a corresponding note stating that there is no position of chief accountant in the company. There are circumstances in which a certificate may not be issued. These include cases when an employee for some reason is subject to dismissal or more than 50% is regularly withheld from his salary to pay fines, alimony, loans and other things.

How to fill out a bank statement

Lending to individuals is actively developing in Russia. Before granting a loan to an applicant, the security system of a credit institution necessarily checks the accuracy of the information provided, the credit history, the length of service of the potential borrower, the presence of dependents, and so on. This is necessary to insure the financial institution against the risk of the client failing to fulfill its obligations under the contract.

Unscrupulous applicants may try to make a false document to obtain a loan for a large amount. However, the fraud can be revealed, after which the responsible employees of the company that issued the document will face administrative punishment, and the applicant’s reputation will deteriorate (the credit institution will blacklist him), after which it will be very difficult to get a loan.

Mandatory data when filling out such documents are the following:

1. Name, Surname and Patronymic of the applicant.
2. Position in the company that provided the document.
3. Seniority.
4. Full official details of the company-employer.
5. The number of the employment contract of the enterprise with the applicant and its validity period.
6. The salary of an employee for a specific period.

All credit organizations set different validity periods for income documents, it is important to take this point into account. Sometimes the form includes data on tax deductions and requires the breakdown of employee income by months. An example of filling out a certificate in the form of a bank and a blank form can be found on the issuer's website and printed or received at the branch. The paper is filled out by the chief accountant of the employing company or other authorized employee (sometimes the head).

Rosselkhozbank

In this financial institution, you can get a consumer loan, confirming your solvency in the form of a credit institution. In addition, this option is relevant for guarantors and mortgage co-borrowers, who must also provide salary information. The document can be obtained not only at work, but also at the Pension Fund of the Russian Federation, since the issuer takes into account pension payments when assessing the solvency of future borrowers. Rosselkhozbank has set the validity of the document - 30 days from the date of issue at the place of work.

The paper must contain the following data of the enterprise and the potential borrower:

• Full name, date of birth of the applicant;
• employment/pension assignment information;
• company details;
• position of the applicant;
• average salary for the last six months;
• the amount of tax deductions;
• signatures of the head, chief accountant;
• organization seal.

Sberbank

The largest financial institution in Russia is ready to assess the solvency of potential borrowers using such a document as a certificate in the form of a bank. It is important to consider that the condition applies to unsecured consumer loans. The downside for clients is that, in addition to the salary paper, they must document their official employment and length of service. Otherwise, the issuer may refuse to lend to the applicant.

Sberbank requires detailed information about the salary for each month, plus a tax deduction, withholding for alimony, repayment of loans, unworked advance payment, and so on. The rest of the information is indicated as standard (company details, position of the applicant, etc.). It will be difficult for the applicant to fill out the document on his own, so it is recommended that you familiarize yourself with the sample and consult with an accountant. Valid paper is considered 30 days from the date of receipt.

Uralsib

Another financial institution where income can be confirmed in the form of a credit institution is Uralsib. Here, Russians have access to unsecured consumer lending programs. A credit institution makes loyal demands to potential borrowers. To apply for a loan in this financial institution or act as a co-borrower / guarantor, you need to indicate information about yourself and the employer in the certificate. Salary data is entered in the table for the last 6 months of work, excluding taxes. The document is valid for 30 days.

When filling out, the applicant must indicate the following:

• work experience (from what day the employee was hired);
• full name of the enterprise, details, address, telephone;
• position of the applicant;
• salary information for 6 months;
• the duration of the employment contract with the employee;
• Full name of the head and chief accountant of the company;
• company seal.

VTB 24

This credit institution with state participation makes high demands on potential borrowers. However, you can apply for a loan from VTB 24 by submitting a paper in the form of a financial institution. The conditions apply to unsecured lending programs (cash, non-targeted, consumer loans). The completed certificate is valid for 30 days from the date of receipt.

The paper must contain the following:

• Name of the applicant;
• job title;
• company name;
• TIN, OKPO;
• address;
• information about the employee's income for the last year on a monthly basis (minus all available deductions);
• signatures of the head, accountant.

Post Bank

The new financial organization, opened on the basis of the Russian Post and VTB 24, is becoming more and more popular. It offers attractive loan programs with loyal requirements for borrowers. Income certificate 2 personal income tax or in the form of a credit institution is not required to obtain a loan from this institution. The loan is issued according to the passport, SNILS and TIN. The applicant's credit history is checked and a decision is made based on this.

Raiffeisenbank

In this financial institution, a potential borrower / co-borrower / guarantor can confirm his solvency with free format paper. The condition applies to all mortgage and consumer lending programs without exception. The certificate can be downloaded on the official website of the financial institution or compiled independently. The document must contain standard information about the applicant and the employer, the average salary for the entire time of employment in the company, the signatures of the management and the seal.

Tinkoff

This bank is known for the most loyal requirements for potential borrowers. Most products from Tinkoff are available to Russians without any certificates at all, with a passport. The issuer checks the applicant's credit history and makes a decision on granting/not granting a loan. However, if it comes to large amounts or mortgage programs that this bank has recently launched, then a certificate in the form of an institution or 2 personal income tax significantly increases the chances of approving an application and a significant amount.

The document is filled in free format, but must contain the following:

1. Employee data.
2. Company details.
3. Employee income for the last 6 months.

Absolute

This financial institution offers the population several lending programs. All bank products provide the opportunity to confirm income in the form of the issuer. However, the requirements vary depending on the chosen program. If an application is submitted for a consumer loan, then the document must reflect the applicant's salary data for the last six months. For car loan programs, refinancing and mortgage loans, a certificate is accepted with income data for the last year.

The document includes the following sections:

• information about the employer;
• information about the employee (position, salary net of taxes);
• data on responsible persons.

SKB

In this bank, most loan programs are available to the public with a certificate in the form of the issuer. The requirements of the financial institution are loyal. The bank does not need information about deductions and monthly payments. The certificate must reflect the total income of the potential borrower for the last 6 months. The rest of the information about the company-employer and the employee is standard.

rebirth

This financial institution offers several lending programs. All types of loans are provided without collateral. When applying for any type of loan, you can confirm solvency with a certificate of 2 personal income tax or in the form of a bank. In the second case, the requirements for filling out the form are standard. Information is provided for the last 12 months of work.

The document should include the following items:

• Full name of the employee;
• company details;
• salary data including all deductions for the last year;
• signatures of the chief accountant and head.

Bank of Moscow

This financial institution belongs to the VTB 24 group of companies, so the list of requirements for potential borrowers from these banks is similar. The information is provided for the last year of work of the employee in the company. It is important to indicate all deductions and deductions in the certificate. The document form can be downloaded on the website or received at a bank branch. All data is entered in free cells. The form is certified by the signatures of the management and the seal. The document is valid for 30 days from the date of receipt.

Center Invest

This financial institution offers Russians several different loans for consumer needs, the purchase of a car or housing. Salary customers and depositors of Center Invest Bank can get a loan without income certificates. New borrowers have the right to present any option to confirm their solvency. A sample certificate can be downloaded on the bank's website or a document can be drawn up in free form. The validity of such paper after receipt at work is 30 days.

This credit institution requires the following information to be reflected:

1. Data of the employer enterprise: name, TIN, KPP, current account, PSRN, BIC, contacts.
2. Employee data: full name, TIN, salary information for the last year (sometimes for 6 months).
3. Data on deductions from the employee's salary per month.
4. Management signatures, seal.

Unicredit

To obtain a loan from this financial institution, the applicant can submit a certificate in free form. It is important that the document contains the following:

• information about the employer;
• employee details;
• potential borrower's income for the last 3 months;
• signatures of responsible persons and the seal of the employing company.

Renaissance

When applying for a loan at this financial institution, applicants can replace the 2 personal income tax certificate with a document in the form of a bank. The terms apply to consumer and auto lending programs. The conditions of the issuer differ in that the paper is relevant only 2 weeks after receipt at work. Renaissance Credit Bank requires detailed information on the applicant's income broken down by months for the last year, before tax deduction.

When filling out, be sure to indicate the following information, in addition to income data:

• personal data of the employee (applicant);
• details of the employer's company (TIN, OGRN, OKPO, name);
• telephones: personnel department, manager, accounting department;
• address of the institution (legal/actual).

Deltacredit

It is possible to confirm solvency with a document that is filled in free form or according to the model of the issuer not only when applying for a consumer loan. The branch of Rosbank - Deltacredit accepts such confirmation as an alternative to 2 personal income tax. Issuer's requirements are standard. You can download the paper to fill out on the official website or get it at the branch.

The salary certificate in the form of the bank of this financial institution has three sections that must be filled out:

1. Details of the employer company (contacts, address, TIN, etc.).
2. Data of the employee of the potential borrower (position, salary, bonus part, type of income).
3. Signatures of the manual and seal.

Video: what does a bank statement mean