Form of income certificate for obtaining a loan from Rosbank. Certificate on bank form (sample). Help on the bank form: filling out. Why is a certificate of income filled out according to the bank form?
In order to apply for a loan, you must provide the bank with documents from the proposed list. For each individual program, the package of documents for a loan from Rosbank may differ. If the client cannot provide any of the above, the bank has the right to refuse to issue a loan without giving reasons.
List of documents for obtaining a loan
In 2018, Rosbank offers a wide variety of lending programs:
- Cash loan;
- Car loan;
- Mortgage;
- For current expenses;
- Refinancing.
Cash for any need
You can get a consumer loan in cash not only on standard terms; there are tariffs for salary clients and employees of partner companies. It is possible to obtain a loan with the provision of collateral and guarantees.
With a regular consumer loan for any needs, the future borrower will need to provide a package of documents, which includes:
- Russian Federation passport;
- Document on income - 2-NDFL certificate, according to the bank form, statement of bank or salary accounts, 3-NDFL, etc.;
- For a loan of more than 400 thousand rubles - a copy of the work record book, with the seal and signature of the employer;
- For military personnel - a certificate from the military unit about completion of service and military rank or an officer's certificate.
Salary clients only need to provide a passport. For employees of partner companies - a Russian passport and a document confirming the borrower’s income (2-personal income tax, according to the bank’s form, etc.).
The remaining documents for obtaining a loan from Rosbank with the provision of collateral and guarantees include:
- Documents similar to the borrower for the guarantor;
- When registering a car as collateral - the original PTS and the Auto Casco insurance agreement. If the collateral is registered in the name of a spouse, you must provide their passport.
Applying for a car loan
The package of documents for obtaining a loan from Rosbank for a new car differs from the standard one, it includes:
- Russian Federation passport;
- Document of your choice - driver's license (hereinafter referred to as the driver's license), international passport, SNILS, military ID;
- ID of all persons who are allowed access to control the vehicle;
- Confirmation of income (condition not applicable for salary clients);
- If the car loan amount exceeds 600,000 rubles - a copy of the work record book certified by the employer;
- VU of the borrower or his close relative.
Package of documents for Rosbank mortgage
If you need to obtain a mortgage, then the list of documents for this type of lending from Rosbank will look like this:
- Russian passport with copies of all pages;
- Certificate 2-NDFL or according to the bank form;
- A copy of the work book indicating that the client is currently working;
- Additionally, you need to collect documents for the property being purchased - a document of ownership, technical documentation, copies of passports (certificates) of real estate sellers.
To get a credit card
The package of documents for obtaining a credit card at Rosbank, or in other words a loan for current expenses, will be as follows:
- Russian Federation passport;
- Income confirmation;
- Official employment document.
Confirmation of income when applying for a loan can be carried out in a form that is convenient for the client and depending on his type of employment. The maximum amount will be determined depending on the financial condition of the client.
When refinancing loans from other banks
The refinancing program will allow you to transfer your existing loan to more favorable conditions and a reduced rate.
The list of documents for refinancing an existing loan from another bank is presented below:
- Borrower's passport;
- Documents for a refinanced loan or credit card;
After approval of the loan application and cash disbursement, the client must, within 30 days, provide Rosbank with a document confirming full repayment of the existing loan or closure of the card.
Conclusion
Any application is considered individually. If necessary, in addition to the main package of documents for a loan, Rosbank may require additional ones. If the submitted package of documents is incomplete, Rosbank may refuse to issue a loan.
Each bank has rules that provide for approval to issue loans only to clients who have proven their solvency. A responsible borrower is obliged to repay the bank the entire loan amount with interest, do it on time and without delay. You can “tear your vest” by proving your honesty, but without documentary evidence no one will dare to give you a significant amount. To do this, you will need a certificate of income in the form of the bank. Let's take a closer look at this document and the rules for filling it out.
Why is an income certificate filled out according to the bank form?
It's no secret that many employees, in addition to their official salaries, receive additional bonuses in envelopes. Employers have many reasons for this, but we will not go into details, because this is not the subject of our discussion.
When coming to the bank for a loan, it is difficult for such a borrower to prove his level of income, as a result of which the bank refuses to issue large sums to the client in order to avoid risks.
What to do in such a situation? The solution has been found - this is a certificate of income in the form of a bank. The forms of all banks are very similar, but there are some nuances, which I will also talk about in this article.
What you need to fill out in the certificate
If you do not have all the information required to fill out the certificate, contact your accountant, who will tell you your salary for the last year (by month) and the amount of contributions to the tax authorities. Some credit institutions may require you to provide more data than you expected, but there is also a standard set of fields that you will have to fill out.
Any form will contain items such as:
- Full name of the employee wishing to take out a loan;
- Borrower's position;
- Work experience in the company providing the certificate;
- Monthly salary for the last 6-12 months;
- Deductions from wages (depending on the requirements of a particular bank).
The bank considers only the amount that remains after all deductions. Taxes, alimony, deductions on writs of execution can “eat off” a large piece of your salary, this must be taken into account when filling out the certificate.
What difficulties may arise
A certificate in the form of a bank is a salvation for many borrowers, but when it falls into the hands of the director, the chances of getting a loan can disappear like dust on the road.
Banks guarantee that such papers confirming clients’ income are exclusively internal documents and never leave the walls of credit institutions. Despite this, employers are in no hurry to sign bank certificates. The concerns are obvious. If such information falls into the hands of tax authorities, they may be interested in the difference between the salary included in tax reports and the real one. The chief accountant of the company cannot avoid trouble then. Before filling out the income certificate in the bank form, you should meet with management and get approval. If you are valued as an employee and are ready to meet you halfway, you can receive a certified document quickly.
If I take out a loan with a certificate, is this reflected in the terms of the loan?
Unfortunately, it is reflected. A certificate in the form of a bank does not guarantee 100% your solvency. There are frequent cases of forgery of such documents, inflated salaries, reduced deductions, etc.
All banks warn that the absence of Form 2 personal income tax will necessarily affect the interest rate and loan term.
Any bank needs money back guarantees. If you are not completely sure of this, you need to insure possible losses at least by increasing the interest rate.
Despite this unfortunate amendment to your loan agreement, the terms of each lender are different. Sometimes you can find offers in which a loan with a certificate in the bank’s form turns out to be more profitable than an offer from another (more well-known) bank with the provided form 2 personal income tax. He who seeks will find!
How does the bank verify your income certificate?
All certificates provided by clients are thoroughly checked. For this purpose, credit institutions have special departments responsible for economic security. First of all, your credit history is checked. This data allows you to form a “portrait of the borrower.”
Bank specialists can make several calls to your company to verify the data specified in the certificate. They may ask about your marital status, employee reviews, and whether you own any property. Of course, these are very personal questions that you or your work colleagues are not obliged to answer, but you need money and the decision may depend on these answers.
What can your unofficial income prove?
If you have an official job, then an income certificate in the form of a bank is an excellent way to confirm the entire amount of income you receive. If in fact you receive income that exceeds your official salary, then this is reflected in a document signed by the chief accountant and the head of the company.
But there are other ways to generate income that cannot be reflected in the certificate. This could be renting out real estate. You may have such income recognized if you provide proof in the form of a tax return on payment of taxes on the income received. If there is no evidence, such revenues will not be counted towards your budget.
Not everyone has the desire to demonstrate their income to the tax authorities. What can be done in such a situation?
We share responsibility with the guarantor
You need to find a guarantor with a solid “white” salary who can officially confirm his income by providing the necessary documents to the lender. The loan agreement states that in the event of your insolvency, responsibility is transferred to your guarantor. Most often, the borrower's relatives or close friends act as guarantors. If you can’t live up to your obligations, think carefully about the person you can set up.
Freelancer income confirmation
If you are freelancing or making a living as a “freelance artist,” your earnings can be demonstrated to the bank in the form of a statement from your card account. Regular payments to the card may indicate a constant receipt of income. You can also demonstrate to the bank the results of your activities in the form of painted paintings, websites, sculptures, interior designs, etc. The lender will take into account your application, but not in full (as a rule, no more than 50% of gray income is taken into account). The main thing in this matter is not the amount, but the regularity of payments.
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Collecting certificates for a loan is one of the labor-intensive aspects of obtaining loans from Russian banks in 2019, and since many citizens are employed unofficially and not everyone can provide the bank with a 2-NDFL certificate about their income information. For this case, a certificate is provided on the bank form for 2019, where the applicant can indicate his income and confirm it.
Here we will look at what type of bank certificate Rosbank requires in 2019 for a loan, and we will provide the form for downloading, since Rosbank accepts such certificates only on its official forms.
Data for filling out a certificate according to the Rosbank form
When filling out an income certificate, do not make mistakes; approval or refusal of a loan depends on the correctness of the information provided.The certificate is valid for thirty calendar days, during which you can submit it for consideration to the bank.
Indicate the details of the organization where you work and certify them with signatures and seals in the organization’s accounting department. It is worth noting here that if you receive a gray salary, then not every institution will agree to indicate your real earnings in the document, otherwise they may have difficulties with tax structures. First of all, discuss with your manager what salary he can confirm in writing; the amount of loan approval depends on this.