What is a certificate of income in the form of a bank? Help on the form of the bank, examples of filling

Of course, each bank is interested in,to issue credit funds only to solvent borrowers. That is, people who are timely returned to the institution and the principal amount, and accrued interest. Of course, on an "honest word" no one will give you a loan, especially if it is a question of a more or less large amount.

For those who have a real income levelsignificantly exceeds the official salary, the best way out will be a certificate of income in the form of a bank. What is this "beast" like? Let's try to understand more in detail.

Why do I need a certificate in the form of a bank?

Here, many may have a question: "Why is it necessary to find a certificate in the form of a bank?"

In recent years, employers increasingly givepreference "salary in envelopes" in order to reduce tax deductions, etc. Therefore, many borrowers have problems with confirming their income level. We do not have to count on getting more or less solid amounts.

Strictly speaking, to solve this problem, an alternative scheme was invented, which involves obtaining a certificate of income not of the usual type, but of the form of the bank.

What is indicated in this document?

Fill in the form for the bankvery fast. Of course, different institutions may require you to indicate various additional information about yourself and your work, but the main points remain the same. First of all it is:

• surname, name and patronymic of the borrower;
• position held by a person;
• work experience at the current place;
• term of the employment contract;
• the volume of wages for 6-12 months. (depending on the conditions of the bank);
• the size of the salary by months for the required period.

At the same time, the bank does not care whether the employer pays taxes and other payments to the budget and various off-budget funds.

What should I fear?

Of course, a certificate in the form of a bank is a very convenient thing for you as for a borrower. But it must be approved by the employer.

Despite the fact that there is no official threat to thethe employer does not bear the confirmation of such a document, not everyone will agree to sign it. Many fear that if such a paper turns out to be taxable, and the level of the real salary of an employee will be significantly different from that indicated, accountants of the company may suffer punishment in the form of dismissal and fine. Therefore, before issuing a certificate of income in the form of a bank, it is better to consult the authorities beforehand. To confirm the income the employer will agree only for that employee, in which he is 100% sure.

Are the terms of the loan different?

The reference on the form of the bank is an additional risk for the financial structure itself, because cases of fraud with such securities are not uncommon.

This means that to issue the required amountthe bank needs to be reinsured. That is, it is not necessary to count on favorable conditions in this case - interest on the loan will be higher, and the loan term will be lower.

How do they check income statements?

In any case, the certificate you providebank, will be checked. In each such institution there is a special division of economic security, which deals with this. Simultaneously, the credit history, the reputation of the borrower and all negative information are checked.

The value and reliability of the data specified in the document and the correctness of the document are important.

It is important to understand that the bank can call inthe accounting department of your company to find out whether you have provided the true information in the certificate. Other ways in this case are rarely used, but the bank may ask about your biography, family situation, the presence of your own apartment, car, etc.

How to confirm the unofficial income?

Do not think that a certificate of the form of the bank -this is one way to confirm informal income. After all, it is formalized only if you receive an official salary, but in fact the employer gives you more than indicated on the paper. And on the certificate itself, there must be a seal of the organization whose employee you are.

If we are not talking about "salary in envelopes", butabout other ways of unofficial income, it is better to confirm these sources of profit. For example, if you rent an apartment, the lender can recognize this income as official if you provide him with a contract and a tax return statement.

But not always there is a desire and an opportunity to "shine" their informal income before the tax. How to be in this case?

Providing guarantors is widely practiced. The guarantor must have a sufficiently high level of "white" income and provide the bank with all relevant certificates. If for some reason the borrower himself can not make payments, the guarantor will be paying off the loan.

If you are creative (draw, writebooks, etc.), this way of earning can also be confirmed. Firstly, you yourself can pay your fees to your card account. Secondly, most likely, the bank will require physical evidence of this kind of your activity (published and printed books, pictures). It should be understood that the "gray" income is never fully accounted for. Usually only 20-40% of unofficial income is taken into account. In addition, banks take into account only regular incomes, which are accounted for at least six months.

And, at last, the most convenient way is to issuethe card of the bank where you are going to take the loan. If you do not transfer a salary to a card, you can make your own money there every month. It is important that the amount is received regularly and is approximately the same in volume - in this case, the bank will be sure that, whatever the source of your income, it is really stable.

Sample bank certificate form

What does the bank certificate look like? A sample of this document for "Sberbank" is as follows:

And here is the reference in the form of the "Bank of Moscow".

As you can see, nothing complicated in the completion of this document can not be.