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 issuing credit funds only to solvent borrowers. That is, people who are timely return 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 level well above the official salary, the best way out is a certificate of income in the form of a bank. What is this "beast" like that? 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 prefer "salary in envelopes" in order to reduce tax deductions, etc. Therefore, many borrowers have problems with confirming their income level. It is therefore not necessary to expect to receive more or less substantial 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?

Filling in help on the form of the bank is very 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, it does not matter to the bank whether the employer paid taxes and other payments to the budget and various extra-budgetary funds.

What should I fear?

Of course, a certificate on 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 the employer to confirm such a document, not everyone will agree to sign it. Many fear that if such a paper turns out to be in the tax, and the level of the real salary of the employee will be significantly different from that specified, 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. Confirm the income the employer will agree only for the 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 the bank must be reinsured to issue the required amount. That is, it is not necessary to count on favorable conditions in this case - the interest on the loan will be higher, and the crediting period will be less.

How do they check income statements?

In any case, the certificate you provide to the bank 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.

It is important and reliable data specified in the document, and the correctness of the document.

It is important to understand that the bank can call your company's accounting department to find out whether you have provided the true information in the certificate. Other methods 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?

One should not think that a certificate in the form of a bank is one way to confirm unofficial incomes. After all, it is formalized only if you receive an official salary, but in fact the employer gives you more than indicated on 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" but about 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 the 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, write books, etc.), this way of earning can also be confirmed. Firstly, you can pay your own 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 take into account only 20-40% of unofficial income. In addition, banks take into account only regular incomes, which are accounted for at least six months.

And, finally, the most convenient way is to issue a card of the bank where you are going to take out a loan. If the salary is not transferred to the card, you can make all the money there yourself every month. It is important that the amount is received regularly and is approximately the same in size - in this case, the bank will be sure that, whatever the source of your income, it is truly stable.

Sample certificate on the form of the bank

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.