Bank form help: filling out. Bank form reference (sample). Help on the form of the bank: filling in Help Rosbank

What is a bank form statement? Where can I get her sample? How to fill in and fill it out correctly? Is it legal? Why are employers reluctant to sign such certificates? Let's go in order.

Why do we need such certificates

A bank statement is a document that can be used to confirm gray and black income. Previously, credit institutions only accepted 2-NDFL or tax returns as proof of earnings. But in our country, many citizens are forced to work without official employment and receive gray or even black salaries. Paying taxes on large incomes is unprofitable for either the employee or the employer.

Banks are well aware of this situation, and they do not want to lose paying customers due to difficulties with "papers". Therefore, about five years ago, the trend changed: a certificate appeared in the form of a bank, a sample of which the borrower can download on the website of the respective credit institution.

All the gray part of the income fits into these certificates. The only problem is that not every employer will agree to sign such a document, while the signatures of the manager and the chief accountant (if any) are a mandatory requirement when drawing up this document.

What bank income statements look like

This is a kind of template questionnaire that the borrower must fill out. Each credit institution has its own bank reference. Sberbank asks to indicate the full name of the employee, his position, the date of commencement of work in this organization, information about the employing company (full name, addresses, phones of the personnel and accounting department, TIN, OGRN, bank details). Next, you need to disclose the average monthly income and average monthly retentions for the last six months. The certificate is valid for 30 days.

Alfa-Bank requires the employee's passport data to be entered into the certificate, and the salary is indicated not once on an average monthly basis, but for each month for six months, for which a special plate is provided in the form. But there is no need to list the retention. It is enough just to enter the amount of wages after all deductions.

Where to get samples of certificates

If a credit institution accepts a certificate in the form of a bank, a sample can be downloaded on the KO's website or received in paper form at its office.

Some banks do not develop specific templates and invite customers to provide free-form help. The main thing is that it meets a number of requirements: it contains the necessary information, is supported by the signature and seal of the employing organization, and is issued on the company's letterhead (rarely).

How to fill out these certificates correctly

If you need a certificate on the bank's form, it is better to entrust its filling out to the accountant of your company. If it is not there, then you will have to fill out the document yourself, since your manager is not obliged to do this.

How difficult it will be depends on your knowledge of the structure of income, as well as the requirements of the credit institution, to which a certificate in the form of a bank will be provided. Sberbank, for example, wants to see detailed income information.

In particular, it is required to indicate the average monthly deductions from wages. This can be not only personal income tax, but also alimony, and unearned advance payment, and overpaid amounts, and many other deductions. Not everyone will figure it out on their own. If there were no deductions, then indicate the amount of tax withheld, and put dashes in the remaining fields.

What can not be done with a bank form certificate

You are mistaken if you think that the bank form certificate is necessary for a tick. It is checked no less thoroughly than the rest of the documents submitted by the borrower. If you are tempted to sign on your own instead of the head and tell the bank that the organization does not have a seal, then it is better to destroy this thought at the stage of its inception.

Just imagine what problems you will have at work when your boss gets a call from the bank and is asked to confirm the information in the certificate he allegedly signed! It’s even worse if the phone number on the certificate doesn’t really belong to your employer. Such things are easily verified, and if it turns out that you have lied, then for a long time you will not be able to get a loan either in this or in any other bank.

Why employers are reluctant to sign bank statements

If you tell your boss that you need a certificate on the bank's form, you may face a misunderstanding. Employers "keep" employees on black wages only because they want to save on taxes. And when the manager signs such a certificate, he actually admits that black bookkeeping is being conducted in his company.

If an employee is officially employed, then he also runs the risk of making problems with the tax authorities, because all citizens are required to pay taxes on income. However, the bank, on its own initiative, will not transfer this information anywhere, unless an appropriate court decision will be made.

But if you work without official employment, then the manager, most likely, will not give you this certificate for any price. Indeed, in the event of a conflict with your superiors, you can always complain to the labor inspectorate that you were allowed to work without concluding an employment contract, and then the employer will bear administrative responsibility.

Disadvantages of bank statements

Based on the above, the first drawback is obvious - this certificate is not so easy to issue.

The second disadvantage is that some banks accept this document only on condition of an increased interest rate on the loan. If the certificate is provided in combination with 2-NDFL, then the premium to the rate may depend on what part of the income is confirmed in 2-NDFL. Alfa-Bank used to have a supplement that was applied when confirming the form 2-NDFL less than 50% of the salary.

As the economic situation in the country has changed for the worse, the risks for banks have increased, and credit institutions are tightening requirements for borrowers. For example, a certificate in the form of "Alfa-Bank" is now useful only if you decide to apply for a car loan in this bank. All other loan products require 2-NDFL.

Thus, a certificate in the form of a bank will help out if it is not possible to confirm income with a 2-NDFL certificate. However, with such a document, the chances of approval of the loan are less, and the interest rate on the approved loan is higher than if 2-NDFL was provided.

VTB 24 - Statement of income in the form of a bank (download)

Bank Uralsib - Statement of income in the form of a bank (download)

Bank Trust - Statement of income in the form of a bank (download)

Bank of Moscow - Statement of income in the form of a bank (download)

Bank Vozrozhdenie - Statement of income in the form of a bank (download)

Sberbank - Statement of income in the form of a bank

Rosselkhozbank - Statement of income in the form of a bank (download)

Rosbank - Statement of income in the form of a bank (download)

Raiffeisenbank - Statement of income in the form of a bank (download)

Promsvyazbank - Statement of income in the form of a bank (download)

MKB - Statement of income in the form of a bank (download)

In order to obtain a loan, the bank must provide documents from the proposed list. For each individual program, the package of documents for a loan at Rosbank may differ. If the client is unable to provide any of the listed, the bank has the right to refuse to issue a loan without explaining the 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 needs

It is possible to obtain a consumer loan in cash not only on standard terms, there are tariffs for salary clients and employees of partner companies. Registration of a loan with the provision of collateral and surety is allowed.

With a regular consumer loan for any needs, the future borrower will need to provide a package of documents, which includes:

RF passport;
Income document - certificate 2-NDFL, in the form of a bank, statement of bank or salary accounts, 3-NDFL, etc.;
With a loan of more than 400 thousand rubles - a copy of the work book, stamped and signed by the employer;
For military personnel - a certificate from the military unit about the passage of service and military rank or an officer's certificate.

It is enough for salary clients to provide only a passport. For employees of partner companies - a passport of the Russian Federation and a document confirming the borrower's income (2-NDFL, in the form of a bank, etc.).

The rest of the documents for obtaining a loan from Rosbank with the provision of collateral and surety include:

Documents similar to the borrower for the guarantor;
When registering a car as a pledge - the original title and the Auto Casco insurance contract. If the object of the pledge is registered in the name of a spouse, it is necessary to provide their passport.

Car loan registration

The package of documents for obtaining a loan from Rosbank for a new car differs from the standard one, it includes:

RF passport;
Document of your choice - driver's license (hereinafter referred to as VU), international passport, SNILS, military ID;
VU of all persons who are allowed access to vehicle management;
Proof of income (for salary clients, the condition is not applicable);
If the car loan amount exceeds 600,000 rubles - a copy of the work book certified by the employer;
Borrower or his close relative.

A package of documents for a Rosbank mortgage

If it is necessary to obtain a mortgage, then the list of documents for this type of lending by Rosbank will look like this:

RF passport with copies of all pages;
Certificate 2-NDFL or in the form of a bank;
A copy of the work book with a record that the client is working to the present;
Additionally, you need to collect documents for the acquired property - a document of ownership, technical documentation, copies of passports (certificates) of real estate sellers.

To get a credit card

The package of documents for issuing a credit card at Rosbank, or in other words, a loan for current expenses will be as follows:

RF passport;
Proof of income;
Official employment document.

Confirmation of income when applying for a loan can be carried out in the 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 the approval of the application for a loan and the issuance of cash, the client must, within 30 days, submit to Rosbank a document on the full repayment of the existing loan or closing the card.

Conclusion

Any application is considered on an individual basis. If necessary, in addition to the main package of documents for a loan, Rosbank may request additional documents. If the submitted package of documents is incomplete, Rosbank may refuse to apply for a loan.

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Help in the form of Rosbank is included in the package of documents that is provided when applying for a loan. Confirmation of the borrower's income is needed in order to reduce the bank's risks associated with non-repayment of funds. If you have a certificate, the likelihood of the application being approved by the security service increases. If there is no 2-NDFL, the client can fill out the form of the credit institution to confirm the amount of his salary.

The official form of the bank's income statement for Rosbank can be downloaded from our website or obtained from the branch of the credit institution.

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

To obtain a loan from Rosbank, you must provide a complete package of documents. It includes a passport, as well as one of the documents containing information about income:

2-NDFL;
certificate on the form of Rosbank;
certificate in the form of the employing organization;
statement of the salary account;
certificate of the amount of pension (for working pensioners);
tax return for individuals in private practice.

Rosbank does not provide an opportunity to get a loan using a passport without income certificates. With a loan amount of more than 400,000 rubles, an additional copy of the work book is provided, certified by the employer.

The official confirmation of income is the 2-NDFL form. Not all solvent borrowers can provide this document. The reason may be:

understated official wages;
long process of registration of 2-NDFL;
lack of official income.

In these cases, it is possible to use an alternative option - to provide Rosbank with a certificate in the form of the bank.

The certificate provided by the borrower is kept in his bank file. The information it contains is not intended for use by the tax authorities or other government agencies.

When do you need help?

What credit products require the obligatory provision of a certificate of income in the form of Rosbank:

refinancing of loans issued by third-party banks;
mortgage (the certificate is provided by both the main borrower and co-borrowers);
credit card with a limit of over 100,000 rubles.

Credit guarantors also provide a bank statement on income.

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

The reliability of the information on the borrower's salary specified in the certificate on the Rosbank form is checked by the employees of the economic security service... If an attempt is revealed on the part of the borrower to mislead the bank, the loan will be refused.

An income statement in the form of a bank must be drawn up by an accounting officer. The document can be signed by the head, deputy head, acting head, as well as the chief accountant or a person replacing him. If the position of the chief accountant is not provided for in the state, the certificate can only be certified by the head of the organization.

Employers who are not sole proprietors are required to put a blue seal on the document.

A document on the amount of wages, filled in according to the Rosbank form, cannot be signed by the borrower himself or his relative. Such a certificate will not be accepted for consideration by the credit institution.

What information must be indicated in Rosbank's income statement:

the name of the branch of the credit institution where the loan application was made;
date of issue of the document;
name, surname and patronymic of the borrower;
date of employment in the organization;
the full name of the employer with an indication of the organizational and legal form;
TIN, OGRN and OKPO of the employer;
location of the legal entity;
the actual address of the organization;
manager's phone number;
monthly salary after tax for the period established by the terms of the loan product;
signature of the head or chief accountant with a transcript;
organization seal;
the phone number of the accounting department or the personnel department.

All fields that are present in the certificate on the Rosbank form are required. An incorrectly executed document will not be accepted by the credit institution, it will have to be redone.

The income statement is valid for 30 days. If more than a month has passed since the date of registration, the credit institution will request up-to-date information.

Help in the form of the bank will help you get a loan without providing 2-NDFL in Rosbank, indicating the amount of actual, not official earnings. At the same time, the credit institution will offer favorable conditions, since the document is a confirmation of the client's solvency.

The income statement in the form of a bank is an alternative version of reporting documentation that credit structures require in some cases.

Sample filling

Each banking structure has its own developed version of the letterhead format. It contains direct information about the potential borrower and the organization in which he works.

The employer can issue such a certificate with a greater desire than 2-NDFL: it does not require filling in extra data that are not of interest to the banking institution.

The financial institution issuing loans is not interested in tax deductions, but solely in matters of real earnings.

Samples of income statements in the form of a banking institution can be taken directly on the website of the banking institution selected for obtaining a loan. You can contact the appropriate department of the financial institution where the borrower plans to get a loan.

The bank independently sets the period during which the certificate is considered valid.

Features of the document on income of the bank form

The certificate is the actual proof of the level of financial receipts of the borrower in need of a loan. The reporting form on the receipt of funds for a specific employee is displayed on special blank samples, which are issued by the financial institution itself.

It should contain the following data:

Full name of the employee;
the position in which he is;
general work experience in the company;
the period of validity of the employment contract;
the average level of wages for the specified period;
monthly wages for the last year, scheduled.

After filling, the document is signed by the head of the organization and the person in the position of the chief accountant. Then it is certified with the appropriate seal.

Nuances of filling out a certificate

The columns providing data about the employee and his employer are often absolutely identical. They differ in the form of providing information on salaries.

Some entities require the reporting of total amounts for the year with deductions, while other banks may request information on financial receipts for a specific period, broken down by month. For other institutions, it is sufficient to indicate the total amount for the specified period without breakdowns and deductions.

If there are blank lines, you must put dashes in them. This manipulation is necessary so that persons who are distinguished by dishonesty do not have the opportunity to add any extraneous information to them.

Help on the form of the bank is necessary to reduce the risk of loss of finance by the credit structure. All data provided to the institution are subject to mandatory verification.