A certificate of income in the form of a bank is an alternative version of reporting documentation that is required by credit structures in some cases.

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

An employer can issue such a certificate with greater desire than a 2-NDFL: it does not require filling out unnecessary data that is not of interest to the banking institution.

The financial structure issuing loans is not interested in tax deductions, but exclusively in issues of real earnings.

Note

Samples of income certificates in the form of a banking institution can be obtained directly from the website of the banking institution chosen to receive 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 a bank form income document

The certificate is actual evidence of the level of financial income of the borrower in need of a loan. The reporting form on the receipt of funds for a specific employee is displayed on special forms issued by the financial institution itself.

It should contain the following data:

• Full name of the employee;
• the position he holds;
• total length of service in the company;
• period of validity of the employment contract;
• the average level of wages for the specified period;
• monthly salary for the last year, scheduled.

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

Nuances of filling out the certificate

Graphs providing data about the employee and his employer are often absolutely identical. They differ in the form of providing salary information.

Some structures require that total amounts for the year be indicated with deductions; other banks may request information on financial receipts for a certain period, broken down by month. For other institutions, it is enough 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 characterized by dishonesty do not have the opportunity to add any extraneous information to them.

A certificate in the bank form is necessary to reduce the risk of loss of finances by the credit structure. All data provided to the institution is subject to mandatory verification.

Of course, every bank is interested in issuing loans only to solvent borrowers. That is, people who promptly return both the principal amount and the accrued interest to the institution. Of course, no one will give you a loan on your word of honor, especially if we are talking about a more or less large amount.

For those whose real income level significantly exceeds the official salary, the optimal solution would be an income certificate in the form of a bank. What kind of “beast” is this? Let's try to figure it out in more detail.

Why do you need a bank certificate?

Here, many may have a question: “Why do you need a certificate in the bank form?”

In recent years, employers increasingly prefer “salaries in envelopes” in order to reduce tax deductions, etc. Therefore, many borrowers have problems confirming their income level. Thus, there is no need to count on receiving more or less substantial amounts.

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

What does this document indicate?

Filling out a certificate according to the bank form is very quick. Of course, different institutions may require you to provide various additional information about yourself and your work, but the main points remain the same. First of all this:

• last name, first name and patronymic of the borrower;
• the position the person holds;
• length of service at the current place;
• duration of the employment contract;
• salary volume for 6-12 months. (depending on the bank’s conditions);
• monthly salary for the required period.

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

What should you be wary of?

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

Despite the fact that confirmation of such a document does not officially pose any threat to the employer, not everyone will agree to sign it. Many fear that if such a document ends up in the tax office, and the level of the employee’s actual salary differs significantly from the indicated one, the company’s accountants may be punished in the form of dismissal and a fine. Therefore, before issuing a certificate of income in the bank form, it is better to consult with your superiors in advance. An employer will agree to confirm income only for an employee in whom he is 100% confident.

Are the loan terms different?

A bank form certificate is an additional risk for the financial structure itself, because cases of fraud with such papers are not uncommon.

This means that in order to issue the required amount, the bank needs to reinsure itself. That is, in this case you cannot count on favorable conditions - the interest on the loan will be higher, and the loan term will be shorter.

How are income certificates checked?

In any case, the certificate you provide to the bank will be checked. Each such institution has a special economic security unit that deals with this. At the same time, the credit history, reputation of the borrower and all negative information are checked.

The reliability of the data specified in the document and the correctness of filling out the document are also important.

It is important to understand that the bank can call your company’s accounting department to find out whether the information you provided in the certificate is correct. Other methods are rarely used in this case, but the bank may ask about your biography, marital status, whether you have your own apartment, car, etc.

How to confirm unofficial income?

You should not think that a certificate in a bank form is one of the ways to confirm unofficial income. After all, it is issued only if you receive an official salary, but in fact the employer gives you more than what is indicated on paper. And the certificate itself must bear the seal of the organization of which you are an employee.

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

But it is not always possible to “shine” your unofficial income to the tax office. How to be in this case?

Providing guarantors is widely practiced. The guarantor must have a sufficiently high level of “white” income and provide all relevant certificates to the bank. If for some reason the borrower himself is unable to make payments, the guarantor will be responsible for repaying the loan.

If you are engaged in creative work (drawing, writing books, etc.), this method of earning money can also be confirmed. Firstly, you yourself can deposit the received fees into your card account. Secondly, most likely, the bank will require this type of your activity (published and printed books, paintings). It should be understood that “gray” income is never taken into account in full. Usually only 20-40% of unofficial income is taken into account. In addition, banks only take into account regular income that has been credited to the account for at least six months.

And finally, the most convenient way is to get a card from the bank where you are going to take out a loan. If your salary is not transferred to the card, you can deposit all the money there yourself every month. It is important that the amount arrives 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 truly stable.

Sample certificate in bank form

What does a bank certificate look like? A sample of this document for Sberbank looks like this:

And this is what the certificate looks like according to the Bank of Moscow form.

As you can see, there can be nothing complicated in filling out this document.

At the bottom of this page you can download a sample income certificates in the form of SKB-Bank. The sample was taken from the official website of this bank.

Why do you need an income certificate?

When applying for a loan, banks ask you to provide a certificate confirming your income. This can be a certificate in form 2-NDFL, or a certificate in the form of a bank. When submitting, you will also be asked to choose which of these certificates you can provide. To find out which certificate is best to choose, read on.

Certificate in bank form and certificate 2-NDFL - what is the difference?

In short, the 2-NDFL certificate indicates your official taxable salary, and the bank certificate indicates your real salary.

Let's explain with an example. Let's say your salary is 35,000 rubles per month. However, your official salary is 20,000 rubles per month in your accounting department. It turns out that the remaining 15,000 is an unofficial part of the payment, and it is not taxed.

Unfortunately, in Russia, many enterprises practice this type of remuneration in order to pay less taxes. Banks understand this, and in order to accommodate borrowers, they allow you to provide not a 2-NDFL certificate, which indicates only the official salary, but a certificate in the bank’s form. In this certificate you can indicate your real salary (i.e. 35,000 rubles, in this example). The certificate will have to be signed by your manager, the chief accountant, and it must also be certified by a seal.

And, of course, with a larger salary, you can count on a larger loan amount. The profitability of a certificate in the bank form can be seen using the SKB-Bank loan calculator. According to his calculations, with an income of 20,000 rubles. per month, the maximum possible loan amount will be 422,300 rubles. And with an income of 35,000 rubles. per month will be 738,900 rubles. Tangible difference, right?

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

Why are such certificates needed?

A bank form certificate is a document that can be used to confirm gray and black income. Previously, credit organizations 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 not profitable for either the employee or the employer.

Banks are well aware of this situation, and do not want to lose solvent clients due to difficulties with paperwork. Therefore, about five years ago, the trend changed: a certificate on the bank’s form appeared, a sample of which the borrower can download on the website of the relevant credit institution.

The entire gray part of 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 chief accountant (if there is one) are a mandatory requirement when drawing up this document.

What do income certificates from banks look like?

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

Alfa-Bank requires that the employee’s passport data be included in the certificate, and the salary is indicated not once in the average monthly amount, but for each month for six months, for which a special plate is provided in the form. But there is no need to list deductions. You just need to enter the salary amount after all deductions.

Where to get sample certificates

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

Some banks do not develop specific templates and offer clients to provide a certificate drawn up in free form. 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 a bank form, it is better to entrust filling it out to your company’s accountant. If it is not there, 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 income structure, as well as the requirements of the credit institution to which the certificate will be provided in the bank form. Sberbank, for example, wants to see detailed information about income.

In particular, it is required to indicate the average monthly deductions from wages. This can be not only personal income tax, but also alimony, unpaid advance payments, overpaid amounts, and many other deductions. Not everyone can 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 cannot be done with a certificate in the bank form

You are mistaken if you think that a bank form certificate is needed for show. It is checked no less carefully than other documents submitted by the borrower. If you are tempted to sign instead of the manager yourself and tell the bank that the organization does not have a seal, then it is better to destroy this idea 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 that he supposedly signed! It's even worse if the phone number listed on the certificate doesn't actually belong to your employer. Such things are easily verified, and if it turns out that you lied, you will not be able to get a loan from this or any other bank for a long time.

Why are employers reluctant to sign bank certificates?

If you tell your boss that you need a certificate on a bank form, you may encounter misunderstandings. Employers “keep” employees on menial jobs only because they want to save on taxes. And when the manager signs such a certificate, he actually admits that his company maintains black accounting.

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

But if you work without official employment, then the manager, most likely, will not give you this certificate for any price. After all, 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 certificates

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 if the interest rate on the loan is increased. If the certificate is provided in combination with 2-NDFL, then the increase in the rate may depend on what part of the income is confirmed in 2-NDFL. Alfa-Bank once had a bonus that was applied when confirming the 2-NDFL form for less than 50% of the salary.

Since 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 Alfa-Bank form will now be useful only if you decide to apply for a car loan from this bank. For all other loan products, 2-NDFL is required.

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

VTB 24 - Certificate of income according to the bank form (download)

Bank Uralsib - Certificate of income according to the bank form (download)

Bank Trust - Certificate of income according to the bank form (download)

Bank of Moscow - Certificate of income according to the bank form (download)

Bank Vozrozhdenie - Certificate of income according to the bank form (download)

Sberbank - Certificate of income according to bank form

Rosselkhozbank - Certificate of income according to the bank form (download)

Rosbank - Certificate of income according to the bank form (download)

Raiffeisenbank - Certificate of income according to the bank form (download)

Promsvyazbank - Certificate of income according to the bank form (download)

ICD - Certificate of income according to the bank form (download)

Every borrower planning to take out a cash loan or mortgage in this financial institution should be prepared for the fact that a certificate will be required in the form of UniCredit Bank. This is not a simple condition, but a specific requirement that must be fulfilled.

Why is a certificate needed, and how to fill it out correctly, where to get a sample and form of the document, and what details must be included in the certificate. All these points are discussed in detail in the material.

The main purpose for which the bank developed this certificate was to provide clients with the opportunity to confirm not only income from their main place of employment, but also additional earnings.

The client can submit a 2-NDFL certificate and a certificate in the bank form to certify income. It is important that the last document is drawn up according to the rules.

Attention! Certificate in the bank form - a simplified version of 2-NDFL, without information about tax deductions. It is important for the lender how much the borrower receives in hand, and not accruals in the accounting department of the organization where he is employed.

What are the requirements for it?

Since the certificate from UniCredit Bank is provided in free form, there are a number of requirements for filling out the document that are mandatory for borrowers.

The certificate must be filled out correctly and contain the following information:

1. Information about the borrower, including address, phone number, passport details.
2. Information about the employing company, incl. all tax details, address and telephone number of management, accounting department.
3. Official and additional income for the last six months. Amounts are posted monthly.
4. Client's busy period.

At the end of the document, the signature of the director and chief accountant (if any) of the company must be placed. The certificate is certified by the seal of the enterprise, otherwise the document will not acquire the required legal status.

Additional information on the topic of the note can be found in the video:

Where can I download the certificate form?

Obtaining a certificate of income in the form of UniCredit Bank is not very difficult, but to do this you will have to follow these steps:

1. Go to the official website of the bank and select a consumer loan.
2. In the attachments, find the certificate form.
3. Download in the standard way.
4. Print and fill out the document according to the sample.
5. Submit the certificate for review to a bank employee, together with the application.

All actions are standard and you don’t have to do anything complicated. The form is filled out by the manager or accountant of the company where the borrower works.

Sample of filling out the form

To have an idea of ​​how to correctly fill out a loan certificate, you should use the following sample.

Attention! If the certificate will be issued for different periods, for example, for several months of 2019 and for one month of 2019, then two certificates will need to be drawn up.

If you have any questions or difficulties related to filling out the document, you must contact the bank’s technical support.

Conclusion

The ability to issue a certificate using the lender’s form at UniCredit Bank will allow clients to confirm not only their main, but also additional income. In the future, this will increase the chance of getting a loan, and employees will be able to offer the client a more favorable loan rate.