Of course, each bank is interested in issuing credit funds only to solvent borrowers. That is, people who will promptly return to the institution both the principal amount and the accrued interest. Of course, on an “honest word” no one will give you a loan, especially when it comes to a more or less large amount.
For those who have a real income level significantly higher than the official salary, the best way would be a certificate of income in the form of a bank. What kind of "beast" is this? Let's try to understand in more detail.
Why do I need a certificate on the bank form?
Here, many may ask: "Why do I need a certificate in the form of a bank?"
In recent years, employers have increasingly preferred "salary in envelopes" to reduce tax deductions, etc. Therefore, many borrowers have problems with confirming the level of income. Thus, one does not have to count on receiving more or less substantial amounts.
Actually, 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 is indicated in this document?
Filling out a certificate in the form of a bank is very fast. Of course, various institutions may require you to provide various additional information about yourself and your work, but the main points are retained. First of all, these are:
- surname, name and patronymic of the borrower;
- position held by the person;
- seniority at the current place;
- validity of the employment contract;
- salary for 6-12 months. (depending on the conditions of the bank);
- 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 extrabudgetary funds.
What to fear?
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 officially no threat to the employer is confirmed by such a document, not everyone agrees to sign it. Many fear that if such a paper appears to be in the tax, and the level of the employee’s real salary will significantly differ from that indicated, the company's accountants may be punished by dismissal and a fine. Therefore, before issuing a certificate of income in the form of a bank, it is better to consult with your superiors in advance. The employer agrees to confirm income only for the employee in whom he is 100% sure.
Are loan conditions different?
A statement 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 in order to issue the required amount, the bank needs to be safe. That is, in this case it is not necessary to count on favorable conditions - the interest on the loan will be higher and the loan term less.
How to check income statements?
In any case, the certificate that 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 the filling of the document also matter.
It is important to understand that the bank can call the accounting department of your company to find out if the information you provided is true in the certificate. Other methods are rarely used in this case, but the bank may be interested in your biography, marital status, availability of your own apartment, car, etc.
How to confirm unofficial income?
You should not think that a certificate in the form of a bank is one of the ways to confirm unofficial income. After all, it is made out only if you get 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 “salary in envelopes”, but about other methods of unofficial income, it is better to confirm these sources of profit. For example, if you rent an apartment, the lender may recognize this income as official if you provide him with an agreement and a tax return.
But far from always there is a desire and opportunity to “shine” their unofficial incomes before the tax. How to be in this case?
The provision of guarantors is widely practiced. The surety must have a sufficiently high level of “white” income and provide the bank with all relevant certificates. If for some reason the borrower himself cannot make payments, it is the surety who will repay the loan.
If you are engaged in creativity (draw, write books, etc.), this way of earning money can also be confirmed. Firstly, you yourself can make the received fees to your card account. Secondly, most likely, the bank will require material evidence of this kind of your activity (published and printed books, paintings). It should be understood that gray incomes are never fully accounted for. Usually only 20-40% of unofficial income is taken into account. In addition, banks take into account only regular income that is credited to the account for at least six months.
And finally, the most convenient way is to get a card of the bank where you are going to take a loan. If your salary is not transferred to the card, you can independently deposit all the money there every month. It is important that the amount is received regularly and be 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 on the bank form
What does the certificate look like in a bank? A sample of this document for Sberbank is as follows:
And here is the certificate in the form of the Bank of Moscow.
As you can see, there can be nothing complicated in filling out this document.