Documents confirming the income of an individual: list, features

Today, a citizen can request a document confirming income in the case of applying for a loan, applying to social protection authorities for benefits, adoption or adoption of children left without parental care, when registering as a person in need of housing. This is not all the circumstances under which it is worth considering how to confirm your profitability, their list is huge. This article will tell you how to confirm the income of your family and your own.

Basic profitability information

The main document confirming income is obtained at the place of work. To do this, you should contact your manager with a written statement stating that you need to get a certificate from him about your salary for a certain period of time (this period will be indicated to you by the organization that expects you to receive this information).

The employer has the right to consider your application within three days. After that, he is obliged to submit a document confirming the income of an individual, signed by the chief accountant.

Typically, the validity of the certificate is unlimited, but some organizations, especially banks, record the date of its receipt, and if you are late in presenting the document, you will be asked to take a new certificate for the new period for receiving wages.

What is an income statement of an individual?

As already mentioned, they receive a document confirming income directly in the organization in which the person is officially employed.

The certificate must indicate:

1. Date received.
2. Name of the employee who received it.
3. Position held citizen.
4. Amount of cash earned. At the same time, the document indicates exactly all the money you earned, even those that went towards the deduction of personal income tax (PIT), as well as all bonuses, compensations, and financial assistance.

If a woman went on maternity leave, then her earnings are calculated on the basis of the sick leave and child allowance. But the monthly payment at birth is not indicated in the certificate.

The accounting department may submit a certificate written in free form or in the form of 2-NDFL.

What other documents can confirm your income?

Sometimes, confused, a person does not immediately understand what documents confirm the income. In addition to a certificate of income, a citizen may present:

1. Income statement or credit card statement.
2. If he is a pensioner, he can take a copy from his pension certificate or receive an official document confirming income at the Pension Fund office at his place of residence. The fund’s specialists will give a certificate stating the amount of monthly pension contributions.

What if the company is liquidated?

In this case, to search for documents confirming the receipt of income, you must contact the archive or for help to the liquidator.

If your searches have not yielded positive results, then the court can help establish earnings.

How to be individual entrepreneurs (IP)?

For the individual entrepreneur, the tax return for the reporting period will be a document confirming the income, while it should bear a special mark from the tax service that she really received it.

How do unemployed people confirm income?

Unemployed people turn to social protection bodies, which provide a certificate stating that a person does not have basic earnings.

In addition, a copy of the work booklet, in which the records of employment and dismissal from it are visible, will be required for this certificate.

You can also submit a certificate from the Employment Center, which will also confirm that you are unemployed.

Why are documents proving family income necessary?

Certificates confirming family income are requested by the social protection authorities. This is necessary if the family draws up any benefits. To do this, submit the following documents:

1. Certificate of income of both spouses for a certain period of time (this is a period of three, six and 12 months).
2. If the children are adults and already work, but they are indicated in the certificate of family composition, then it is necessary to provide information about their income. If adult children are not indicated in the certificate of family composition, then this is optional.
3. Certificate of family composition.

If the total income divided by the number of family members is less than the size of the subsistence minimum, the family will be recognized as poor and it will be entitled to receive material assistance and various social benefits (child support, nursing mother allowance, compensation payments for preschool institutions , reduced fares and others).

What to do if your income indicated in the certificate is not enough to achieve the desired goal?

If, having received this information on hand, you understand that a loan for improving your living conditions or for a trip on a long-awaited vacation does not shine for you, you can use the following alternative methods:

1. Report available additional earnings, property or bank deposits. Many credit organizations meet their customers if, for example, you rent out your existing property, work part-time and get good income for it or have interest on the deposit. All this information must be declared and a copy of the declaration submitted to the bank.
2. You can choose another bank in which the conditions for issuing loans are not so strict.
3. Present a certificate confirming the earnings of the spouse.

Do not forget about integrity

Today, it is widespread practice of providing false income statements purchased from special organizations or ordered on the Internet.

These documents are illegal. At any time, they can be checked by tax specialists. Such a scam will not work with large banks, as they carefully check their customers and require additional documents to be submitted that record the fact of your employment.

Remember that all information is carefully checked by employees of credit organizations, and do not forget that you may face serious consequences for providing false data and income.