Almost everyone sooner or later faces the need to obtain a loan for one purpose or another. For an officially employed person, this procedure most often presents no difficulties. After all, he can confirm his solvency quite easily.
And what about those who receive wages "in an envelope"? For such applicants, many financial institutions offer another option - a certificate in the form of a bank. By the way, such a document significantly increases the chances that the loan will be approved. After all, when filling out here you can specify any type of income received: gray and white salary, one-time payments, bonuses and other financial income.
Where can I get a sample certificate for a loan and how to fill it out correctly? We’ll talk about this.
Help requirements for a loan
As already mentioned, there is practically no financial institution that would not require confirmation of the solvency of the client in one form or another. The exception may be only microfinance organizations. Here you will be given a small amount at fabulous interest and will not become too interested in what means you will pay off the debt from.
Before considering a sample certificate for obtaining a loan, it is worth saying that such a document is of three variations:
- 2 – personal income tax;
- on the development of a banking institution;
- in free form.
What information and in which case to require, the financial organization decides independently. Most often it depends on the amount that the client is applying for. Each of the forms has its own advantages and disadvantages. Therefore, further we will talk in more detail about what certificates are needed to obtain a loan and where to get them.
Document 2-PIT
This form is, in fact, the employer's report to the fiscal authorities. It contains information about exactly what amounts were transferred to the employee by the enterprise and for which months.
The help form for obtaining a loan 2-PIT is nowhere to be taken. Even an ordinary accountant of any enterprise is absolutely familiar with such a document. Therefore, all that a person needs to do to obtain such a document is to contact the accounting department of the organization in which he is employed. An accounting officer will prepare it in a few days. In rare cases, the procedure may take about a week.
You can easily see the sample certificate for obtaining a loan in this article. 
It contains such information:
- Name and details of the organization that issued it.
- Information about the individual to whom the document is issued. His surname, TIN, year, day and month of birth, number and series of the passport and address of the place of registration.
- Monthly accruals for a specific period and accounting codes.
- Codes and amounts of tax deductions.
- The current seal of the enterprise and the signature of the official who endorsed the document.
The certificate from the place of work for obtaining a loan does not have a certain limitation period, because it contains information about an event that has already taken place and cannot be changed. But some financial institutions require the provision of a “fresh” document. Do not argue and refuse. Moreover, you can order such a document in your company at least every day. The company where you are employed cannot refuse to issue such a certificate.
Bank form reference
To facilitate the lending process and attract as many customers as possible, many banks refuse to work with 2-personal income tax. In such cases, financial institutions independently develop a certificate form for obtaining a loan. Its advantage lies in the fact that it is possible to enter information on any client’s income, including not quite official ones.
As a rule, a person is simply issued a sample certificate for a loan and the term is called during which it will be considered valid. The following information is entered into the document:
- The name of the company, its details.
- Surname, name of employee (loan seeker).
- The position held by the employee.
- Duration of work in the organization.
- The expiration date of the employment contract and the likelihood of its extension.
- The average monthly earnings over the past six months.
- The presence of bonuses, bonuses and other privileges.
- Some other information (on request).
The certificate must certainly be certified by the signature of the head or chief accountant of the company where the applicant for the loan is employed. Printing is also required.
Free form of the document
In the event that a potential borrower applies for a fairly small amount, filling out a certificate to obtain a loan can generally come down to just formality. For example, you will be asked to bring any certificate of employment printed on the letterhead of the organization. A document can be filed in free form and contain, for example, such data:
- average monthly wage;
- the amount of annual (semi-annual) earnings for the previous period;
- the size of the actual arrears of salaries to the employee;
- other information.
Of course, the trust of financial institutions in such a document will be much lower, but sometimes it can be a good way out of the situation when there are simply no other options to confirm the income.
How else to confirm your solvency
Sometimes there are situations when the employer not only does not formalize your employment relationship, but also completely refuses to provide you with any document confirming your income. What to do? How to confirm your solvency in this case?
There may be several options. For example, you can provide the bank with a statement of your bank account, which receives a certain amount from time to time. A document proving the presence of a deposit or ownership of any valuable property is suitable as confirmation of solvency.
It is worth remembering that the less confirmed information you provide to the bank about yourself, the more carefully the security service will check you. There are many methods to check the solvency of a potential client. So if you do not plan to receive a refusal, it is best to only provide reliable information about yourself.
What happens if the certificate turns out to be fake
The smallest that can happen if false information is provided, you will simply be refused a loan. In addition, employees of a financial institution can enter information about such a fact in the internal databases of the bank and record a fraud attempt in your credit history. This is fraught with the fact that you will be denied a loan anywhere, wherever you subsequently apply.
But things can turn out to be much worse. Many banks are not too lazy to punish such "customers" in accordance with the letter of the law. Providing a fake income statement "pulls" on Art. 159 or 327 of the Criminal Code, which means fraud or the use of a deliberately false document, respectively. And this is a completely different story ...