How long does a 2-NDFL certificate apply to a bank? This question is often asked by future borrowers when they are required to confirm solvency. After all, it would seem that this certificate displays information about the tax period that has already passed, and accordingly, limiting its validity does not make sense. But for different purposes, various reports for certain periods are needed. This also applies to certificates provided by banking institutions. Let's consider this question in more detail.
2-PIT income statement: sample and methods of obtaining
The income statement of an individual 2-NDFL is one of the forms of tax reporting that is strictly regulated by regulatory documents. In this form, the employer reports to the federal tax service on the income of workers officially employed and indicated in all statements.
Under the terms of tax legislation, the employer is required to report annually on the income of its employees until April 30, information is provided on paper or electronic media in the form of 2-NDFL certificates. The reference certificate is subject to uniform standards at all enterprises and does not depend on the industry.
The employer must independently provide the employee with a certificate upon his dismissal. In other cases, anyone who wants to receive reports on hand at any time can personally write an application for registration of 2-NDFL. The application form indicates the purpose for which the certificate is ordered, and the required reporting period. You can order a document an unlimited number of times, a tax agent is not entitled to refuse a request.
How long can a document be valid?
The legislation does not control the validity period of the tax reporting form for 2-NDFL. Despite the fact that the state provides for the possibility of making adjustments to tax returns, the data in 2-personal income tax, as a rule, remain unchanged. So, it can be recognized as perpetual.
However, an employee may need 2-PIT in a variety of situations, the most common of which are:
- to apply for a loan;
- for tax deduction;
- to apply for a visa at the embassy.
Depending on the purpose of the provision, the information in the certificate may be displayed in different ways. The statute of limitations of a document may also vary. How long does a 2-NDFL certificate apply to a bank? In this case, we should talk about the relevance of the period that is displayed in the income column.
Income expiration date for a credit institution
Despite the fact that 2-NDFL is recognized as unlimited, when applying for a loan, the bank has the right to submit requirements for the statute of limitations. These requirements are supervised by internal banking regulations and are aimed at establishing the solvency of a potential borrower.
How long does a 2-NDFL certificate apply to a bank? As a rule, the statute of limitations of an income document is limited to 30 calendar days. When calculating the shelf life, you should focus on the date of application. It is also important to consider the deadline for providing information in organizations. According to the law, the employer is obliged to prepare the requested documents on employment and income in a period not exceeding 3 working days.
For those who plan to get a mortgage or a loan for a large amount
The list of documents required by the bank to provide a loan is sometimes quite extensive. This is especially true for mortgages.Therefore, before applying for 2-NDFL, it is worth checking once again that all certificates are available, and only then request the issuance of an income statement.
How long does a 2-NDFL certificate apply to a bank when applying for a mortgage loan? As a rule, for such cases, the validity period of the certificate is even shorter - from 10 to 14 days. This is due to the need to reduce risks for the lender. In order to issue a large amount of cash for a long period, the bank must make sure that the borrower is solvent. For this reason, the latest figures on his official income are so important.
Is a request for an income document just a formality?
Does the bank check the 2-NDFL certificate? In fact, most credit institutions are especially careful about this issue. The specialist not only examines the document for fraud, but also compares the amount of the citizen’s income with the organization’s reporting data. That is why, when ordering a certificate, it is worth asking the accountant to be more careful, because if an inaccuracy is found, the bank may refuse a loan.
What if salary comes in an envelope?
Salaries called sulfur are far from uncommon, especially for employees of small enterprises. What should I do if the official tax reporting only shows a living wage that is insufficient to get a loan for a large amount?
Fortunately, banks that provide loans without 2-personal income tax are quite common in the country. There are such credit organizations that are just starting to build up a customer base. These banks are ready to issue a loan without any income documents, however, the interest rate will be justified for such risks.
For such cases in large banks of the country, it is possible to confirm income with a bank statement. Alas, not every loan program in its requirements allows such a document. Nevertheless, credit organizations are interested in any solvent and conscientious borrower, and often readily meet the client.
