What is a bank form certificate? Where to get her sample? How to draw it up and fill it in correctly? Is this legal? Why are employers reluctant to sign such certificates? Let's go in order.
Why do you need such certificates?
A statement on the bank form is a document with which you can confirm gray and black incomes. Previously, credit organizations accepted only 2-personal income tax or tax returns as proof of earnings. But in our country, many citizens are forced to work without formal 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 they do not want to lose solvent customers due to difficulties with paperwork. Therefore, about five years ago, the trend changed: a certificate appeared in the form of a bank, a sample of which the borrower can download on the website of the corresponding credit organization.
All gray part of the income fits into these certificates. The only problem is that not every employer agrees to sign such a document, while the signatures of the head and chief accountant (if any) are an obligatory requirement when preparing this document.
What do bank earnings certificates look like?
This is a kind of questionnaire template that the borrower must fill out. Each credit institution has its own certificate in the form of a bank. Sberbank asks for the name of the employee, his position, the date of commencement of work in this organization, information about the employer company (full name, addresses, phone numbers of the personnel and accounting department, TIN, PSRN, Bank details). Next, you need to disclose the average monthly income and average monthly deductions for the last six months. Help is valid for 30 days.
Alfa-Bank requires the employee’s passport details to be entered in the certificate, and the salary is indicated not once in the average monthly amount, but for each month within six months, for which a special plate is provided in the form. But deductions do not need to be listed. It is enough to enter the amount of wages after all deductions.
Where to get reference samples
If a certificate is accepted in the credit organization in the form of a bank, the sample can be downloaded on the KO website or obtained in paper form at its office.
Some banks do not develop specific templates and offer customers to provide free-form help. 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 has been issued on the company letterhead (rarely).
How to fill out these certificates correctly
If you need a certificate on the form of the bank, it is better to entrust it with the accountant of your company. If it is not, then you have to fill out the document yourself, as your manager is not required 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 a certificate in the form of a bank will be provided. Sberbank, for example, wants to see detailed income information.
In particular, monthly average deductions from wages are required. This can be not only personal income tax, but also alimony, and an unearned advance, and excessively paid amounts, and many other deductions. Not everyone will 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 can not be done with help on the bank form
You are mistaken if you think that a certificate in the form of a bank is needed for a tick. It is checked no less carefully than other documents submitted by the borrower. If there was a temptation to independently sign instead of the head and tell the bank that the organization does not have a seal, then it is better to destroy this thought at the stage of its inception.
Just imagine what problems will arise at your work when the boss is called from the bank and asked to confirm the information in the certificate, which he allegedly signed! Even worse, if the phone number indicated on the certificate does not actually belong to your employer. Such things are easily verified, and if it turns out that you have lied, then for a long time you will not be able to get a loan at this or any other bank.
Why are employers reluctant to sign certificates in the form of a bank
If you tell your boss that you need a certificate in the form of a bank, you may run into confusion. Employers "keep" employees on black money only because they want to save on taxes. And when the head signs such a certificate, he actually admits that his company is conducting black bookkeeping.
If an employee is officially employed, he also runs the risk of making problems with the tax authorities, because all citizens are required to pay income taxes. However, the bank, on its own initiative, will not transmit this information anywhere, unless an appropriate court decision is made.
But if you work without official employment, then the head, most likely, will not give you this certificate for any kind of haircuts. Indeed, in the event of a conflict with the bosses, you can always complain to the labor inspectorate that you were allowed to work without concluding a labor contract, and then the employer will bear administrative responsibility.
Disadvantages of certificates on the bank form
Based on the foregoing, the first drawback is obvious - this certificate is not so simple to issue.
The second minus is that some banks accept this document only subject to an increased interest rate on the loan. If the certificate is provided in combination with 2-PIT, then the rate premium may depend on how much of the income is confirmed in 2-PIT. Alfa-Bank once had an allowance applied when confirming with the 2-NDFL form less than 50% of the salary.
As the economic situation in the country has changed for the worse, the risks for banks have increased, and credit organizations are tightening requirements for borrowers. For example, a certificate in the Alfa-Bank form is now useful only if you decide to apply for a car loan in this bank. For all other loan products, 2-personal income tax is required.
Thus, a certificate in the form of a bank will help out if it is not possible to confirm the income with a 2-NDFL certificate. However, with such a document, the chances of approving the loan are less, and the interest rate on the approved loan is higher than if 2-NDFL was provided.
VTB 24 - Statement of income in the form of a bank (download)
Uralsib Bank - Statement of income in the form of a bank (download)
Trust Bank - Statement of income in the form of a bank (download)
Bank of Moscow - Income statement in the form of a bank (download)
Bank Vozrozhdenie - Income statement in the form of a bank (download)
Sberbank - Statement of income in the form of a bank
Russian Agricultural Bank - Statement of income in the form of a bank (download)
Rosbank - Statement of income in the form of a bank (download)
Raiffeisenbank - Bank Income Statement (download)
Promsvyazbank - Income statement in the form of a bank (download)
MKB - Statement of income in the form of a bank (download)
