It is important for any lender not only to issue a loan, but also to receive a guarantee of its return. As a confirmation of the borrower's solvency, the lender requires a 2NDFL certificate or an alternative one - in the form of a bank. Consider what a Sberbank bank statement looks like in 2019, where to download its form, how to fill it out, in which cases you can do without it at all.

Help on the Sberbank form for a loan or mortgage

The official income statement of an individual 2-NDFL is a confirmation of his current financial position.

It contains information about:

• employer;
• the borrower employee and his income for a certain period (usually a year);
• tax deductions;
• deductions from wages.

That is, the most complete data on the current solvency of the recipient of the document. The certificate is signed by the director and certified by the seal; it is mandatory when receiving large loans, for example, mortgages.

If it is impossible to obtain 2-NDFL from the employer, you can confirm your income with a certificate on the Sberbank form

Sometimes the borrower cannot provide 2-NDFL due to the form of ownership of the enterprise where it works, certain regulations for maintaining its documentation, etc. Many creditors in such cases accept a certificate in the form of a bank, and Sberbank is no exception. He not only accepts it, but also allows you to download the 2019 bank form in advance on his website for preliminary review and filling out. It should be filled in by an accountant or director.

You can also request a sample bank form certificate from Sberbank in person, coming to one of the offices. A member of staff will kindly provide it. It should be noted that the document has a limited validity period.

The certificate is valid no more than 30 days from the date of signing.

Download the 2019 form

Help appearance (don't use the image, below is the file to download):

Sample filling

The form of a certificate in the form of a bank in 2019 at Sberbank (which can be downloaded above) for obtaining a loan or mortgage is a simplified form of personal income tax-2.

It contains information about:

• income of an individual;
• current place of work;
• positions;
• existing experience.

Contains comprehensive information about the place of work:

• postal and physical address;
• phone numbers of accounting and personnel department;
• IIN and OGRN numbers;
• bank details (bank account and credit card).

According to the terms of Sberbank, filling out a certificate in the form of a bank requires exact compliance with all of its requirements. In the explanation of the form, according to the footnotes at the bottom of the sheet, there is a detailed instruction.

So, when filling out the line about the length of service, if the employee is still working at the specified job, it is written "according to the current time." If the employee is dismissed, the date of dismissal is indicated. In the field of average monthly income and deductions, 6 months are taken for consideration, with less seniority, the number of actually worked and paid months of work and the average monthly income for this time are entered.

In Sberbank, a certificate of income in the form of a bank in 2019, is submitted with the signatures of the manager and the chief accountant, certified by the seal. If there is no chief accountant at the place of work, then both signatures are put by the head, but with a note that there is no accountant position at this enterprise.

The same applies to the seal: legal entities - JSC, PJSC and LLC affix it if available, guided by the charter of the legal entity. In the absence of a seal, only signatures are put.

When you can do without a certificate of income

If the client has an active salary card in Sberbank, a certificate in the form of the bank will not be required - the lender is therefore aware of the financial situation of the borrower. He will ask for it if for six months the card has not received salary accruals for more than 4 months. You will also need to obtain a certificate if the borrower wants to take into account several sources of income, because each of them requires a separate confirmation.

Sometimes it is not necessary to confirm the financial position of those who have a deposit in Sberbank. However, in this case, the bank will take into account whether there have been receipts on it (at least 4) for the last 6 months. The presence of an open and timely repaid loan in Sberbank also plays in the client's favor and can eliminate the need to draw up confirmation of income.

Other ways of confirming income

In the case when the borrower works in a state institution, the regulatory documents of which restrict the possibility of issuing an official certificate of income to employees - to obtain a loan, a certificate in the form of a Sberbank bank will be replaced by another one, according to the existing model of such an institution.

At the same time, it must contain the data:

• about the employee (full name);
• the whole name of the state institution or the number of the military unit;
• his mailing address;
• Accounting department telephone number;
• average monthly and total earnings and retentions (preferably with a breakdown) for six months or actually the number of months worked;
• the document must be signed by an accountant, indicating his full name and certified by the seal of a state institution.

Such paper fully replaces the certificate in the form of Sberbank Bank 2019. It may additionally indicate the position occupied by the bank client and the length of service. This data is signed by an authorized person. In this case, you will not need to submit a document confirming the employment of the borrower.

All of the above applies not only to the borrower, but also to co-borrowers and guarantors. In Sberbank, a certificate on the form of a bank for a mortgage, consumer loan or other loan does not differ. The 2019 sample is relevant.

Conclusion

In Sberbank, a certificate on the form of a bank of the sample of 2019, the form of which can be downloaded on our website, is an absolute replacement for 2-NDFL. The document has a validity period of 30 days from the date of its signing. The form is the same for all types of loans and mortgages.

The solvency and financial stability of the borrower is the main requirement of Sberbank when issuing loans to individuals. To confirm the level of income from the applicant, an appropriate certificate in the 2-NDFL form will be required. Not all employers issue such a document, while violating the Labor Code. If the employee is officially registered, this unwillingness of the employer is an administrative violation. There are situations when an enterprise simply cannot issue 2-NDFL to its employee. An alternative option is a certificate in the form of the Sberbank bank, developed and established by the credit institution itself.

Upon request for information, a bank statement submitted to Sberbank resembles 2-NDFL. The document also contains all information about the organization, the employee and his average monthly salary. The difference is that in the first case, the employer is responsible for the accuracy of the information provided, and in the other - the Federal Tax Service. Therefore, the 2-NDFL form is taken into account by the creditor unconditionally.

The form provided by the bank has the name "Certificate for registration of a loan / surety". It is drawn up when the applicant cannot provide an official document on the level of his income. Banking organizations realize that a significant part of Russians are paid wages "in envelopes" or they work for individual entrepreneurs, where there is no way to get 2-NDFL. Therefore, a special form was developed to assess the financial condition of the applicant. Each bank has its own structure and rules for filling out the form.

What is the document for?

In what cases you may need a document:

1. The borrower's official salary is lower than the real one, which does not allow him to get a loan.
2. An individual works unofficially.
3. In addition to salaries, there are other sources of income that require documentary evidence.
4. The company is not able to provide the employee with 2-NDFL.

A certificate is required to confirm the borrower's income and is required when applying for any type of loan (consumer, car loan, mortgage). Only on the basis of the information received, the bank will be able to consider the client's application for a bank loan.

Pros and cons

Of the advantages of the document, the following points can be noted:

• an employee with an unofficial salary has a chance to approve a loan application;
• the document can be considered when issuing a mortgage.

But there are also significant disadvantages:

• It is not always possible to obtain such a paper from an employer. The employee's specified salary will be the actual proof of the employer's illegal actions - concealment of income and non-payment of taxes to the state in full.
• Due to the complexity of verifying the veracity of the information received, the bank considers such documents to be risky. Therefore, the borrower will not be able to count on optimal conditions from the lender - the minimum interest rate or the desired loan amount.
• If a certificate in the form of a bank is provided to Sberbank for obtaining a mortgage, then the client expects a particularly thorough check of his data and the employer. If the information does not match the real information, credit denials are possible.

What the sample looks like

A sample certificate in the form of Sberbank bank has the form of a standard form, which indicates the following data:

1. Date of preparation;
2. the name of the branch of Sberbank that issued the certificate;
3. Full name of the employee (borrower);
4. an indication of the period during which the applicant works in the organization (if the employee works in this enterprise, the date of employment is currently indicated);
5. full name of the organization;
6. the organization's data is filled in (address, phone numbers of the accounting department, personnel department, OGRN, TIN, bank details, BIK);
7. the position of the applicant;
8. the average monthly income of an employee for the last 6 months;
9. average monthly withholding for 6 months (personal income tax and payments to the employer);
10. the signature of the head indicating the full name;
11. signature of the chief accountant with full name;
12. at the end of the document the company stamp is put.

If the employer is an individual entrepreneur, then the staff may not have a chief accountant. In this case, the certificate is certified by the person performing the duties of the accountant. If it is not there, then the head signs and makes a note that the position of the chief accountant is not in the staffing table.

The seal is not placed only if, according to the charter of the organization, an electronic analogue of the seal is used.

Download the 2019 form

Before filling out a certificate in the bank form for transfer to Sberbank, you must first download the document form on the official website of the banking institution. Usually, a link to download the form is placed on the page of the loan product, if it is possible to provide such paper.

The client can print the template, but only the chief accountant or the employer can fill out the form, if the position of an accountant in the company is not provided. In addition to the online option, the issuance of the form is provided at the bank branch.

Filling instructions and example

In practice, no difficulties arise when filling out the form. The sample was compiled by the financial institution in such a way that at the bottom of the downloaded form there are all explanations for the correct filling. The accountant or the head of the company where the borrower works, you only need to carefully and reliably enter the information in the fields of the form. It is necessary to fill in the columns strictly in accordance with the requirements of the banking institution, otherwise the certificate will be rejected.

It is especially important to truthfully state the employee's salary. This "inaccuracy" very often becomes the reason for refusal to credit, which negatively affects the credit history of the borrower and reduces his chances of obtaining a loan in the future.

How to get help step by step

Ordering a certificate is very simple:

1. First, take the form from the operator in the branch or download it on the Sberbank website.
2. Submit the blank form to the accounting department or to the employer if there is no accountant position.
3. The accountant (manager) fills out the form on his own, signs, confirms with a seal.
4. The completed form with the rest of the documents required for obtaining a loan, the client submits to the branch of Sberbank.

Validity

An important point in drawing up a salary certificate in the form of a bank is to indicate the date of registration. According to the rules of Sberbank, such a document is considered valid for 30 days after it is drawn up. If the deadline is missed, it is necessary to draw up a new paper.

Checking the certificate by bank employees

Many people are interested in whether Sberbank checks a certificate in the form of a bank? The answer is mandatory. And especially carefully if the application is submitted for a large amount or for a long period. The most scrupulous check is on mortgage loans. It is handled by the credit department and the security service of the banking institution. Initially, the credit manager checks the documents for falsification: a reconciliation of details and other data is done. Then they contact by phone with the employer or with the accounting department of the enterprise where the applicant works, and the specified salary is specified. The second option for checking the information about the borrower's earnings is to use the database on the payments of the enterprise to social funds, which will be evidence of the actual payroll of employees.

For large loans, the security service can be connected. If all information is submitted without distortion, then the document is accepted for further consideration of the loan application.

The thoroughness of the check is due to the fact that the bank considers the provision of information from the employer to a risk group. In some cases, the employer may, at the request of the employee, overestimate his level of income. At the moment, there are many "firms" that offer such a certificate for a fee.

Borrowers who use such dubious options and receive loans under false documents are subject to Article 159.1 of the Criminal Code of the Russian Federation “Credit fraud”. This article provides for a serious punishment - a large fine and even imprisonment for up to 10 years.

When you can do without help

Not always a certificate of income in the form of a bank is needed: in some cases, Sberbank does not require its clients to provide it. This is possible in such cases:

• The client participates in the salary project of Sberbank. An active salary card is a confirmation of the financial solvency of the borrower, therefore the bank does not require additional income certificates. The bank may request such information if there were no receipts on the salary card for 4 months or more. An additional document will be required if the borrower has several more sources of income.
• An open and timely repaid loan or deposit in Sberbank is also evidence of the client's solvency. If the deposit has not been replenished for at least six months, then the bank has the right to request information on the financial condition.

A more difficult situation is for individual entrepreneurs who independently calculate their income and make tax deductions. For payers of personal income tax, a document confirming their earnings is a 3-personal income tax declaration. For entrepreneurs under the simplified taxation system, such a document is a declaration under the simplified tax system. As for the UTII declaration, it will not be able to replace the certificate in the form of the bank Sberbank. Income in this case is calculated using baseline data and adjustment factors, so real income may differ.

Alternative ways to prove income

If at state-owned enterprises, according to administrative documents, it is not possible to provide employees with such an official document, then civil servants can provide a document based on the model of this enterprise. The sample contains the following information:

1. Full name of the employee;
2. the exact name of the enterprise or military unit with an indication of the address;
3. accounting phone number;
4. average salary and total earnings for the last 6 months.

The certificate is certified by the signature of the chief accountant and the seal of the state-owned enterprise. If the document indicates the length of service of the employee and his position, then it will no longer be necessary to provide information about employment to submit a loan application.

For individual entrepreneurs working on UTII, there are 2 ways to confirm their earnings.

Today Sberbank is the largest financial institution in Russia, annually lending to individuals and organizations for a huge amount. To obtain a loan, you need to collect the required package of documents and fill out a standard application. A reference form to Sberbank for a loan is one of the main documents. You can download it on this page or get it at any branch of Sberbank, if you contact an employee with such a request.

Basic requirements for a certificate for obtaining a loan

Certificate of income as one of the main conditions for obtaining a loan from Sberbank

The procedure for filling out the income statement form in Sberbank

• Full Name;
• the legal name of an organization or enterprise;
• full details of the place of work, including contact numbers, bank account and address. This column can be left blank if the borrower works for an individual entrepreneur who does not have such data;
• Enrollment Date;
• the position of the borrower;
• average income in rubles or foreign currency over the past six months. For those who have worked less than this period, the accountant calculates the average income for the actual time of work.
• average expenses for six months. This refers to government taxes and other costs, not the use of wages on your own.

Required package of documents for applying for a loan

Terms of submission and validity of the certificate

It is possible to issue a mortgage in Sberbank only if there is a complete set of documents, the list of which is established by the credit committee. Help on the form of Sberbank for a mortgage is a document confirming the stability of the financial position of the borrower. The high salary shown on the paper significantly increases the borrower's chances of getting the mortgage approved.

Loan specialists pay special attention to the income of a potential client. They take into account not only the official salary (confirmed by a 2-NDFL certificate or a paper in the form of Sberbank), but also additional sources of profit that the applicant has (rent payments, royalties, dividends on shares, etc.). Clients owning large property (apartment, car, yacht, etc.) can count on additional scoring points.

When assessing the financial condition of the borrower, allowances, pensions and other forms of material assistance provided by the state are taken into account. When filling out the application form, the counterparty of Sberbank must estimate the total income of his own household. The calculations performed should not significantly differ from the figures indicated in the financial documents.

The loan officer assesses not only the profit of the household, but also the general expenses of the client's family budget (alimony, payments under orders of execution, insurance premiums, etc.). The loan burden of the applicant is analyzed especially carefully. If loan payments exceed 40% of the total family budget income, then the application for a mortgage will be rejected.

An application for a home loan is considered only if the following papers are available:

• Identity card (passport of a citizen of the Russian Federation);
• Statement;
• The second identity document of the borrower;
• Employment history;
• Documentation confirming the presence of additional income (statement of a brokerage account, bank deposit agreement, receipts of rental payments, etc.);
• Papers on;
• Certificate of eligibility (if any);
• Documents confirming the right to receive state benefits.

The list of papers is not exhaustive. The credit committee may require additional information. The maximum number of scoring points is gained by borrowers who have provided detailed information about their financial situation. The main source of income for the overwhelming majority of Russian citizens is their salary. That is why the Sberbank employee is closely studying the certificate, which indicates the amount of wages for the last 5-6 months.

The document must contain the following information:

• Date of registration;
• Branch name of PJSC Sberbank;
• Full name of the applicant;
• Full name of the employing company;
• HR department phone;
• Accounting contact details;
• INN and OGRN of the company;
• BIK and details of the current account of the company in which the potential borrower works;
• Position held;
• Average monthly income;
• The amount of monthly deductions (including taxes and other deductions);
• Full name and phone numbers of the director and accountant of the organization.

Help on the form of Sberbank for a mortgage is certified by the seal of the company in which the potential client works. The reference form can be obtained from the Sberbank office or downloaded from the official website of the credit institution. Not all Russian firms comply with the Labor Code and issue 2-NDFL certificates. Paper, drawn up in the form of a bank, is an alternative to a certificate, which reflects only the official income of the borrower.

The data specified in the certificate is checked by the credit inspector for falsification. An employee of Sberbank conducts a number of examinations, paying attention to various inaccuracies, inconsistencies in details and other details. After that, the manager calls the employer and clarifies the size of the client's official salary. If all the data specified in the paper are reliable, then the certificate is accepted by the credit committee of Sberbank.

On the corners of houses and on the Internet you can see ads, the authors of which promise to "make" a 2-NDFL certificate or a document in the form of a bank. Scammers demand several thousand rubles for their services. Some of the criminals simply "throw" people who transfer money to them on a card or electronic wallet. They do not make any inquiries, but simply disappear with the money of gullible citizens in an unknown direction.

"Honest" criminals really "stamp" certificates in the form of Sberbank for a mortgage, forging seals, signatures and the size of the salary of the "leader of production". Sometimes dishonest employees of the personnel department are engaged in falsification of documents. They issue real work books, which indicate "" and non-existent incentives received by the "employee". Employees of commercial companies can enter into criminal conspiracy with corrupt officials from the tax office. In this case, the criminal business can be really widespread.

A potential client of Sberbank using dubious services must understand the full danger of criminal transactions. Every year the courts send to jail Russian citizens who received loans on fake documents. We must not forget that a new article has appeared in the Criminal Code of the Russian Federation called "Fraud in the field of lending." Violators of the law will face a large fine and imprisonment for up to 10 years. This also applies to those citizens who were going to honestly repay the loan received on fake certificates.

To obtain a loan, banks ask customers for a 2-NDFL certificate, which indicates the amount of income for the last time. Based on this information, a decision is made to issue a loan or to refuse this service. What to do when there is income, but there is no 2-NDFL certificate?

Alas, not all people in Russia can boast of receiving a "white" salary. Banks understand this, so they are ready to make concessions. It is enough to bring a usual certificate from the place of work, in which the employer honestly indicated the actual amount of wages. In order not to force an accountant or secretary to come up with the texts of such documents, a reference template has been developed. It is printed and filled by hand. Then the document is certified with a seal.

Statement on the form of the bank about income

A bank statement usually contains the following: the name of the employee, the name and address of the employer, contact information, the position of the employee, average monthly income, income for the last few months. At the end of the document - signatures (for example, of the CEO and accountant) and the seal of the organization.

Sample certificate in the form of the bank of Sberbank

Every second loan in Russia is processed through Sberbank. The institution also requires confirmation of the level of income with a 2-NDFL certificate or a certificate in the form of a bank. The latter looks like this.