It is important for any lender not only to issue a loan, but also to receive a guarantee of its return. As 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 certificate looks like in the form of a Sberbank bank 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 form of Sberbank for a loan or mortgage
Official statement of income individual 2-NDFL is a confirmation of its current financial situation.
It contains information about:
- employer
- the employee-borrower and his income for a certain period (usually a year);
- tax deductions;
- payroll deductions.
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 with a seal; it is mandatory when obtaining large loans, for example, mortgages.
If it is impossible to receive 2-personal income tax from the employer, you can confirm your income with a certificate in the form of Sberbank
Sometimes a borrower cannot provide 2-NDFL due to the form of ownership of the enterprise where he works, certain regulations for maintaining his documentation, etc. In such cases, many creditors 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 form in advance in the form of the bank in 2019 on his website for preliminary review and filling. It must be completed by an accountant or director.
You can also request a sample certificate in the form of a bank at Sberbank in person by coming to one of the offices. The employee will kindly provide it. It should be noted that the document is limited in validity.
The certificate is valid for no more than 30 days from the date of signing.
Download the 2019 form
Help appearance (don't use the image, there is a file to download below):
Sample Fill
A certificate form 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;
- telephone numbers of the accounting and personnel departments;
- IIN and OGRN numbers;
- bank details (r / s and c / s).
According to the terms of Sberbank, filling out a certificate in the form of a bank requires exact compliance with all its requirements. In the explanation to the form, according to the footnotes at the bottom of the sheet, there is detailed instructions.
So, when filling out the length of service line, if the employee is still working at the specified job, it is written “at 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 into consideration, with a shorter length of service, the number of actually worked and paid months of work and the average monthly income during 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 chief accountant, certified by a 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 legal entity. In the absence of a seal, only signatures are affixed.
When you can do without income certificate
If the client has an active salary card in Sberbank, a certificate in the form of a bank is not required - the lender is already aware of the financial situation of the borrower. He will request it if for six months no salary accruals have been received on the card 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 situation with a deposit in Sberbank. However, in this case, the bank will take into account whether there were receipts on it (at least 4) over the past 6 months. The presence of an open and timely repaid loan in Sberbank also plays in favor of the client and can eliminate the need to issue proof of income.
If you have a salary project in Sberbank, an active loan or a constantly replenished deposit, you will not need to provide information on income Other ways to confirm income
In the case when the borrower works in a state institution, the administrative documents of which limit the possibility of issuing an official certificate of income to employees, in order 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 following data:
- about the employee (full name);
- the entire name of the state institution or the number of the military unit;
- his postal address;
- telephone number of the accounting department;
- average monthly and total earnings and deductions (preferably with a breakdown) for six months or actually the number of months worked;
- the document must be signed by the 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 2019. It may additionally indicate the position held by the bank client and length of service. This data is signed by an authorized person. In this case, it will not be necessary 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 in the form of a bank for a mortgage, consumer loan or other loan does not differ. The current sample is 2019.
Conclusion
At Sberbank, a certificate in the form of a bank of the 2019 sample, the form of which can be downloaded on our website, is an absolute replacement for 2-personal income tax. 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.
Informational information of the client of the legal entity Sberbank sample form and details of filling
Contacting Sberbank on some issues often entails the collection of specific documents. Most often, when applying for a loan, you need to confirm your financial situation and solvency. In some cases, bank staff is ready to make concessions to a potential client - you only need to provide information about the client in the form of Sberbank (Appendix 10).
The collection of documents is relevant not only when applying for a loan, but also in other cases:
- opening a current account;
- partnership activities;
- registration of a deposit account;
- lending;
- other needs.
Where to get and how to fill out the form correctly
To transfer data to a banking institution, a special questionnaire is filled out. You need to know the identification code number, various certificates and much more. All that is required is to answer the questions in the questionnaire. For citizens of other countries and persons who do not have Russian citizenship, there is an additional list of questions. Before filling out the form and transmitting information about the client of a legal entity to Sberbank, a sample can be viewed on the website.
Legal entities fill out a form with the following fields:
- Full company name.
- Short name (possibly an abbreviation).
- If the organization provides for the designation LLC on English language be sure to enter this information.
- TIN or KIO (depending on whether the company is considered a resident).
- Information about state registration.
- Complete list of contact details.
- Legal address.
- The actual address.
- Availability and amount of authorized capital.
- Type of activity (as well as offered and produced services / goods according to the constituent documentation).
- The actual direction of activity.
- License to carry out the specified activity.
- Financial situation.
- Business reputation.
- The purpose of cooperation with a credit institution.
The official portal of Sberbank offers appendix 9a to pvk for review, the information of the client of a legal entity, which will be needed when filling out the questionnaire, can be found in this appendix.
What happens in case of refusal
The legislation prescribes clear terms for storing information about the client. You can't go beyond 10 years. This term comes into force and begins to operate from the moment the last payment was received from the client, or he fulfilled all the requirements and repaid the credit debt.
But it is worth remembering that the delegation of information about the client comes to the bank after the execution of the loan agreement and the transfer of the amount of money to the account. (Most often these actions occur in one day). In fact, the data storage periods increase for the period of time during which the loan is valid. Information about both the identity of the borrower and the loan is taken into account.
The legislation also provides for the storage of information regarding the refusal. True, when lending to legal entities, the legislation does not provide for the information part.
In 2018, these questionnaires continue to exist, information continues to be transmitted. To reduce the risk of rejection, it is recommended that you fill out the form in accordance with the available documentation.
Information information is a questionnaire in which the client (most often a banking institution) describes all personal data, information about codes, certificates received during state registration, and so on. The client needs to answer the questions presented in the questionnaire. For foreign citizens and stateless persons, the questionnaire contains a number of additional questions. This procedure is carried out in accordance with the norms of Law No. 115-FZ and serves to update information about the client in case of changes.
Client Information - individual entrepreneur have several main sections. In the first section “General data”, the individual entrepreneur enters his personal data - full name without abbreviations, TIN. In the case of a legal entity, in addition to the TIN, the KPP is also entered. But, there are cases when, due to ignorance of the legislative framework, the client-entrepreneur is also asked to make a checkpoint. However, such a code indicating the reason for the setting is not provided for by the current legislation of the IP. In the "KPP" column, the entrepreneur has the right to put zero or "no". This section also fills in the column of information received by the business entity during state registration with the Federal Tax Service, namely:
OGRNIP entrepreneur;
The date of its assignment, that is, the date of making changes to the state register;
The name of the tax authority that performed the procedure;
Place of registration - city, address.
Further, in the same column, citizens of Russia write down "Russian Federation", and subjects of the Russian Federation or municipal institutions - their full name. A separate line indicates the address of registration of the entrepreneur. It is the place of permanent residence, indicated in the passport or other document that replaces it. The actual place of residence of the individual entrepreneur is also indicated. Such an actual IP address can be considered the place of its commercial activities. The above data is entered in the column "Location Address".
Information information of the client - an individual entrepreneur provides for filling in the columns of the questionnaire with contact information. The email address of the individual entrepreneur is indicated, if it is absent, “no” is put. Mandatory to fill in is information about the telephone / fax of the entrepreneur.
Further, in accordance with the registration data, the IP enters information about the economic types of its activities. Be sure to indicate the OKVED code, according to which the business is conducted. If there are various additional codes, the entrepreneur deciphers their meaning. The IP chooses OKVED codes independently, based on the intended type of its activity, when registering with the Federal Tax Service. They are also indicated in the certificate issued during registration.
Type of license document;
His number;
Date and name of the issuing authority;
The validity period of such document;
A list of the activities that this license allows.
Information information of the client of an individual entrepreneur is collected by bank employees to find out the purposes for which the individual entrepreneur cooperates with the bank. The entrepreneur indicates the type of service that he receives in a banking institution: cash settlement, obtaining a line of credit, cash transfers, servicing the entrepreneur's accounts or other operations. Mandatory to fill in the column in which the IP client indicates whether there are relations with the specified bank on this moment and how long these relationships can have - long-term or short-term.
The bank, as a rule, asks to indicate the client-entrepreneur, for what purpose he carries out business: obtaining monetary profit or social activity. Also, the individual entrepreneur must indicate how often it is planned to receive money on his accounts, how many transactions will be carried out approximately per month / year, how often cash will be withdrawn and for what purposes it will be spent.
The individual entrepreneur also indicates the number of employees, if one works, he puts one. The numbers of accounts that are opened in other banks, if any, are recorded, indicating the current account of the banking institution, BIC, and the full name. The entrepreneur must enter information about permanent counterparties or recipients from funds accounts in the future. The name is indicated, and for legal entities - TIN, PSRN and legal address. The questionnaire is certified by the signature of the individual entrepreneur and the seal (if any).
Informational information of the client in the form of the bank
List and procedure for issuing documents for opening and servicing
accounts/depo accounts of a resident legal entity
List of documents for opening and servicing an account / depo account of a resident legal entity
Forms of the Depository for opening an account/depo account, issued by a legal entity in accordance with the Terms:
Application for custody services (SS-11) in two copies (if not provided earlier). If the client joins the "Terms and Conditions for the Provision of Brokerage Services of Sberbank of Russia", then instead of this document, an "Investor Application for Brokerage Services" is provided (provided once).
Instruction to open an account / depo account (provided for opening each depo account). If the client subscribes to the “Terms and Conditions for the Provision of Brokerage Services of Sberbank of Russia OJSC” and opens an “Owner” depo account, this document is not required.
Questionnaire of a legal entity. If the client joins the "Terms and Conditions for the Provision of Brokerage Services of Sberbank of Russia", then instead of this document, an Investor Questionnaire - a legal entity, drawn up in accordance with the requirements of this document, is provided.
Documents required for the Bank to identify the Depositor, its beneficiaries and beneficial owners in accordance with the law Russian Federation in the field of combating and legalizing proceeds from crime and financing of terrorism, as well as in accordance with internal documents/policies approved by the Bank:
(When filling in the information, there should not be empty columns, in the absence of details, “no” is put down)
Chapter. common dataFull nameAbbreviated nameTrade name/trademark (if any)Name on foreign language(if any) Legal form TIN (for a resident) / KIO (for a non-resident) Information on state registration 1 Main state registration number (OGRN) 2………………………………………………………. ………… Date of OGRN assignment…..……………………………………………………………………………………………………………… ……………………………………………………………………..……………Place of registration……………………………………… …………………………………………………………………………….… for the Russian Federation - the words "Russian Federation", for the subject of the Russian Federation - the full name of the subject of the Russian Federation, for a municipal formation - the full name of the municipality, for a foreign state - the full name of the foreign state. at the time of filling) Registered ______________________ _________________ Paid _____________________________________________ Main activities (incl. goods produced, services performed) in accordance with the constituent documents of OKVED……………………………………………………………..……………………………………… ………………………………………………………………………………………………………… Actual types of OKVED activities…………… …………………………………………………..…………………………………………………………...………… …………………………………………………………………………………………………………………………………… ……………………………………………………… Addresses of the main trade and / or production offices (if any, but not more than 5)1._________________________________________________2._________________________________________________3.________________________________________________4._________________________________________________5 ._________________________________________________Information on licenses for the right to carry out activities subject to licensing3 Type……………………………………………………………Number…………………………………… …………………… Date of issue ………………………………………………………………… Name of the authority that issued the license ………………………… …………….Validity period…………………………………………………List of licensed activities……………………… Finan Organization’s overall positionSustainable Unstable CrisisExperience of the organization in the market:…………………………………Balance Currency:………………………………………………………Revenue for the reporting period.… ……………………………Profit/Loss ………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………….
settlement and cash services
lending
placement of free Money Transfers of funds to accounts of persons - non-residents who are not residents of the Republic of Belarus or the Republic of Kazakhstan …………Intended nature of relationship with the Bank
short
d
long-termWhat services of the Bank do you plan to use…………………………………………………………………………………………………………………… ………………………… Information on the availability of accounts in other credit institutions (name of the Bank, date of opening the account) Planned transactions on the account for the quarter (amount of transactions on the account (s), number of transactions) in thousand rubles / dollars / euro Number of operations________________ Amount of transactions _______________ Estimated share of cash transactions on the account in the currency of the Russian Federation: Deposited to the account _________________%. Withdrawn from the account _______________%.
Settlements with contractors (for goods, services, work performed) _____________%.Non-cash transfers to accounts of individuals_________%.
Operations with non-equity securities _________%.
Provision of loans, credits _________%.
Taxes______________%.
__________________________________________
Estimated nature of cash transactions carried out on accounts (share)
For wages, social payments ____%.Travel expenses __________%.
The economic needs of the organization _______%.
Loans, credits ____________%.
_________________________________%.
Purpose of financial and economic activity
Receiving a profit
implementation of public projects Other (specify)……………………………………………………………… Information about the source of origin of funds and (or) other property (sale of property, proceeds from current activities , dividends, rent of property, obtaining a loan, credit, VAT refund, other (register) Organizational headcount
