A certificate in the form of a Russian Standard bank is not a mandatory document when applying for a loan. Confirmation of the borrower's income is required to apply for only some of the loan products offered by the bank.

Is it possible to provide Russian Standard with a certificate in the form of a bank

The package of documents that the borrower must provide when applying to Russian Standard Bank includes a passport of a citizen of the Russian Federation, as well as a second document to choose from:

• a valid passport in the name of the borrower;
• insurance certificate of compulsory pension insurance (SNILS);
• an unexpired driver's license;
• a pension certificate or a certificate from the territorial body of the Pension Fund on the insurance period.

In most cases, these documents are sufficient for the bank to assess the creditworthiness of the borrower.

Confirmation of income in Russian Standard Bank for working clients is the 2-NDFL form, which shows the official income and the amount of tax paid. Even if the official salary of the borrower is lower than the actual amount of earnings, the credit institution does not provide an opportunity to issue a certificate in the form of a bank.

When Russian Standard Bank will require a certificate of income

A consumer cash loan at Russian Standard Bank can be issued without a salary certificate for up to 500,000 rubles. For customers with a salary card, the loan amount can be up to 2,000,000 rubles.

A loan for reliable clients for a period of 12 months is provided at a reduced rate and provides for confirmation of the borrower's income. To apply, you need a certificate of official income 2-NDFL. In addition, you will need a certificate of state registration of ownership of real estate or an extract from the Unified State Register of Real Estate.

All types of credit cards, as well as loans for goods issued by Russian Standard Bank at retail outlets, do not require proof of wages.

Who certifies the income statement

According to the law, a 2-NDFL certificate is provided at the request of an employee no later than three days from the date of application. The document must be prepared by an accounting officer. The certificate is signed by the director of the organization or the chief accountant.

The manager can delegate the right to sign to one or more employees. To do this, an order is issued with a list of persons authorized to sign certificates 2-NDFL. For each of them, a corresponding power of attorney is issued, the details of which are indicated in the document on income.

If the employer is not an individual entrepreneur, the blue seal of the organization must be present on the document.

Validity of the certificate 2-NDFL is 30 days If during this time it was not possible to obtain a loan, the document must be re-registered.

When applying for a loan at Russian Standard Bank, confirmation of income is most often not required. The terms and conditions of products with a reduced rate intended for regular customers provide for the provision of a 2-NDFL certificate. There is no own certificate form, which is an alternative to an official document, in Russian Standard Bank.

A certificate in the form of Russian Standard Bank is a document on income that employees of a credit institution may request when considering a potential client's application for a large loan. We will tell you where to download the certificate form in the form of Russian Standard Bank and how to fill it out correctly.

Certificate of income in the form of Russian Standard Bank - why is it needed

When providing loans, banks are interested not only in expanding the loan portfolio, but also in the high solvency of their customers. Therefore, they select borrowers based on their financial condition. To assess how much money a citizen receives, and whether he will be able to repay the loan and interest on time, a certificate of income allows.

Who issues it and how to apply

The management on the official website does not advertise where to download a sample certificate in the form of Russian Standard Bank (2019), since it has not approved a special form for such a case. And the official document that can confirm the income of an individual is the 2-NDFL form, drawn up by the employer. Therefore, if you plan to get a loan from this credit institution, you need to contact the accounting department and ask them to generate a document on the income received.

There is no need to pay any money: papers related to labor activity, including wages paid and taxes paid, are issued free of charge. The only thing is that you will have to write a written application with a request to issue 2-personal income tax and wait 3 days. Such a period is allotted by law for the preparation of paper.

Sample completed income statement

Since the management of Russian Standard Bank has not approved its own form for confirming income, potential borrowers need to use the ordinary form 2-NDFL. But from 01/01/2019, the Tax Service approved 2 documents with this name. One is used by employers for filing reports, and the other is designed specifically for handing over to individuals.

You can download the reference form in the form of Russian Standard Bank (2019) at the end of the article.

Be sure to check that the accountant has an up-to-date form 2-NDFL. Or you can download a certificate in the form of Russian Standard Bank on our website, print the form and ask the accountant to fill it out. In this case, you will be sure that the document will fit.

The completed paper contains information:

• about the employer;
• worker;
• income received by him (in the form of salary, vacation pay, sick leave, business trips, bonuses) and tax deductions;
• withheld and remitted income tax.

An example of a completed income statement

Be sure to check with the branch of Russian Standard Bank for which period you need to confirm income. It can be a year, or two, or 6 months. In our example, the information provided is for the entire year 2018.

Validity

It is not difficult to make a document confirming the availability and amount of income for a certain period. Therefore, it is better if it is “fresh”: issued within 1-3 weeks. In general, there is no "expiration date" for the 2-NDFL form.

IMPORTANT! It is the original with a seal (if the organization has one) that needs to be carried to the bank, and not a copy of it. Therefore, you will not be able to use the help twice or thrice.

What other documents are needed to obtain a loan from Russian Standard Bank

Officially, a potential borrower will need a passport (identity card) and one of the documents to choose from.

I express my indignation at the unsatisfactory performance of the employees of Russian Standard Bank.
29.02.2016 plus 2-3 days I ordered a certificate of income in the form of 2 personal income tax for 2014-2015 in my name. When writing an application for the issuance of this certificate, I was advised to contact the department for the result in about 20 days. After about 20 days, I turned to the indicated branch of Russian Standard Bank, when I applied, they told me that the documents were ready, they told me to write on my application that the documents were received, I complied with the request of the bank employee, while the bank employee gave me two certificates in form 2 of personal income tax , however, both certificates were drawn up for 2014, they did not provide me with a certificate in form 2 of personal income tax for 2015, a bank employee said that a certificate in form 2 of personal income tax for 2015 was not ready (the reason was not given), advised me to write a second application for issuing a certificate on form 2 personal income tax for 2015. I made a re-application for the issuance of a certificate in form 2 of personal income tax for 2015. The bank employee informed me that a notification of readiness would come to me by SMS message to the mobile phone number I indicated.

In the second decade of March 2016, without waiting for an SMS notification, I called the bank at 88002006200, where they told me that my certificate was ready and that I needed to contact the bank branch. On the same day, I contacted the bank branch and said that I was informed by telephone of the support service that a certificate in form 2 of personal income tax for 2015 was ready. The bank employee checked the information and said that in fact the specified certificate was not ready, it could not be generated for the specified period for some technical reasons, advised me to write an application for issuing a certificate of 2 personal income tax for 2015 for the third time, indicating the urgency manufacturing.

I am a government employee and am required to report my income annually by filing a certificate of income, property and obligations of a property nature. The deadline for submitting a certificate of income on property and liabilities of a property nature is set on 03/30/2016, while the specified date is the final one, and I will not be able to correct the submitted information.

Considering the deadline set for bank employees to respond to an appeal, I should have received certificates in form 2 of personal income tax for 2015 on or about February 20, 2016, but I have to endlessly apply for the production of this certificate. A reasonable time for responding to my request to issue me a certificate in form 2 of personal income tax for 2015 has long expired.

I believe that if it is impossible to issue me certificates in form 2 of personal income tax for 2015, including for technical reasons, the bank needs to issue me a certificate indicating such impossibility.

I applied in good faith to the bank in advance (2 months) before the deadline for submitting a certificate of income, property and liabilities of a property nature, but to this day I cannot receive a reasonable written response from the bank. I ask you to respond to my appeal and provide an answer as soon as possible to my three, including the indicated fourth appeal.

I consider it necessary to draw attention to the fact that in addition to the three visits to the bank's office at the address: Chelyabinsk, Elkina St., 59, due to the need to obtain a certificate in form 2 of the personal income tax for 2015, I came two or more times to find out about the readiness of the answer to my appeals, I was forced to wait for my turn to the employee, including more than 30 minutes (each time I took time off from work). Today at 13:20 local time I called the bank at 88002006200, waited for an employee to answer for more than 23 minutes, after answering my call and while solving my question, the connection was cut off at 30 minutes, the employee did not call me back.

At the bank branch, today, I was informed that my certificate was not ready so far and was advised to call 88002006200. Based on the results of the bank’s work in issuing me a certificate in the form of 2NDFL for 2015, I was extremely dissatisfied and outraged by the helplessness of employees in this matter, about The date when I will be able to receive certificates in the form of 2NDFL for 2015 was not reliably informed me.