Help form 2 personal income tax is the main and binding document for a bank loan. This document is necessary for the lender in order to identify the official income of the borrower and determine the level of its creditworthiness. But it's no secret to anyone that a certificate can be faked, and thus mislead the lender, although this, of course, is not worth doing. In addition, there are several ways to verify the authenticity of a document, therefore, we will answer the question of how banks check the 2-NDFL certificate.
In fact, a certificate in the second form is a document confirming wages individual, it has its own characteristics and differences. By the way, when presenting a document to a bank employee, he visually examines it and already at this stage he can distinguish the original from a fake. What information is contained in the document:
Banks, at least most of them, without fail requires a document from the borrower, and the numbers indicated in it are considered to be his officially confirmed income. But often, the official income may be lower than the real one, so the bank allows its borrowers to confirm their solvency with a certificate in the form of a bank. Its peculiarity lies in the fact that the employer independently fills out the documents and can indicate real income of his employee, which is relevant when part of wages employee receives in an envelope.
Help in the form of the bank Sberbank
The question of whether banks check 2-NDFL certificates through the tax office is heard quite often, especially from their borrowers, who in no way can document their income. You can really buy a certificate, but this is not the best way out, because you can confirm your income with a certificate in the form of a bank or get a loan without income confirmation at all, such an opportunity today commercial banks provide.
Now back to the question of how the bank will check your salary certificate. Firstly, an experienced employee can identify a visually fake document, for example, if it contains any errors, codes are incorrectly indicated, and more. Secondly, an important feature of a fake document is the obviously inflated earnings of a potential borrower, that is, if the salary is higher than the average for the region in this industry, then this may already arouse suspicion among a bank employee.
Consider other ways used by the security service of the bank. First of all, security officers can call the employer and clarify the income level of his employee, although in practice this is not the most effective way to verify the authenticity of the document. Rarely, bank employees can even personally visit the place of work of their potential client in order to determine the level of his income, but in practice today this is not necessary.
If the bank is state-owned or has a state share in its capital, then it has the opportunity to check the borrower's income through the pension fund. These banks include Rosselkhozbank, Sberbank and VTB Group banks. bank employees can find out the salary of a potential borrower based on his annual deductions to Pension Fund. True, this place has one significant drawback. You can get information only for the past period, that is, a year, and a certificate of 2 personal income tax is issued, as a rule, for the last 6 months.
There are other ways to verify the authenticity of a document. For example, on the official website of the tax office, you can check all the registration data in any enterprise, and based on the information received, come to a certain conclusion, for example, can an employee of this company receive a high income or not. By the way, some banks check information about the borrower through the public services portal. But not every borrower can be checked, because he is not obliged to provide access to his personal data to third parties.
Finally, you can check the income of the borrower through the bank if he receives a salary for plastic card. Here, most likely, the borrower himself, if he is really interested in credit funds, can provide an account statement in order to reduce the time for checking and assessing his creditworthiness.
Important! Banks do not have the right to request information about their borrowers from the Federal Tax Service, this is prohibited under the law on the protection of personal data, however, this bill is already being considered in the State Duma, perhaps next year the bank will be able to check income through tax service officially.
This is probably not all the ways, for example, if the bank is large and has been working for a long time financial market, then its employees have the opportunity to informally receive information about their borrowers through the Tax Inspectorate or the pension fund. It's illegal, of course, but at least it's the most real way evaluate the authenticity of the document on the second form.
Surely, it’s not even worth saying that deceiving a creditor is not the best way out. If, as a result of the check, it turns out that the borrower tried to receive funds using a fake document, then at best he will simply be denied a loan, and his data will be blacklisted, after which it will no longer be possible to take a loan from a particular bank.
In the worst case, the bank may contact law enforcement agencies and draw up an application for its potential borrower. True, the borrower will not receive any significant punishment for forging 2 personal income tax, for the reason that it will be difficult for the bank to prove that he was trying to take out a loan with the aim of not returning it.
Important! If the loan has already been issued under a fake document, and the borrower has stopped paying it, then the borrower can be held liable under Article 165 of the Criminal Code “Fraud”.
Thus, can the bank check the 2-NDFL certificate? Certainly it can. Only directly through government bodies such information is prohibited. But, if we are talking about large loans, for example, mortgages, bank employees are extremely responsible for checking a potential borrower, they check all the information provided, including through the employer, but if the loan amount is small, then the check will probably cost a visual inspection.
Hello! In this article, we will consider a 2-personal income tax certificate for a bank.
Today you will learn:
Bank employees, considering income, make a decision on issuing a loan. At the same time, the bank takes into account whether a person will have enough earnings to pay the mandatory payment and whether he will have funds for living after personal income tax payments and monthly loan installment. Based on the information provided in the certificate, the amount of the credit limit is determined.
Usually the period requested by the inspector on the certificate is from 4 to 12 months. The solvency of a person at the time of contacting the bank is determined.
But if you took a certificate at the beginning of the year, and came for a loan after six months, then bank employees have the right to demand a new document from you. Therefore, many bankers set a reference period of 30 days.
Bank specialists will definitely check the contents of the certificate. They analyze the data entered in the form.
The check is carried out primary and deeper, then the special services of banking security are involved. The latter is necessary for a loan, the amount of which is very large. It could be a car loan or a mortgage.
Upon receipt of a certificate, a bank specialist checks the correctness of filling out the document itself, as well as for its authenticity.
It considers the following aspects:
If any of them are found in the document, then the document must be returned to its owner with a replacement for a new one, without violations.
To provide a small amount of credit for short term a visual check of the help is sufficient.
The banker can verify the data of the company entered in the certificate with the general register of legal entities in the Federal Tax Service of the Russian Federation and compare the TIN data and other details.
A visual check of 2-NDFL is followed by a more detailed one.
The following steps are performed here:
Often there are situations when the current employer does not provide the bank with the requested details of real income, in which case the bank has the right to refuse to issue a loan to a person.
Service workers carry out a more thorough and in-depth check. As a rule, the bank's security service is connected when a person wants a large amount of money.
The verification mechanism by the secret service is as follows:
Attention! Since 2015, banks have been connected to the common bases of the tax and PFR. Therefore, today it is not necessary for service workers to send a written request, it is enough to contact the database.
If specialists see a sharp jump in wages, then an audit will definitely be carried out. What is the reason for this, is it a constant increase. This issue is very important for the bank, as it increases the ability to approve a large loan amount.
Verification through the portal public services occurs by checking information about a person in the databases of the Federal Tax Service and the Pension Fund of the Russian Federation.
Also workers financial institution can make a request to the law enforcement authorities for the discovery of convictions, canceled and active. The person held liable will be denied the issuance of a sum of money.
Such a check is considered ineffective, since in order to obtain information about a person from the portal, his permission is required. This benefits people who receive informal wages. And in the case of closed access to your personal data, the bank will not be able to confirm the accuracy of the wages received, reflected in the certificate.
But despite this, the security service still has its own tools for detecting the authenticity of the certificate, and if there is none, then the borrower will be included in the bank's stop list. And henceforth will be considered as an insolvent citizen.
When applying to a bank for a loan, bank employees require a 2-NDFL certificate. If a person does not have official earnings, then he simply has nowhere to get such a document, which is the first reason for refusing to issue money.
Often people take unofficial certificates or forge them themselves.
What is the responsibility for a falsified certificate? It can be expressed in the form of forced labor, monetary penalties or imprisonment.
Consider several situations of bringing a citizen to responsibility:
The person who provided the forged documents will be put on the stop list and in the future he will always be denied a loan.
The person who made the fake certificate will be held liable. For example, it may be a responsible employee of the organization (an accountant or the employer himself), who is held liable under Art. 327 of the Criminal Code, part 3.
If you are entered in the "register of deceivers", then you will not be able to get a loan from another bank, as they exchange data with each other.
In general, if a person fulfills his obligations under loan agreement, then checks on it are not expected, but in case of delays, the bank inspector can re-examine all the information about the borrower and check the documents for authenticity.
Undoubtedly, without a document confirming the solvency of a citizen, it is possible, but a small amount and not in a state credit institution. big banks they are very responsible for their work and always require 2-personal income tax.
There are banks that do not require a certificate, but they have their own verification channels. They can ask for information about the borrower Money at the Bureau of credit histories, or to the Department of Bailiffs.
Debts are checked, the presence of property of the future client. Specialists of such banks can simply call the head of the organization in which the client works.
Such a loan will have an increased rate, but less paperwork. And income can be shown in the form developed by the bank's specialists.
Example. Rosselkhozbank requires the borrower's income in a special form of the bank. A person takes an official form from a bank and provides it to an accounting employee to fill out. This certificate indicates information about the organization, employee and income received for 6 months, indicating the amount of deductions. To determine the free amount that the potential client will have to pay the loan fee.
Usually, workers with or pensioners, when applying to a bank for a loan, are denied large sums. How to be in this situation? You have to contact banks that do not require an official document on income. But the rates on such loans will be much higher, this is a kind of guarantee to the bank.
These banks include:
And many other commercial banks, for which the client is important, and not guarantees of payment of loan fees.
In such banks, as a rule, various discount systems start. This may be a decrease in interest if the loan is issued by newlyweds or a married woman. There are discounts for pensioners. But even with flexible discounts, the bank will receive its income, despite the low incomes of its customers.
All of the above arguments make it clear that obtaining a loan with the provided 2-NDFL certificate is faster and easier. But this is the case if the verification of information on it was successful.
This document is important when applying for a large loan amount. But you need to remember that then the security service of the bank, which carries out checks at various levels, will also become interested in your person. These may be the FIU, tax authorities, law enforcement agencies and others. banking structures.
The citizen himself can speed up the process of verifying his data if he grants permission to process his personal data on the State Services portal. But if the fact of falsification of documents is discovered, and the borrower does not actually work and provided false data, this will lead to various types of liability, which can be in monetary terms, forced labor or imprisonment.
Today you will not surprise anyone with loans. After all, this is the only opportunity to make large purchases, unless, of course, you are a millionaire. In order to receive a large loan amount, the bank without fail requires the borrower to provide a certificate (2NDFL) confirming his official income, which can later be verified. However, most banks supported the initiative to simplify the requirements for the borrower and offered him to fill out a certificate in the form of a bank. But what in reality this certificate is fraught with, we will now tell you.
An income statement in the form of a bank is nothing more than an official paper that is filled out by authorized persons of your enterprise (organization), and is an alternative to a certificate in the form of 2NDFL.
Many banking structures supported the approval of such an alternative to an official document for one simple reason - most enterprises try to hide the real income of their employees and pay salaries in installments. Half officially, she gets into the certificate of 2NDFL, and half in an envelope. Accordingly, when receiving an official document from the enterprise, the borrower is not able to confirm his real income, and, as a result, apply for a serious loan amount.
Because of such nuances, both sides suffer:
Almost all banks offer their customers to fill out a certificate with a standard set of data. Most often, you can find a sample of such a certificate on the official website of the bank. However, some financial institutions are not picky enough to issue an exact form to fill out, and allow a free-form certificate.
The standard filling requirements include the presence of mandatory information:
Banks that do not require strict adherence to the procedure for filling out a certificate include Raiffeisen. They offer clients to draw up a document on their own, in which you need to indicate all the same information, except for tax deductions.
I would like to draw your attention to the fact that, like any document, this certificate has some peculiarities. After studying the sample filling, you will see that the document must be signed by two authorized representatives of your enterprise - an accountant and a manager. There are cases when there is no accountant at the enterprise, and its function is performed by the head. Then, in the line with the accountant's signature, it is indicated that this position is not available at the enterprise.
If you think that this certificate is your salvation, then we are forced to upset you, everything is not so rosy.
Yes, indeed, this certificate for obtaining a loan allows the borrower to show his real income, with which he can qualify for a good loan. But let's not forget the complexities:
Now more and more cases of fraud with such certificates. You come to the bank, bring a certificate, with a supposedly high income, although not official, there are stamps and signatures, but in reality it is just a piece of paper that you bought. And you hope it passes.
Yes, there are such cases. The specialist checks the correctness of filling and the availability of all necessary information. The security service checks the existence of the company you specified and makes a call to the specified phone number to verify the veracity of your data on salary and position. In fact, this completes the verification of the certificate.
But if for some reason it turns out that the certificate is fake, then you face trial for forging documents.
Thus, receiving a certificate in a simplified form of the bank, the borrower increases his ability to approve the desired loan, but along with it receives an additional burden in the form higher rate. So, if it is enough for you to provide a 2NDFL certificate in order to confirm your solvency, then it is better to get it than to overpay later.
3 August, 2018 | 6:35 4 577When applying to a credit institution for a loan, one of the first documents that a client will be asked to provide is a certificate of income. Most often, in the form of 2-personal income tax. This official paper shows the bank the level of the borrower's regular accruals, deductions to various funds, etc., and also allows a relatively objective assessment of its solvency. But how the bank checks the 2-personal income tax certificate for authenticity, and is it really possible to fake it? - we will analyze further.
This document is official, and the rules for filling it out are regulated tax code Russian Federation. The instructions of the Federal Tax Service clearly indicate which items should be placed on the form, or entered manually if it is filled out by hand. It should be noted that the certificate has legal force only if several key requirements are met:
If errors or shortcomings are found, the bank has every right to refuse lending and even involve law enforcement officers in the case, considering the actions of the borrower an attempt at fraud. But first things first.
Most lending institutions operating in domestic market, does not have effective methods for checking the documents provided. The reason lies in the significant restrictions on the part of the state. For example, an effective and trouble-free way is to contact the IFTS to obtain an extract, but this method is prohibited by law (provided there is no written consent from the borrower). There is only an exception for Sberbank, a major Russian player in the global banking arena, close to the powers that be.
Given this circumstance, creditors are forced to independently look for a way out of the situation. It consists in the creation of a special internal body - service economic security. It is this department that is engaged in verification activities of various specifics.
I must say that today the Security Council has several fairly effective tricks and tricks to identify a deceiver. In particular:
The information received is compared with the official data provided in the certificate, after which conclusions are drawn.
Another important point refers to the period covering the client's employment and describing his income. As a rule, banks require information for the last calendar year. But more and more often there are cases of reducing this period to 6 months at the last workplace.
It is important to remember that only information from the current place of work is read relevant and useful. Attempts to pass off the labor achievements of the past as truth can be crowned with complete failure. And, as in the case of document forgery, the consequences are both slightly negative and disastrous for the negligent borrower.
In the era of digital technologies and the development of various services, it is not difficult to get any fictitious document. Internet pages are full of ads on the design of income certificates, "indistinguishable from the original." Moreover, the contractor guarantees not only external identity, but also full compliance in the case of a thorough check. But, in fact, things are different. If desired, especially when it comes to large loan amounts, any bank can send a written request to the Pension Fund of the Russian Federation, and then compare the deduction figures with the user's actual salary accruals.
A disclosed attempt at deception does not bode well for a potential borrower. The consequences can be very different. Let's name common problems in ascending order of scale:
So, before taking such a risky step, you should think carefully about whether the loan approval is worth the possible sharp turns in life.
Underemployment, minimum level wages, lack of official employment and a number of other factors can become an insurmountable problem for a potential borrower, since the data indicated in the certificate is unlikely to satisfy the lender. In addition, everyone knows that most of the population of the Russian Federation receives salaries "in envelopes", which, of course, are not reflected in official reports. Banks took this fact into account and made some indulgences, offering customers to fill out a form developed by specialists credit institution. It does not require extracts from the tax, PF and other authorities, but must be confirmed by the management of the tax agent.
For the applicant himself, this significantly expands the possibilities, since now there is no binding to strict reporting. However, there is a problem here as well. Not every employer will want to officially subscribe to the fact that they use the services of unregistered employees.
If both of the above options are not suitable, there is a third way. A bank is a kind of living organism that can not only act mindlessly in accordance with established instructions, but also deeply analyze the situation. If your salary is "gray", you have an unofficial additional income and financially feel confident, it is worth reporting this credit department. The following factors will positively affect the decision to issue a loan, even without the presence of 2-personal income tax:
Seeing the solvency of the client, the bank can make concessions and ignore the lack of formal information.
If there is no opportunity to choose the right scenario on your own, leave it on our website, and experienced specialists from the credit sector will select a number of options for you. current offers from banks operating today. This will save time and increase the chances of getting the required amount.
Updated: 01/18/2015 Created: 01/18/2015
Bank lending is very popular among Russian citizens, and the demand for loan products remains high enough even despite the difficult economic situation in a country that affected not only the state, but also ordinary people. Meanwhile, each applicant for borrowed funds tries to choose the most profitable for himself. loan offer, and for this it is necessary first of all to convince the creditor of its reliability.
Each bank takes care of the return of borrowed funds, and if it agrees to a risky deal, it will certainly compensate for this moment with the high cost of the loan. The main proof of the solvency of a potential borrower for any financial institution is income statement.
This document must be official and contain information about the earnings of the applicant for a loan for a certain period of time. Of course, currently loan portfolios many banking organizations exists a large number of borrowing programs that allow you to apply for a loan without confirming solvency with an appropriate document, but this is possible only in cases where it is a small amount, and even interest rate for such loans is usually much higher. That is why experts recommend not to ignore the use of this document, if it is possible to provide it. So, as you already understood, in today's article we will tell you.
If you decide to apply for a loan, which implies the absence of the need to provide the lender with a document confirming that you have an official job with a stable pay, then you should be prepared for a significant deterioration in borrowing conditions. Some applicants wonder how the bank verifies the borrower and whether verification of income statements really plays such an important role in the final decision of the lender. The importance of this document, of course, has been proven and it makes no sense to argue with this point, however How is proof of income verified? and do banking organizations perform this check at all? No bank will answer this question. However, from the words of financial experts, it follows that many banks require the client to provide this document only in order to make sure that the potential borrower really has the ability to perform debentures. Often, the verification of the certificate of income is not carried out at all, or this verification is superficial. As practice shows, a document confirming the income of an applicant for a loan often passes only a visual check by the manager of a banking organization, while the purpose of this check is to determine the authenticity of the certificate and the absence of errors in it. If the credit consultant has doubts about the authenticity of the income statement, he will transfer it to the bank's security service, which will carry out a more thorough check.
Speaking about how the bank checks the borrower, it should be said that usually it all starts with a visual check of the income statement, which is carried out by a credit manager. In this document, the items relating to the enterprise in which the applicant works, the surname and initials of the chief accountant and director of the company, the signature of the person responsible for preparing and issuing a certificate of income and the seal of the organization must be completed without fail. Besides this document must contain information about the applicant for a loan: last name and initials, date of employment, TIN, purpose of compiling a certificate of income, salary.
Thinking about it How is proof of income verified?, it should also be borne in mind that if the loan officer suspects the authenticity of this document, the banking security service will check it. Suspicions of a bank employee can cause incomprehensible links on the form, unnatural seals on the certificate, lack of accrual of sick leave, and so on. The credit manager has extensive experience in this area, so it will not be difficult for him to identify such moments. Therefore, before deciding to provide a bank with a fake income statement, you must be aware that such actions can lead to very unpleasant consequences, up to and including charges of fraud. Talking about How is proof of income verified? the banking security service should say that there are more than enough ways to do this, and one of the most common is sending a request to the PF.
However, such a procedure takes a lot of time, so usually the security service simply contacts the company where the client works. A conversation with an accountant allows you to find out whether the applicant really works in this organization, whether a certificate was provided to him and whether the earnings indicated in it correspond to reality. By the way, an accountant does not have the right to provide information about the income of employees of an enterprise to unauthorized persons, therefore serious banking organizations often have their own person who helps with checking the profile of a potential borrower in the shortest possible time. If the credit manager's suspicions are confirmed, the bank will refuse to lend to the applicant and blacklist him.
