How a bank checks a certificate of income - a real toolkit. What is a bank statement of income? Help in the form of a bank, examples of filling out Does Sberbank check a certificate of income

What is 2-personal income tax

Employer data.

Borrower's responsibility

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How banks check the certificate 2 personal income tax: is it possible to forge a document

A loan has long been a popular financial service, which is in demand among many segments of the population. Loans are taken in order to buy appliances and furniture, go on vacation, buy a car or real estate. There are many ways in which credit funds can be used. But everyone knows perfectly well that in order to successfully apply for a loan and receive a positive response, it is necessary to provide a whole package of documents, including a certificate of income. That is why many are interested in the question: how banks check the 2NDFL certificate and whether it is exactly necessary to reflect reliable information there.

Help 2 Personal income tax is included in the standard package of documents when applying for a loan

Help 2 personal income tax: what is needed

The name 2-NDFL itself must be deciphered as a tax on personal income, therefore, the document itself provides information on how much tax on personal income is paid by a particular person. At the same time, in order to calculate the personal income tax itself, information is also provided on the amount of monthly income received, from which deductions and personal income tax are transferred to the budget and off-budget trust funds.

The certificate must contain the following details:

Surname, First name, Patronymic of the individual in whose name such a certificate is issued.
The actual address of the person's residence.
Full name of the company issuing the document.
Income received by the subject for the reporting period. A breakdown by type of income may be indicated.
Amounts withheld contributions to funds.
The amount of income withheld.
The net income received by the entity.
The presence of signatures of authorized persons, as well as the seal and stamp of the enterprise.

Regarding the timing, for the bank in most cases you need a certificate either for six months or for a whole year. The issued document must be signed by the head of the company. But with regard to printing, since 2015 it is allowed to provide a document without printing, but with the obligatory presence of a special barcode.

The document can only be obtained from the accounting department, which draws it up. It is not permissible to create a certificate on your own, even on the basis of pay sheets. The document does not require notarization.

Do they check bank statements?

With the concept of certificate 2 personal income tax is understandable, now it remains to be answered why is it needed in the bank? Of course, in order to be able to assess the real level of solvency of the borrower. The loan officer of a financial institution must, on the basis of the submitted document, calculate what percentage of the money the borrower will have after paying the loan and utilities, and compare it with the cost of living. That is why banks check such a document, another thing is that with different loans the degree of verification is different. The most careful attention is paid to the document when a long-term loan is issued, for example, a mortgage or a car loan. With consumer lending, they may be limited to a visual check.

A quite logical question also arises: how long can an issued certificate be valid? It all depends on the individual procedures of the bank, but no one will accept from you the certificate that was taken six months ago. Most financial institutions have a rule: 2-NDFL is valid for only 30 days from the date of its issuance to the client. In the event of the expiration of the specified period, the document will need to be issued again.

If the provided certificate is valid in terms of validity period, then the bank will check the information provided in it. Yes, such a document is checked, and verification can take place in several stages.

Sample certificate 2 personal income tax

Verification steps:

initial review by a loan officer;
detailed study of the information provided in the certificate by a bank employee;
detailing information by the bank's security service.

These are the main stages of how you can check a certificate of income from the bank. In this case, the second stage can be simultaneously combined with the third, and can be carried out separately. It all depends on the internal policy of the bank.

Initial review by a loan officer

The first person to whom such a form falls is the inspector of the credit department. He accepts a loan application and checks the solvency of a potential borrower. The submitted certificate is first of all evaluated for visual compliance with the established form. It must contain all the necessary information about the person, the company that issued the document, the amount of income, etc.

If an employee of the company needs to check not only the solvency of the borrower, but also the legal entity where the person works, then, according to the information provided, he can do this using the register of legal entities. So you can check whether such a company really exists, whether the data from the register agree with these certificates, how long the company has been operating on the market. What is her degree of reliability as an employer, etc.

Many employees, knowing that in the near future they will have to apply for a mortgage, ask their employers to increase their salary according to the documents, but in fact they do not receive it, and even pay taxes for themselves. And many are interested in the question: do inspectors check such an increase? Yes, a sharp increase in wages can raise suspicion. An employee can monitor the labor market, look at the average salary for this profession, and in case of cardinal deviations, additionally ask the bank's security service to conduct a more detailed check.

If, as a result of such a check, it is found that the certificate is not true or it is generally issued by the wrong legal entity that is indicated (and this is also easily verified using a phone call or an official request), the bank refuses to issue a loan. Also, in any case, such a person is blacklisted as potential borrowers, and then it will be difficult to get a loan from another bank. It is also possible for a financial institution to go to court due to fraudulent actions of a client.

Detailed check-personal income tax

A detailed check may or may not be carried out. As a rule, with a small consumer loan, things do not go beyond visual analysis. But if we are talking about large loans, then the detailing of the information presented in the certificate is required. At the same time, such a check can be carried out both by the credit inspector himself and by the security service.

The range of issues that are checked by the security service or another employee in the case of a detailed study of information on the form - personal income tax:

Formation of requests to the Pension Fund and the Federal Tax Service, which should, upon an officially submitted request, provide information on whether payments are actually received on the current account of the taxpayer, whether their employer pays, how long the subject has been working, etc. There is no set form. By the way, it should be noted that many banks have an established system for verifying such information in the tax and PF.
Employees of the security service can, by telephone or in the form of an official request, receive information on how long the client has been working in this company, what is his general work experience, whether the company plans to continue working with the person, etc.
The security service has the authority to request from the enterprise copies of the statements of estimated wages, which reflect the actual wages of the borrower.

Income certificate is checked by a loan officer

Liability for falsification 2-NDFL

As a result, if an error has occurred somewhere or there have been deliberate actions to distort true information, the simplest thing that can be is a loan denial. But, the responsibility for issuing such a falsified document will be borne not only by the applicant, but also by the authorized person of the enterprise. issued such a document.

Therefore, answering the question, is it possible to fake a 2 personal income tax certificate, the answer is as follows: you can fake it, but you will have to answer for it. Thus, an accountant or manager will have to answer for such actions in accordance with the Criminal Code of the Russian Federation, and criminal liability can be applied to them. The same consequences can occur for the client himself.

Thus, the main conclusion: it is better to always provide truthful information about your income to the bank, especially if it is required to be confirmed by the 2-personal income tax form. Yes, with a small loan amount - this is a formality, but with large loans - this is a mandatory document, this is the basis for issuing or refusing. And the main thing is to understand that it is carefully and scrupulously checked.

fintalk.ru

Do banks check 2-NDFL certificates through the tax -

A certificate in form 2 of personal income tax is the main and mandatory document for obtaining a cash loan at a bank. 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.

What is 2-personal income tax

In fact, a certificate in the second form is a document confirming the salary of an 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:

The period for which the certificate was issued.
Employer data.
Information about the employee, his last name, first name, patronymic, TIN number, date of birth and address of registration.
A table that shows income and the amount of the tax deduction.
The total amount of income and tax withheld.
The certificate must be signed by an authorized person and contain the seal of the employer.

Banks, at least most of them, without fail require a document from the borrower, and the numbers indicated in it are combined with 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 the real income of his employee, which is relevant when the employee receives part of the salary in an envelope.

Help in the form of the bank Sberbank

How does the bank check the authenticity of the document

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, commercial banks provide this opportunity today.

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 contributions to the 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 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 borrower's income through the bank if he receives a salary on a 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 by 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 the tax service officially.

These are certainly not all ways, for example, if a bank is large and has been operating in the financial market for a long time, then its employees have the opportunity to informally receive information about their borrowers through the Tax Inspectorate or the pension fund. This is, of course, illegal, but at least it is the most realistic way to assess the authenticity of a document in the second form.

Borrower's responsibility

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 was trying 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. It is forbidden to provide such information only directly through state bodies. 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.

rublgid.ru

A certificate in the form of a bank whether it is checked by the tax

Grade 3, it is checked when we were preparing the documents for the transaction, our manager simply conquered us with a form of a certificate in the form of a bank for Rosbank. To date, banks do not yet have access to the databases of the tax service and the Pension Fund, so bankers have to check the accuracy of the information submitted by the borrower. Such a certificate for obtaining a loan in many credit organizations is filled out without information about tax deductions and other things, because there is a limit. Income certificate in most cases only undergoes a visual check by a loan officer, during which the authenticity of the document is checked and. If an employee is officially employed, he also runs the risk of getting into trouble with the tax authorities, due to the fact that all citizens are required to pay income taxes. The importance of this document, of course, has been proven and it makes no sense to argue with this point, however, how is the income statement checked and whether
.Dmitry, tell me, if I provide a bank with a certificate of income in the form of a bank but not personal income tax2, will they call my management in this case? Help in the form of the employer. A certificate in the form of a bank is an additional risk for the financial structure itself. A certificate in the form of a bank is a document that can confirm gray and black incomes. The most important plus from a certificate in the form of a bank is that sometimes this is the only option for a citizen to receive credit funds to improve housing.

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How a bank checks a 2-NDFL certificate - VBanki.ru

Banks have a lot of opportunities to check 2-personal income tax for authenticity. Let's consider these possibilities in detail.

In many financial institutions, before applying for a loan, you must present proof of the financial condition of the borrower. For this, a potential client prepares a 2-NDFL certificate. This is a standard reporting form for a company that is a tax agent. It reflects the actual figure of the employee's income, the amount of deductions and taxes withheld. Thanks to the specified data, the banking organization has the ability to identify and clarify the level of a person’s ability to further pay the loan.

How is the 2-NDFL certificate checked?

The method of checking the borrower is possible only after the provision of official papers. Such an approach, even at the initial stages, makes it possible not to issue a loan to unreliable people, as well as to determine whether the client will be able to fully fulfill the prescribed obligations under the concluded agreement. Therefore, most of the modern banking institutions in the requirements indicate the presence of a 2-NDFL certificate.

The document is usually obtained at the place of work, it must be signed by an authorized person of the employer. It should be borne in mind that when changing several jobs, a person needs to confirm income only from the workplace where he works right now, other options are not valid. The employer can enter only those incomes and taxes that were received from him.

To grant a loan, the bank must be sure of the authenticity of the document. This is due to the fact that cases of fraud have become more frequent. In addition, some employers may issue a "gray" salary to their employees. In this case, the best option is to fill out a certificate that is created in the form of a banking organization.

For what period do you need a certificate 2-NDFL

This aspect is regulated by article 230 of the Tax Code of Russia, paragraph 3. According to the document, the employee's statement contributes to the issuance of a certificate. The period is not specified. It is also worth remembering that the employer does not have the right to refuse to issue a certificate to employees. The appeal can be made both in writing and orally, it all depends on the procedure that is established in the company.

A person must indicate in his appeal for what period he needs a certificate. The terms of issuance are regulated by the Labor Code, the employer is obliged to issue a certificate within three days, in case of dismissal on the last day of work.

According to Article 216 of the Tax Code of the Russian Federation, a certificate is issued for a certain period, which is a calendar year. At the beginning of the year, a certificate is issued for the previous year and for the current one. It is also possible to obtain a document confirming income for 6 months of work in one place.

Do I need a stamp on the 2-NDFL certificate?

No, printing on the 2-NDFL certificate is not required! The approved form 2-NDFL and the procedure for filling it out do not require this.

According to the Federal Tax Service of Russia, Federal Law No. 82-FZ of April 6, 2015 "On Amendments to Certain Legislative Acts of the Russian Federation Regarding the Removal of Compulsory Printing by Business Companies" came into force on April 7, 2015. However, according to the information and legal portal Garant.ru, the date of its entry into force is April 6, 2015, since it was on that day that it was officially published in the Collection of Legislation of the Russian Federation dated April 6, 2015 No. 14, Art. 2022.

You can check 2-NDFL for authenticity

Unfortunately, today many borrowers decide to forge a certificate to obtain a loan. To protect themselves from such situations, financial and credit organizations have provided for several levels of verification:

visual inspection;
a call to the place of employment of a potential client;
check on various bases;
verification through the FIU.

Also, the bank may have its own verification methods, it depends on the organization, the borrower and the amount of the loan.

Checking for external compliance of the certificate 2-NDFL

The first step is to check the appearance. An experienced bank specialist can independently identify a fake; special programs can also be used. Help 2-NDFL must have a standard form, the design must be made in accordance with the sample. If the slightest inconsistency is detected, the bank may suspect the client of fraud. Specialists pay attention to the tax deduction, the correctness of filling in the columns with deduction codes, the amount of standard and social payments, the coincidence of the TIN of the tax agent and the number that is indicated in the seal. There are also other aspects that give out a fake.

Also, the error can be caused by the following points:

incompetence of the accountant;
software error.

In case of identified shortcomings, the bank may ask the client to explain the reason for the discrepancy.

Calling the place of work to clarify the income of the borrower

The next type of verification is a call to the employer. This method is one of the most effective and common. Allows you to determine whether a person is a real employee of the organization. It should be noted here that in accordance with the Federal Law of July 27, 2006 N 152-FZ "On Personal Data", the employer should not disclose any information about his employees. Providing information is possible only on the basis of a formal written request. However, this Federal Law is not implemented by all employers.

Checking 2-personal income tax according to the IFTS databases

This method is officially prohibited by the legislation of the Russian Federation, but knowing certain data, each person can obtain information about a legal entity. This method is especially often used if the borrower wants to get a large amount of credit funds.

Checking 2-NDFL through the Pension Fund

Such a check is performed only by financial institutions that are directly related to the state. These are Sberbank, VTB and Rosselkhoz. The verification goes through an Individual Taxpayer Number. If the information is not found, then the banking organization has every right to refuse a potential client. There is also a possibility that bank employees will pass the information to law enforcement agencies.

In addition to the above methods, the economic security service is constantly working. The main tasks of this division are:

Special measures to ensure the protection of material assets.
Processing data on current and potential customers.
Ensuring the protection of commercial and confidential information from interference by third parties.

Thanks to the above actions, a banking organization can perform verification of documents of any complexity.

Buy a 2-NDFL certificate with confirmation: is it worth it?

Today, there are many offers for forging various certificates. Due to various situations, people turn to such companies. Also, some clients negotiate with accountants who help specify the desired amount of income.

At the same time, it must be remembered that if errors are detected, the bank can transfer information to law enforcement agencies.

What is the responsibility for forging a certificate

The most minimal degree of responsibility is the refusal of a banking organization. In addition, a financial and credit institution may blacklist such a client and in the future a person will not be able to use the banking products of this credit institution, and possibly other banks.

It is more difficult to resolve the situation when the borrower has already received funds, but the fact of forgery of the document has been revealed. This takes into account how regularly a person fulfills his credit obligations. In the case when a person does not pay the loan, then he can be held criminally liable. This may be a punishment in the form of a fine, forced labor or imprisonment. All this is regulated by article 165 of the Criminal Code of the Russian Federation. In addition, the loan agreement may be terminated.

The legislation also provides for punishment for legal entities that carry out forgery of documents.

Checking the income statement in the form of a bank

In certain cases, the client can use the income certificate in the form of a bank. This option is optimal if a person receives a salary “in an envelope”. In this case, this document must be confirmed by the leaders. This is where the difficulty lies, as not many employers are willing to show that they are paying their employees gray wages.

How does a bank check a borrower's income?

The check is carried out by the economic security service. First of all, the credit history, rating and other information that will help to draw up a financial "portrait" of the future borrower is carefully studied. Real estate, biography, marital status can be taken into account. To provide a loan, it may be recommended to attract guarantors with a “white” official income.

Verification of certificates by a bank is a procedure that allows financial institutions to protect themselves from various types of risk. We do not recommend trying to forge certificates, as such action may be punishable. If you cannot get a loan in large institutions in which 2-personal income tax is a prerequisite, then turn your attention to other organizations. On our website, you can fill out an application and ask for help from a loan officer who will help you choose a loan in accordance with your requirements and financial capabilities.

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Help on the form of the bank is checked by the tax - Little Tsukiko

You do not need to fill out this certificate, the employer is obliged to issue and fill it out in a timely manner upon your written application. Help in the form of the employer. The security service of any bank selectively conducts such checks, believe me, they have the opportunity to obtain data NOT from your accountant, but from the Pension Fund or tax office. Often, employers, due to tax evasion, hide most of the wages of their subordinates, paying them part of the funds officially, and the rest in an envelope. If you do not have all the information required to fill out a certificate, contact your accountant who will tell you the salary for the last year by months and the amount of deductions to the tax authorities. When making a decision in favor of a citizen who has applied for a loan, it will not be difficult for the bank to establish the accuracy of the salary information contained in those received by the credit. Of course, there is a small risk, but at the same time, the chances that these documents will end up in the hands of the tax or other authorities are really extremely small, therefore, in principle, you are not at particular risk if you sign a certificate in the form of a bank. A certificate in the form of a bank is a document that can confirm gray and dark incomes. From this certificate you can see in what month what salary, whether there are tax deductions, in what amount the income tax was paid. A certificate in the form of a bank is an additional risk for the money itself. The importance of this document, of course, has been proven and it makes no sense to argue with this point, however, how is the income certificate checked and whether it is performed. Another common way for a bank to check the accuracy of a certificate in the form of 2NDFL is to call your place of work

. The most important plus from a certificate in the form of a bank is that sometimes this is the only option for a citizen to receive credit funds to improve housing. In general, such a certificate, as far as I know, is not considered an official document recognized by the tax authorities, but the form is checked by the bank's own security service.

tsukiko.ru

Do banks check 2-NDFL certificates through the tax

What is 2-personal income tax

The period for which the certificate was issued.
Employer data.
Information about the employee, his last name, first name, patronymic, TIN number, date of birth and address of registration.
A table that shows income and the amount of the tax deduction.
The total amount of income and tax withheld.
The certificate must be signed by an authorized person and contain the seal of the employer.

Help in the form of the bank Sberbank

How does the bank check the authenticity of the document

Borrower's responsibility

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”.

Payment of state duty through an ATM How to change the tariff of a mobile bank from full to economical

When planning a loan for a large amount in any “decent” and reliable bank, you should be prepared to provide documents confirming solvency (certificate in the form established by a banking institution, certificate 2-NDFL, etc.). But many people are tormented by the question: “Do banks really check all income statements that fall into their hands?”.

Of course, in any bank you will be told that they carefully check the income statements of their future clients. But in practice, it is not always possible for a credit institution to pay attention to each such document, and some banks do not immediately require proof of income. But even if the client submits an online application to all banks and a preliminary approval of the loan comes, then you still have to confirm your income when you personally visit most credit organizations.

Steps for verifying the provided certificate:

1. Visual inspection of the document to check the correctness of its filling and authenticity.

2. Communication of employees of the banking security service with the person (persons) who issued and signed the document.

Checking for authenticity and correctness of filling

Lending institutions have a number of requirements for the design of a future borrower. The following columns must be filled in:

Full name of the organization, addresses (legal and actual), contact phone number, OKATO code, TIN, etc.

Full name of the head and / or chief accountant.

A distinct seal of the organization on the letterhead of the document and the signature of the employee who issued the certificate.

Full name of the employee (client) indicating the position, date of enrollment in the state, identification code.

The purpose of the document.

The amount of funds accrued, withheld and actually received by the employee over the past few months.

What design nuances can cause suspicion?

The presence of a dubious link in the upper right corner of the form.

Using any "left" software for preparing help.

There are serious deviations from the norms for issuing 2-NDFL (for example, the amount of the tax deduction is affixed with kopecks, and not rounded to whole rubles).

There are discrepancies in the data or some values are incorrectly calculated.

The form does not contain data on the accrual of certain payments (vacation, sick leave, etc.)

The serial number of the document has one digit.

As a rule, this initial stage is carried out by a loan officer.

Security check

If in doubt, an employee of the Security Service can send an official written request to the tax office regarding the certificate of a particular client. But it is unrealistic to check all certificates in this way. There are credit organizations (for example, Sberbank of Russia) that request copies of reporting documents provided by the employer company from the Pension Fund. But such information can be obtained only for the last reporting year.

The security guards at work often call the client. But the accountant over the phone is not required to report the amount of the employee's salary. He can only say that such and such an employee really works in the company, his salary is accrued monthly, the certificate was signed for him. They can also talk on the phone with the immediate supervisor of the future borrower, as well as clarify information about the place of work from his relatives.

Alternative verification methods

No wonder all banking structures do not voice. If an employee of the Security Service of the bank has acquaintances in the tax office, then he will easily “break through” the reliability of the data indicated in the certificate through “his own channels”. Naturally, the client will be rejected.

As a rule, bank employees involved in checking clients and their documentation have average salaries by position and industry. Significant excess of this value causes mistrust.

Doubt your credit history or are you going to take a loan for the first time? Then feel free to apply for a microloan without refusal with the help of our reliable service!

Banks have a lot of opportunities to check 2-personal income tax for authenticity. Let's consider these possibilities in detail.

How is the 2-NDFL certificate checked?

For what period do you need a certificate 2-NDFL

Do I need a stamp on the 2-NDFL certificate?

No, printing on the 2-NDFL certificate is not required! The approved form 2-NDFL and the procedure for filling it out do not require this.

You can check 2-NDFL for authenticity

visual inspection;
a call to the place of employment of a potential client;
check on various bases;
verification through the FIU.

Also, the bank may have its own verification methods, it depends on the organization, the borrower and the amount of the loan.

Checking for external compliance of the certificate 2-NDFL

Also, the error can be caused by the following points:

incompetence of the accountant;
software error.

In case of identified shortcomings, the bank may ask the client to explain the reason for the discrepancy.

Calling the place of work to clarify the income of the borrower

Checking 2-personal income tax according to the IFTS databases

Checking 2-NDFL through the Pension Fund

In addition to the above methods, the economic security service is constantly working. The main tasks of this division are:

Special measures to ensure the protection of material assets.
Processing data on current and potential customers.
Ensuring the protection of commercial and confidential information from interference by third parties.

Thanks to the above actions, a banking organization can perform verification of documents of any complexity.

Buy a 2-NDFL certificate with confirmation: is it worth it?

At the same time, it must be remembered that if errors are detected, the bank can transfer information to law enforcement agencies.

What is the responsibility for forging a certificate

The legislation also provides for punishment for legal entities that carry out forgery of documents.

Checking the income statement in the form of a bank

How does a bank check a borrower's income?

The check is carried out by the economic security service. First of all, the rating and other information that will help draw up a financial "portrait" of the future borrower is carefully studied. Real estate, biography, marital status can be taken into account. To provide a loan, it may be recommended to attract guarantors with a “white” official income.

Verification of certificates by a bank is a procedure that allows financial institutions to protect themselves from various types of risk. We do not recommend trying to forge certificates, as such action may be punishable. If you cannot get a loan in large institutions in which 2-personal income tax is a prerequisite, then turn your attention to other organizations. On our website, you can also ask for help from a loan officer who will help you choose a loan in accordance with your requirements and financial capabilities.

Since the beginning of 2017, the requirements for lending have become stricter. This situation is associated with many factors, in particular, with the failure of some borrowers to fulfill their obligations to repay payments. To obtain a large loan (for example, a mortgage), it is mandatory to have a 2-personal income tax certificate. It is provided to official authorities, contains a list with the following information:

about the employer (name, details)
about the employee (last name, first name, patronymic, his address)
on monthly income
about deductions
about the amount of tax that was calculated
on the amount of the employee's tax base (including codes for various types of deductions and withheld taxes)

It certainly bears the original seal of the company and the signature of the responsible manager.

Stages of consideration

The specialist pays attention to how correctly the content is reflected in all columns. And also looks at the document for falsification. Emphasizes the study of the following subtleties:

Carries out a comparison of the TIN of the enterprise, located on the certifying printed impression, with the numbers on the form. It is possible to compare with the list of legal entities from the general register (in the Federal Tax Service of the Russian Federation)
Correct observance of the sequence of calculations
No errors, erasers, other corrections and changes made. Everything is neat and tidy
Error-free entry of each indicator in certain sections

If you decide to apply for a small loan for a short period of time, most likely, after the visual matching procedure, expect a positive result.

Are you planning to take out a large loan and for a long time? A call to work may follow, as well as to relatives to gain a more complete picture of your financial situation, family well-being, further business plans and prospects. Comparison of the average salary by region and profession (position held) is practiced. It is worth knowing that if you have a dark spot in your credit history, then such a fact will not be known.

What are the consequences of forgery?

Sberbank has the opportunity to carry out a particularly thorough check of this unified document. As an argument, it can be presented that in response to requests sent to regulatory state bodies (for example, to a pension fund) about accrued income (deductions), he receives the necessary information about customers (potential and existing). This is practically the only one who has such a serious resource.

Taking and not giving back is an undertaking that is better not to start, since there are many levers of retribution from the law and the state against scammers. In cases where the payer is trustworthy, continues to punctually and conscientiously repay the debt in accordance with the contract, the security service does not waste its efforts on finding confirmation of the sources of its wealth and solvency.

3 August, 2018 | 6:35 4 577

How banks check income statements

When 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 by the Tax Code of the 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 is valid only if several key requirements are met:

it is supported by the signature of an authorized employee (accountant, manager, head of the enterprise);
no more than 30 days have passed since the date of issue to the applicant (the document is valid for 1 month);
All fields are filled in strict accordance with the established rules.

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 credit institutions operating in the domestic market do not have effective methods for verifying 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 - the economic security service. 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:

Search and calls to numbers not listed in the questionnaire. For example, through the official website of the employer, they find contacts of other employees and find out the real state of affairs in the company.
Communication with relatives in order to establish the financial situation of the borrower.

The information obtained is compared with the official data provided in the certificate, after which conclusions are drawn.

For what period is 2-personal income tax required at registration?

Another important point concerns the period covering the client's work activity 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.

Buying a 2-personal income tax certificate with confirmation: is the game worth the candle?

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:

loan refusal is the best scenario for a scammer, but quite rare;
Refusal to lend with a client blacklisted is a very common practice that makes it impossible for the borrower to further cooperate with this bank and organizations that have access to CI;
all of the above plus the involvement of law enforcement agencies. If the case involves large loans, after verification, it is likely that violations will be charged under the Criminal Code, where even imprisonment can be a punishment.

So, before taking such a risky step, you should think carefully about whether the loan approval is worth the possible sharp turns in life.

What to do if it is impossible to provide a 2-NDFL certificate for lending?

Underemployment, the minimum wage, the 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 of a 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.

How to get around the requirements of banks for 2-personal income tax without resorting to the help of an internal form?

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 unofficial additional income and feel financially confident, it is worth reporting this to the credit department. The following factors will positively affect the decision to issue a loan, even without the presence of 2-personal income tax:

deposit account in this or another bank;
the presence of immovable or movable property;
positive ;
regular trips abroad, documented and much more.

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 for you a number of current offers from banks that are currently operating. This will save time and increase the chances of getting the required amount.