Informational information of the client in the form of a bank sample. Information information of the client of the legal entity sberbank sample form and subtleties of filling
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 etc. 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 the event of changes occurring.
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. When legal entity, in addition to the TIN, the checkpoint is also entered. But, there are often cases when, due to ignorance legislative framework The entrepreneur client is also asked to submit a PPC. However, the SP does not have such a code indicating the reason for staging. current legislation... In the column "KPP", the entrepreneur has the right to put zero or "no". In this section, the column of information received by the business entity during state registration with the Federal Tax Service is also filled in, namely:
OGRNP entrepreneur;
The date of its assignment, that is, changes in the state register;
Name of that tax authority who performed the procedure;
Place of registration - city, address.
Further, in the same column, the citizens of Russia write down "Russian Federation", and the subjects of the Russian Federation or municipal institutions - their full name. On a separate line the address of registration of the entrepreneur is indicated. It is the place of permanent residence, it is 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 address of an individual entrepreneur can be considered the place of his commercial activity. The above data is entered in the "Location address" column.
Informational information of a client - an individual entrepreneur provides for filling out the columns of the questionnaire with contact information. The e-mail address of the individual entrepreneur is indicated, if it is absent, "no" is put. Obligatory to fill in is information about the phone / fax of the entrepreneur.
Further, in accordance with the registration data, the individual entrepreneur enters information about economic types their activities. The OKVED code, according to which the business is conducted, must be indicated. If there are various additional codes, the entrepreneur decrypts their meaning. OKVED codes The individual entrepreneur chooses on his own, based on the intended type of his 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 a document;
A list of the activities that this license allows.
Information information of a client of an individual entrepreneur is collected bank employees to clarify the goals with 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 credit line, cash transfers, servicing the entrepreneur's accounts or other operations. It is mandatory to fill in the column in which the client-individual entrepreneur indicates whether there is a relationship with the specified bank at the moment and how long these relationships may have - long-term or short-term.
The bank, as a rule, asks to indicate the client-entrepreneur for what purpose he is doing business: making money or social activities. Also, the individual entrepreneur must indicate how often it is planned to receive money on his accounts, how many approximately operations will be carried out per month / year, how often cash will be withdrawn and for what purposes it will be spent.
Also, the individual entrepreneur indicates the number of employees, if he works alone, he puts one. The numbers of accounts that are open 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 the accounts of funds in the future. The name is indicated, and for legal entities - INN, OGRN and legal address... The questionnaire is certified with the signature of the individual entrepreneur and the seal (if available).
Information information of the client of the legal entity Sberbank sample form and subtleties 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 position and solvency. In some cases, the bank's staff is ready to make concessions to a potential client - you only need to provide the client's information in the form of the bank sberbank (Appendix 10).
Collecting 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 banking institution a special questionnaire is filled out. You need to know the number of the identification code, various certificates and much more. All that is required is to give answers to the questions posed 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 transferring information from a 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:
- The full name of the company.
- Short name (possibly an abbreviation).
- If the organization provides for the designation of LLC on English language, be sure to enter these data.
- TIN or KIO (depends on whether the company is considered a resident).
- Information about state registration.
- Complete list of contact details.
- Legal address.
- 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 focus of the 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 annex 9a to the pvc for review, the information information of the client of the legal entity, which will be needed when filling out the questionnaire, can be found in this application.
What happens in case of refusal
The legislation prescribes clear terms for storing information about the client. You cannot go beyond 10 years. This period 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 loan debt.
But it is worth remembering that the delegation of information about the client arrives at the bank after the execution of the loan and credit agreement. sum of money into the account. (Most often, these actions take place in one day). In fact, the terms of data storage are increased by the period of time during which the credit 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. However, when lending to legal entities, the legislation does not provide for the informational part.
In 2018, the data of the questionnaire continues to exist, information continues to be transmitted. To reduce the risk of refusals, it is recommended to fill out the form in accordance with the available documentation.
Information information of the client in the form of the bank
List and order of registration of documents for opening and servicing
accounts / custody accounts of a legal entity - resident
List of documents for opening and maintaining an account / custody account of a legal entity - resident
Depository forms for opening an account / custody account, drawn up by a legal entity in accordance with the Terms:
Application for depositary service (SS-11) in duplicate (if not provided earlier). If the client subscribes to the Terms of Provision of Brokerage Services of OJSC Sberbank of Russia, then instead of this document, the Investor's Application for Brokerage Services is submitted (provided once).
Instruction to open a depo account / account (provided for opening each depo account). If the client joins the Terms of Provision of Brokerage Services of Sberbank of Russia and opens a depo account “Owner”, this document is not required.
Legal entity profile. If the client subscribes to 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 the specified document is provided.
Documents required for the Bank to identify the Depositor, its beneficiaries and beneficial owners in accordance with the legislation Russian Federation in the field of combating and legalizing proceeds of crime and financing terrorism, as well as in accordance with the internal documents / policies approved by the Bank:
(When filling in the information, there should be no empty columns, in the absence of requisites, "no" is put down)
Chapter. Total informationFull name Abbreviated name Trade name / trade mark (if any) Name in a foreign language (if any) Form of incorporation INN (for a resident) / KIO (for a non-resident) Information on state registration 1 Main state registration number (OGRN) 2 ……………… ……………………………………. ………… Date of PSRN assignment… .. ………………………………………… Name of the registering authority ……………… ……………………………………………………………………………………………………………..……………Place of registration ………………………………………………………………………………………………………………….… For the Russian Federation - the words "Russian Federation", for a constituent entity of the Russian Federation - the full name of the constituent entity of the Russian Federation, for municipality- the full name of the municipality, for a foreign state - the full name of the foreign state Address of location According to the constituent documents Actual address Postal address E-mail address / website Contact phone and fax numbers Information on the amount of the authorized (pooled) capital or the amount of the authorized capital, property (at the time of filling in) Registered _______________________________________ Paid _____________________________________________ Main types of activities (including manufactured goods, services performed) in accordance with the constituent documents of the OKVED …………………………………………………………… .. ………… ………………………………………………………………………………………………………………………………… Actually carried out types of activity of OKVED …………………………………………………………… .. ………………………………………………… ……… ... ………………………………………………………………………………………………………………… ………………………………………………………………………………… Addresses of main trade and / or production offices (if any, but no 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 issuing authority ……… ………………………………. Validity period ……………………………………………… List of licensed activities ……………………… The financial position of the organization is stable unstable crisis experience work of the organization on the market: ……………………………… Balance Currency: ………………………………………………… Revenue for the reporting period. …………… ………………… Profit / Loss ………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………….
settlement and cash services
lending
placement of free Money Transfers of funds to the accounts of non-resident persons who are not residents of the Republic of Belarus or the Republic of Kazakhstan Other (specify) ………………………………………………… Existence of existing relations with the Bank (Yes / No) ... ………… Expected nature of the relationship with the Bank
short
d
long-term What 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 account opening) Planned operations on the account for the quarter (amount of operations on account (s), number of operations) in thousand rubles / dollar / euro Number of transactions ________________ Amount of transactions _______________ Estimated share of cash transactions on the account in the currency of the Russian Federation: Deposited _________________%. Withdrawals from the account _______________%. cashless transactions by accounts (share)
Settlements with counterparties (for goods, services, work performed) _____________%.Cashless transfers to individual accounts _________%.
Transactions with non-equity securities _________%.
Provision of loans, credits _________%.
Taxes ______________%.
__________________________________________
Expected nature of cash transactions on accounts (specific weight)
Social payments for wages ____%.Travel expenses __________%.
Household needs of the organization _______%.
Loans, credits ____________%.
_________________________________%.
Target financial and economic activities
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, lease of property, obtaining a loan, credit, VAT refunds, other (register) Staff size of the organization
It is important for any lender not only to issue a loan, but also to receive a guarantee of its return. As a confirmation of the borrower's solvency, the lender requires a 2NDFL certificate or an alternative one - in the form of a bank. Let's consider how the certificate on the form of the bank of Sberbank looks like in 2019, where to download its form, how to fill it out, in which cases you can do without it at all.
Help on the Sberbank form for a loan or mortgage
Official income statement natural person 2-NDFL is a confirmation of its current financial position.
It contains information about:
- employer;
- the borrower employee and his income for a certain period (usually a year);
- tax deductions;
- deductions from wages.
That is, the most complete data on the current solvency of the recipient of the document. The certificate is signed by the director and certified by the seal; it is mandatory when receiving large loans, for example, mortgages.
If it is impossible to obtain 2-NDFL from the employer, you can confirm your income with a certificate on the Sberbank form
Sometimes the borrower cannot provide 2-NDFL due to the form of ownership of the enterprise where it works, certain regulations for maintaining its documentation, etc. Many lenders in such cases accept a certificate in the form of a bank, and Sberbank is no exception. He not only accepts it, but also allows you to download the 2019 bank form in advance on his website for preliminary review and filling out. It should be filled in by an accountant or director.
You can also request a sample bank form certificate from Sberbank in person, coming to one of the offices. A member of staff will kindly provide it. It should be noted that the document has a limited validity period.
The certificate is valid no more than 30 days from the date of signing.
Download the 2019 form
Help appearance (don't use the image, below is the file to download):
Sample filling
A certificate form in accordance with the 2019 bank form in Sberbank (which can be downloaded above) for obtaining a loan or mortgage is a simplified form of personal income tax-2.
It contains information about:
- income of an individual;
- current place of work;
- positions;
- existing experience.
Contains comprehensive information about the place of work:
- postal and physical address;
- phone numbers of accounting and personnel department;
- IIN and OGRN numbers;
- bank details (bank account and credit card).
According to the terms of Sberbank, filling out a certificate in the form of a bank requires exact compliance with all of its requirements. In the explanation to the form, according to the footnotes at the bottom of the sheet, there is detailed instructions.
![](https://i1.wp.com/fin.zone/wp-content/uploads/2017/11/2017-11-17_194651.jpg)
So, when filling out the line about the length of service, if the employee is still working at the specified job, it is written "according to the current time." If the employee is dismissed, the date of dismissal is indicated. In the field of average monthly income and deductions, 6 months are taken for consideration, with less seniority, the number of actually worked and paid months of work and the average monthly income for this time are entered.
In Sberbank, a certificate of income in the form of a bank in 2019, is submitted with the signatures of the manager and the chief accountant, certified by the seal. If there is no chief accountant at the place of work, then both signatures are put by the head, but with a note that there is no accountant position at this enterprise.
The same applies to the seal: legal entities - JSC, PJSC and LLC affix it if available, guided by the charter of the legal entity. In the absence of a seal, only signatures are put.
When you can do without a certificate of income
If the client has an active salary card in Sberbank, a certificate in the form of the bank will not be required - the lender is therefore aware of the financial situation of the borrower. He will ask for it if for six months the card has not received salary accruals for more than 4 months. You will also need to obtain a certificate if the borrower wants to take into account several sources of income, because each of them requires a separate confirmation.
Sometimes you don't need to confirm financial position having a deposit in Sberbank. However, in this case, the bank will take into account whether there have been receipts on it (at least 4) for the last 6 months. The presence of an open and timely repaid loan in Sberbank also plays in the client's favor and can eliminate the need to draw up confirmation of income.
![](https://i1.wp.com/fin.zone/wp-content/uploads/2017/11/limit-kr-karta.jpg)
Other ways to confirm income
In the case when the borrower works in a state institution, the regulatory documents of which limit the possibility of issuing an official certificate of income to employees, to obtain a loan, a certificate in the form of a Sberbank bank will be replaced by another one, according to the existing model of such an institution.
At the same time, it must contain the data:
- about the employee (full name);
- the whole name of the state institution or the number of the military unit;
- his mailing address;
- Accounting department telephone number;
- average monthly and total earnings and retentions (preferably with a breakdown) for six months or actually the number of months worked;
- the document must be signed by an accountant, indicating his full name and certified by the seal of a state institution.
Such paper fully replaces the certificate in the form of Sberbank Bank 2019. It may additionally indicate the position held by bank client and experience. This data is signed by an authorized person. In this case, you will not need to submit a document confirming the employment of the borrower.
All of the above applies not only to the borrower, but also to co-borrowers and guarantors. In Sberbank, a certificate on the form of a bank for a mortgage, consumer loan or other loan does not differ. The 2019 sample is relevant.
Conclusion
In Sberbank, a certificate on the form of a bank of the sample of 2019, the form of which can be downloaded on our website, is an absolute replacement for 2-NDFL. The document has a validity period of 30 days from the date of its signing. The form is the same for all types of loans and mortgages.