Raiffeisenbank help. Help on the form of the bank in Raiffeisenbank
For Raiffeisenbank customers who need to provide a bank-form income statement in the process of signing a loan agreement, it is important to know how it actually looks. To help you figure it out, we will tell you more about the appearance of the document, its content and the required data that must be specified.
In what cases it may be needed
Many financial institutions, including Raiffeisen Bank, request documentary proof of creditworthiness from prospective borrowers. This document was a 2-NDFL certificate, and if it is not possible to get it, a salary certificate in the form of a bank. In this document, the accountant of the organization describes the position held by the applicant, the details of the employer and the level of income of the employee for at least 6 months.Why does the bank need such data? The calculation of the loan amount and regular payment is based on the amount of income. Likewise, the bank sets a credit card limit. In addition, this document increases the client's chances of getting the application approved.
A statement of income is a mandatory document if you decide to get an unsecured loan, an installment card or a mortgage with a minimum down payment. To receive a debit card, a loan secured by real estate or a mortgage loan with a down payment of more than 50%, it is not necessary to confirm income - the banking market is full of programs where such a certificate is not required.
Many citizens are employed in small businesses, where the role of accounting is performed by other organizations, so there is simply no one to issue 2-NDFL. Some employees generally work unofficially, so a bank statement is their only way out.
Advantages and disadvantages
The benefits of this help are obvious. Citizens who have the opportunity to certify the level of their income are considered more reliable for the bank than borrowers who declare their salaries only in words. And the loan amount will be directly related to the amount of monthly income, which is documented.Important! According to the requirements of banks, the amount of the loan installment should not exceed 40% of the payer's salary. If the contribution is half of the income or more, the loan will be refused or the term will be increased (the amount will be reduced).
There are also negative sides. For example, a bank form certificate is an unofficial document. Although it is accepted by credit structures, it has no legal force. When providing such a document, the bank has the right to increase the overpayment by 0.5-1.5%.
Sample bank form certificate
The document must contain the following information:- the addressee is indicated in the upper right corner of the header - the place (organization) where the information is transferred;
- the name of the document - "reference" - in the center of the sheet;
- the full name of the organization where the borrower works, its details, telephones, TIN;
- a line confirming the employment of a citizen, indicating the length of service, income net of taxes.
- at the end of the certificate, the signature of the head of the company, its decoding, the same data about the chief accountant and the round seal of the organization are put.
For those clients who are unable to confirm 2-NDFL income, the option of issuing a certificate in the form of Raiffeisenbank is suitable. It will be required to calculate the loan amount and will have the same "weight" upon approval of the application.
Any loan product of the company requires mandatory confirmation of the main source of income. In most credit organizations, this is a document from the place of work on income for the required period (2-NDFL). But there are situations when it is not possible to submit such a certificate. In such cases, you can download a certificate form in the form of Raiffeisenbank or take it from the nearest branch of the financial institution.
Statement of income in the form of a bank
For the convenience of using the line of credit products, Raiffeisenbank offers its clients to confirm the main income in any convenient way. This can be a standard 2-NDFL certificate, a completed form of income certificate in the form of a bank (for the last six months) or a tax declaration in the form of 3-NDFL.
In addition to proof of income, the prospective borrower must provide a copy of all sheets of the work book with a record that the employee is working to the present, certified by the employer.
If there are additional sources of income, the client can also confirm this in any convenient way. Additional sources of income include: part-time work, rental housing, pension payments.
Sample filling
Often, when contacting the bank, the client does not have the opportunity to confirm his income using the standard 2-NDFL certificate, this arises for various reasons. But in Raiffeisenbank, you can confirm the main income in other ways, for example, a certificate in the form of a bank.
All of the following points must be filled out in the document:
- The full name of the employer's organization;
- Organization details;
- Name and position of the client;
- Duration of work in this organization;
- Information about the salary for the required period;
- Signature with transcript of the director of the company and the chief accountant;
- Date of issue.
All the listed fields, except for the column - bank details, are mandatory. It should be borne in mind that the validity period of the certificate in the form of the bank for submitting it to Raiffeisenbank is 1 month from the date of issue, therefore, it is necessary to calculate the time correctly so that you do not have to draw up the document again.
Download the form
The income statement form in the form of the bank can be downloaded and printed independently, without having to visit a bank branch. It is in the public domain. After filling out, the head must put the seal of the organization and indicate the date of issue, otherwise the document will have no legal force.
Conclusion
In Raiffeisenbank, a bank statement simplifies the process of collecting the necessary documents for applying for a loan. It is equally valid with the generally accepted 2-NDFL, it is issued quickly, without requiring additional time.
What is a bank form statement? Where can I get a sample? How to fill in and fill it out correctly? Is it legal? Why are employers reluctant to sign such certificates? Let's go in order.
Why do we need such certificates
A bank statement is a document that can be used to confirm gray and black income. Previously, credit institutions only accepted 2-NDFL or tax returns as proof of earnings. But in our country, many citizens are forced to work without official employment and receive gray or even black salaries. Paying taxes on large incomes is unprofitable for either the employee or the employer.
Banks are well aware of this situation, and do not want to lose paying customers due to difficulties with "papers". Therefore, about five years ago, the trend changed: a bank statement appeared, a sample of which the borrower can download on the website of the respective credit institution.
All the gray part of the income fits into these certificates. The only problem is that not every employer will agree to sign such a document, while the signatures of the manager and the chief accountant (if any) are a mandatory requirement when drawing up this document.
What bank income statements look like
This is a kind of template questionnaire that the borrower must fill out. Each credit institution has its own bank statement. Sberbank asks to indicate the full name of the employee, his position, the date of commencement of work in this organization, information about the employing company (full name, addresses, phone numbers of the personnel and accounting department, TIN, OGRN, bank details). Next, you need to disclose the average monthly income and average monthly retentions for the last six months. The certificate is valid for 30 days.
Alfa-Bank requires the employee's passport data to be entered into the certificate, and the salary is indicated not once on an average monthly basis, but for each month for six months, for which a special plate is provided in the form. But there is no need to list the retention. It is enough just to enter the amount of wages after all deductions.
Where to get samples of certificates
If a credit institution accepts a certificate in the form of a bank, a sample can be downloaded on the KO's website or received in paper form at its office.
Some banks do not develop specific templates and invite customers to provide free-form help. The main thing is that it meets a number of requirements: it contains the necessary information, is supported by the signature and seal of the employing organization, and is issued on the company's letterhead (rarely).
How to fill out these certificates correctly
If you need a certificate on the bank's form, it is better to entrust its filling out to the accountant of your company. If it is not there, then you will have to fill out the document yourself, since your manager is not obliged to do this.
How difficult it will be depends on your knowledge of the structure of income, as well as the requirements of the credit institution, to which a certificate in the form of a bank will be provided. Sberbank, for example, wants to see detailed income information.
In particular, it is required to indicate the average monthly deductions from wages. This can be not only personal income tax, but also alimony, and unearned advance payment, and overpaid amounts, and many other deductions. Not everyone will figure it out on their own. If there were no deductions, then indicate the amount of tax withheld, and fill in the remaining fields with dashes.
What can not be done with a bank form certificate
You are mistaken if you think that the bank form certificate is necessary for a tick. It is checked no less thoroughly than the rest of the documents submitted by the borrower. If you are tempted to sign on your own instead of the head and tell the bank that the organization does not have a seal, then it is better to destroy this thought at the stage of its inception.
Just imagine what problems you will have at work when your boss gets a call from the bank and is asked to confirm the information in the certificate he allegedly signed! It’s even worse if the phone number on the certificate doesn’t really belong to your employer. Such things are easily verified, and if it turns out that you have lied, then for a long time you will not be able to get a loan either in this or in any other bank.
Why employers are reluctant to sign bank statements
If you tell your boss that you need a certificate on the bank's form, you may face a misunderstanding. Employers "keep" employees on black wages only because they want to save on taxes. And when the manager signs such a certificate, he actually admits that black bookkeeping is being conducted in his company.
If an employee is officially employed, then he also runs the risk of making problems with the tax authorities, because all citizens are obliged to pay taxes on income. However, the bank, on its own initiative, will not transfer this information anywhere, unless an appropriate court decision will be made.
But if you work without official employment, then the manager, most likely, will not give you this certificate for any price. Indeed, in the event of a conflict with your superiors, you can always complain to the labor inspectorate that you were allowed to work without concluding an employment contract, and then the employer will bear administrative responsibility.
Disadvantages of bank statements
Based on the above, the first drawback is obvious - this certificate is not so easy to issue.
The second disadvantage is that some banks accept this document only on condition of an increased interest rate on the loan. If the certificate is provided in combination with 2-NDFL, then the premium to the rate may depend on what part of the income is confirmed in 2-NDFL. Alfa-Bank used to have a supplement that was applied when confirming the form 2-NDFL less than 50% of the salary.
As the economic situation in the country has changed for the worse, the risks for banks have increased, and credit institutions are tightening requirements for borrowers. For example, a certificate in the form of "Alfa-Bank" is now useful only if you decide to apply for a car loan in this bank. All other loan products require 2-NDFL.
Thus, a certificate in the form of a bank will help out if it is not possible to confirm income with a 2-NDFL certificate. However, with such a document, the chances of loan approval are less, and the interest rate on the approved loan is higher than if 2-NDFL was provided.
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Raiffeisen Bank is one of the few financial institutions that considers not only 2-NDFL and 3-NDFL, but also a bank statement as proof of income.
Its registration takes place in the accounting department of the organization where the borrower is employed. There are no difficulties in the design of such.
The main requirements for a certificate in the form of a bank in 2019:
- The Bank is provided exclusively with the original document;
- The limitation period for issuing a certificate should not exceed 30 days;
- The certificate must be certified by the head of the company (Surname and Initials), as well as a seal. If the document is on two pages, the signature and seal must be present on each of them;
- The document must not be signed by the borrower's spouse, or by a person with an identical surname.
A bank statement will be needed in the case of a consumer loan, credit card, or mortgage. Only in the case of correct registration of the certificate, it will be accepted for consideration.
Mandatory information that must be reflected in the certificate:
- Date of issue of the certificate;
- Name and TIN of the company - employer;
- Full name and position of the potential borrower, to whom the certificate is issued;
- Full name of the person who issued the certificate, as well as the corresponding signature and seal;
- Information about the employee's income for the required period, with a monthly breakdown.
All fields of the certificate, except for bank details, must be filled in by the head of the organization, or by an accountant.
You can find all the necessary information and a reference form on the official website:
All necessary forms are posted on the Official website of Raiffeisenbank
It should be remembered that the Raiffeisen structure processes the personal data of the manager or the authorized person who issued this certificate in the form of the bank. This is provided by law.
The processing and verification of personal data is carried out only for security purposes and to exclude fraudulent activities.
A clean bank statement looks like this:
Form of the generated certificate in the form of the bank in 2019
Remember that confirmation of income with a free-form certificate is possible not only for basic income, but also for confirmation of part-time income.
Additional income from renting out real estate or pensions is confirmed by official documents from the relevant authorities.
If you want to receive a large amount for a mortgage, purchase of a car or for personal purposes in the form, you must additionally provide a 2-NDFL certificate. This will allow the bank to be convinced of your solvency and solvency, which will increase the chances of getting a large loan.
Completed certificate from bank specialists:
There should not be any difficulties in drawing up a certificate in the form of a bank.
Do not forget that the specified data may be subject to verification by the bank's security service. Requests to the Tax Authorities or the Pension Fund are possible for the statement of accruals from the employer company.
If the information turns out to be false, the bank may refuse to issue a loan.
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Is it possible to confirm income in Raiffeisenbank with a certificate in the form of the bank. You would like to provide Raiffeisen Bank with an income statement in the form of a bank, but you do not understand. If you want to activate the SMS notification service, you can. AO Raiffeisenbank is a subsidiary of the large Austrian banking holding Raiffeisen Bank International AG. Do you want to provide Raiffeisen Bank with an income statement in the form of a bank, but do not understand how it should look? But, if someone does not know, then this article will be of help. In the certificate in the form of the bank, the average monthly income is calculated and indicated on the basis of your salary for at least the last six months of yours. As a document confirming the income of the deputy, Raiffeisenbank is ready to consider a certificate of income for
Rules for filling out this document. To obtain a loan, you will need to confirm income in one of the following ways: 2NDFL certificate, 3NDFL certificate, bank inquiry form. Raiffeisen bank reference. Do you want to provide Raiffeisen Bank with an income statement in the form of a bank, but do not know how it should look? PDF, EPUB,! Express loans Today lending to the population is one of the most demanded banking products. Help in the form of Raiffeisenbank for obtaining a loan or mortgage is filled in free form, the employer indicates the following data. Raiffeisenbank Income statement in the form of the bank download. Raiffeisenbank help
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