The credit institution offers only 2 types of lending: commodity loan and cash loan. Documents for a loan from Russian Standard Bank will vary depending on the product chosen. In the first case, the client will only need a passport, thanks to which he will receive a commodity loan for a large amount. In the second, the borrower will have to bring any of the additional documents to the bank. The list of such securities consists of 17 items, and the bank, at its discretion, informs the borrower which document needs to be provided in this particular case. This could be a SNILS or a 2NDFL certificate, a copy of a work book certified by the employer or an INN.
What is a package of loan documents?
Each document carries its own functional load:
- For example, there are documents for a loan from Russian Standard Bank that confirm the borrower’s solvency. These include a 2NDFL salary certificate, or in the form of a bank. Indirectly confirm solvency by documents such as a foreign passport with stamps on trips abroad over the last 6-12 months, a title card for a car, a certificate of registration of ownership of real estate, etc.
- There are documents confirming the borrower's employment. These include a scanned copy of the work book, employment contract, etc.
- There are also documents that, like a passport, are designed to identify the client. Usually these are standard documents that every citizen of the Russian Federation has: SNILS, Taxpayer Identification Number, compulsory health insurance policy.
The package of documents for a loan is usually divided into minimal and complete.
Minimum package of documents
The minimum package of documents for obtaining a loan is a simplified list of papers, which is usually prescribed by the bank for obtaining express loans and small loans for short periods. This list usually includes a passport and a second identification document.
To obtain a trade loan from Russian Standard Bank, the client will need exactly the minimum package of documents, because the decision on such loans is made within 2-3 minutes and the bank simply does not have time to check the documents. It's a different matter with a cash loan. Here, the credit institution can request any document from the list at its discretion.
Complete list of documents for a loan from Russian Standard Bank
To get a cash loan from Russian Standard Bank, the client must bring with him to the bank a passport and any document from the list below:
- SNILS policy
- Driver license
- Medical policy
- Seafarer's ID card, etc.
- Military ID
- Valid Russian Standard card with first and last name on the main side.
- Foreign passport with exit stamps within 12 months.
- Certificate of permanent employment from work
- Certificate 2NDFFL about salary, or according to the bank form
- Documents confirming the opening of a deposit account between the client and the bank.
The choice of a document from the list that will need to be provided when applying for a loan will be up to the bank, and not the borrower. Depending on the credit history, solvency assessment and other indicators, the bank will select a document that can increase the borrower’s chances of a positive decision.
For example, if you have been late in repaying a loan in the past, the bank may consider you an unreliable client, but providing a certificate of employment or permanent employment will solve these problems.
If the bank doubts the borrower’s solvency, he needs to provide a 2NDFL certificate for the last 4-12 months. An excellent option would be to provide a foreign passport with a new stamp indicating a recent flight abroad, or a certificate of registration of real estate in the name of the client, etc.
Documents for a loan from Russian Standard Bank are submitted only after receiving a preliminary positive decision, when the borrower comes to the office of the credit institution to fill out the application form. After signing an extended loan application, the client must provide the bank employee with the necessary package to receive the loan. After this, all client data is checked, as are the documents submitted by him. At the end of the inspection, the lender makes a decision to issue or refuse a loan.
Where can I get documents for the bank?
The client can obtain this or that paper necessary for the bank to make a decision in different places, depending on the type of document. The table shows the main list of documents that credit institutions most often request, and also indicates where they can be made and obtained.
| Passport | Every citizen of the Russian Federation must have one. Issued at the FMS office |
| SNILS | Every citizen of the Russian Federation must have it, issued at the branch of the Pension Fund of Russia |
| TIN | Every citizen of the Russian Federation at any age who owns real estate, land, etc. should have one. Issued by the tax office |
| Bank account statement | This document can be obtained from the bank where the client has an account. As a rule, the statement is made within a few minutes. For free. |
| 2NDFL salary certificate | You can get a certificate from the accounting department at your place of work. |
| Scanned copy of the work book with certification and stamp | You can obtain the document from the accounting department at your place of work, or directly from the employer. |
A certificate in the Russian Standard bank form is not a mandatory document when applying for a loan. Proof of the borrower's income is required to apply for only some loan products offered by the bank.
Is it possible to provide Russian Standard with a certificate in the form of a bank?
The package of documents that the borrower must provide when applying to Russian Standard Bank includes a passport of a citizen of the Russian Federation, as well as a second document to choose from:
- a valid passport in the name of the borrower;
- insurance certificate of compulsory pension insurance (SNILS);
- unexpired driver's license;
- pension certificate or certificate from the territorial body of the Pension Fund about the insurance period.
In most cases, these documents are enough for the bank to assess the borrower’s creditworthiness.
Confirmation of income at Russian Standard Bank for working clients is Form 2-NDFL, which shows official income and the amount of tax paid. Even if the borrower’s official salary is lower than the actual amount of earnings, the credit institution does not provide the opportunity to issue a certificate in the bank’s form.
When Russian Standard Bank requires a certificate of income
A consumer cash loan from Russian Standard Bank can be issued without a salary certificate for an amount of up to 500,000 rubles. For clients with a salary card, the loan amount can be up to 2,000,000 rubles.
A loan for reliable clients for a period of 12 months is provided at a reduced rate and provides confirmation of the borrower’s income. To complete the application, you need a certificate of official earnings 2-NDFL. In addition, you will need a certificate of state registration of ownership of real estate or an extract from the Unified State Register of Real Estate.
All types of credit cards, as well as loans for goods issued by Russian Standard Bank at retail outlets, do not require confirmation of salary.
Who certifies the income certificate
According to the law, a 2-NDFL certificate is provided upon request of an employee no later than three days from the date of application. The document must be drawn up by an accounting employee. The certificate is signed by the director of the organization or the chief accountant.
The manager can delegate the right to sign to one or more employees. To do this, an order is issued with a list of persons authorized to sign 2-NDFL certificates. A corresponding power of attorney is issued for each of them, the details of which are indicated in the income document.
If the employer is not an individual entrepreneur, the blue seal of the organization must be present on the document.
The validity period of the 2-NDFL certificate is 30 days If during this time it was not possible to obtain a loan, the document must be re-issued.
When applying for a loan to Russian Standard Bank, proof of income is most often not required. The terms of products with a reduced rate intended for regular customers require the provision of a 2-NDFL certificate. Russian Standard Bank does not have its own form of certificate, which is an alternative to an official document.
Today, a credit card is not a luxury, but a necessity, since most citizens are accustomed to cashless payments. It’s even easier and faster to receive your salary on a credit card. Cashless payments via plastic cards are gradually becoming more popular due to their convenience and security compared to cash. This financial instrument not only gives us the opportunity to pay without the participation of cash in the transaction, but also provides the opportunity to issue a non-cash loan. In fact, a credit card can be called an analogue of a regular salary card, to which we are all so accustomed. The only difference is that the money in the credit card account belongs to the bank, and you will be required to pay it back. This type of loan is only a matter of choice and preference. To apply for a credit card today, leave a request on the Russian Standard Bank website. On this page of the site, users can familiarize themselves with credit cards, as well as the basic terms and conditions for each offer. We offer you the following credit cards:
- Russian Standard Classic Visa/Mastercard
- Russian Standard Gold Visa/Mastercard
- RSB Travel Classic
- RSB Travel Premium
- American Express Card
- American Express Gold Card
- The Platinum Card
- British Airways American Express
- Premium Card
- Imperia Platinum
- Diners Club Exclusive Card
- Diners Club Premium Card
- Miles & More Visa Classic Credit Card
- Miles & More Visa Gold Credit Card
- Miles & More Visa Signature Credit Card
If you want to apply for a credit card at Russian Standard Bank and want to calculate the future repayment schedule, you can use the online calculator on the website. To apply for a loan, it is not necessary to have a certificate of official earnings, collateral, guarantors or registration. Our bank provides the most favorable terms of cooperation. It is possible to get a credit card without proof of income and guarantors! Russian Standard Bank is introducing loyalty systems for different categories of clients, simplifying the procedure for obtaining a loan. We also take into account that not everyone has the time and opportunity to collect the required documents and certificates. You can receive your card without a certificate in just a week! To complete the application, you will need two identification documents, for example, a passport and a driver’s license. We are also ready to provide credit cards without income certificates to both clients who already have a history of service with our bank and new ones. Our clients can qualify for an increased loan amount if they have a deposit with our bank. By becoming a client of Russian Standard Bank, you can always count on a high level of service and favorable conditions for issuing credit cards. If you don’t know where it’s best to get credit card certificates from guarantors, then contact us. Contact Russian Standard Bank specialists at the specified phone number. The manager will provide information about offers available in Moscow and other cities. You can also submit an online application for a credit card and receive a decision via SMS within 15 minutes. You can then monitor your account status and make payments via online banking, which is always very convenient.
Certificate of income according to bank form— an alternative to the 2-NDFL certificate, a document confirming the income of a potential borrower. The bank requests this document if the borrower, who is employed, cannot provide a certificate of the established form (not all wages paid at the enterprise are issued “in white”). Just like the 2-NDFL certificate, this document is signed by the chief accountant and director of the enterprise and sealed with the seal of the organization. The certificate is valid for up to 30 days and may vary depending on the requirements of the bank.
| Bank |
How to fill out an income certificate using a bank form
The bank form certificate is not the same document for all banks and has different forms, but in almost all banks the requested information is the same:
Full name of the employee - here you simply write your name;
the full name of the legal entity where the borrower works - it will be given to you in the HR or accounting department, some organizations may consist of several legal entities, in this case you must indicate exactly where you are actually employed and with whom you have an employment contract (if it is in principle);
position held, length of service - can also be taken from the employment contract or from the human resources department (if there is none, from the accounting department);
TIN/OGRN of the organization - you can get it from the accounting department, which will give you a copy of the certificates or all the details of the legal entity you need) or on any agreement with the legal entity in which you are employed;
actual/legal address of the legal entity in which the borrower works - information can also be obtained from any agreement with this organization;
phone number of the organization - it is better to indicate several phone numbers: one - the manager’s secretary or the manager himself, the second - the phone number of your department, the fact is that the bank’s security service will call it and check whether the borrower really works in the organization with the specified phone number, and if they get through several times, and they won’t be able to call you to the phone - it will be very difficult to prove later that you really work there;
average salary of an employee for the last six months or a year (depending on the requirements of the bank) - information can be provided by the accounting department or indicated by you personally from your memory (unlike the 2NDFL certificate, in bank form certificates the salary is indicated mainly without taxes - actually received amount in hand);
the validity period of the employment contract, if it is fixed-term, is taken from the employment contract;
signatures of the head and chief accountant of the organization.
Filling samples
In order to make it clear how to fill out such certificates, we have provided several samples of completed certificates with fictitious borrowers. For example, the largest banks are given - Sberbank, VTB24 Bank and Uralsib Bank.
Sample of filling out a certificate according to the VTB24 bank form
Sample of filling out a certificate using the Sberbank form
A certificate in the form of Russian Standard Bank is a document on income that employees of a credit institution can request when considering a potential client’s application for a large loan. We'll tell you where to download the Russian Standard Bank certificate form and how to fill it out correctly.
Certificate of income in the form of Russian Standard Bank - why is it needed?
When providing loans, banks are interested not only in expanding the loan portfolio, but also in the high solvency of their clients. Therefore, they select borrowers based on their financial status. An income certificate allows you to assess how much money a citizen receives and whether he will be able to repay the loan and interest on time.
Who issues it and how to apply
The management on the official website does not advertise where to download a sample certificate in the Russian Standard Bank form (2019), since it has not approved a special form for such a case. And the official document that can confirm the income of an individual is Form 2-NDFL, issued by the employer. Therefore, if you plan to get a loan from this credit institution, you need to contact the accounting department and ask to generate a document about the income received.
There is no need to pay any money: papers related to work activities, including wages paid and taxes paid, are processed free of charge. The only thing is that you will have to write a written application with a request to issue a 2-NDFL and wait 3 days. This period is allotted by law for the preparation of paper.
Sample of a completed income document
Since the management of Russian Standard Bank has not approved its own form for confirming income, potential borrowers must use the ordinary 2-NDFL form. But as of January 1, 2019, the Tax Service approved 2 documents with the same name. Employers use one for filing reports, and the other is designed specifically for handing out to individuals.
You can download the certificate form for Russian Standard Bank (2019) at the end of the article.
Be sure to check that the accountant has an up-to-date Form 2-NDFL. Or you can download a certificate using the Russian Standard Bank form on our website, print the form and ask an accountant to fill it out. In this case, you will be sure that the document is suitable.
The completed paper contains information:
- about the employer;
- employee;
- the income he received (in the form of salary, vacation pay, sick leave, travel allowance, bonuses) and tax deductions;
- withheld and remitted income tax.
An example of a completed income certificate
Be sure to check with the Russian Standard Bank branch for what period you need to confirm income. It could be a year, or two, or 6 months. In our example, the information is provided for the entire year of 2018.
Validity
It is not difficult to make a document confirming the presence and amount of income for a certain period. Therefore, it is better if it is “fresh”: issued within 1-3 weeks. In general, the 2-NDFL form does not have an “expiration date”.
What other documents are needed to obtain a loan from Russian Standard Bank?
Officially, a potential borrower will need a passport (identity card) and one of the documents to choose from:
- valid international passport;
- SNILS;
- a valid driver's license;
- pension certificate, a certificate from the Pension Fund of the Russian Federation about the insurance experience of the insured person and the amount of the pension he receives in old age, for long service or in the presence of disability.
If the consumer loan exceeds 500,000 rubles, you may also need documents for real estate and a vehicle (extract from the Unified State Register, PTS), and a Russian Standard bank card.
Each bank has rules that provide for approval to issue loans only to clients who have proven their solvency. A responsible borrower is obliged to repay the bank the entire loan amount with interest, do it on time and without delay. You can “tear your vest” by proving your honesty, but without documentary evidence no one will dare to give you a significant amount. To do this, you will need a certificate of income in the form of the bank. Let's take a closer look at this document and the rules for filling it out.
Why is an income certificate filled out according to the bank form?
It's no secret that many employees, in addition to their official salaries, receive additional bonuses in envelopes. Employers have many reasons for this, but we will not go into details, because this is not the subject of our discussion.
When coming to the bank for a loan, it is difficult for such a borrower to prove his level of income, as a result of which the bank refuses to issue large sums to the client in order to avoid risks.
What to do in such a situation? A solution has been found - this is a certificate of income in the form of a bank. The forms of all banks are very similar, but there are some nuances, which I will also talk about in this article.
What you need to fill out in the certificate
If you do not have all the information required to fill out the certificate, contact your accountant, who will tell you your salary for the last year (by month) and the amount of contributions to the tax authorities. Some credit institutions may require you to provide more data than you expected, but there is also a standard set of fields that you will have to fill out.
Any form will contain items such as:
- Full name of the employee wishing to take out a loan;
- Borrower's position;
- Work experience in the company providing the certificate;
- Monthly salary for the last 6-12 months;
- Deductions from wages (depending on the requirements of a particular bank).
The bank considers only the amount that remains after all deductions. Taxes, alimony, and deductions under writs of execution can “eat off” a large chunk of your salary; this must be taken into account when filling out the certificate.
What difficulties may arise
A certificate in the form of a bank is a salvation for many borrowers, but when it falls into the hands of the director, the chances of getting a loan can disappear like dust on the road.
Banks guarantee that such papers confirming clients’ income are exclusively internal documents and never leave the walls of credit institutions. Despite this, employers are in no hurry to sign bank certificates. The concerns are obvious. If such information falls into the hands of tax authorities, they may be interested in the difference between the salary included in tax reports and the real one. The chief accountant of the company cannot avoid trouble then. Before filling out the income certificate in the bank form, you should meet with management and get approval. If you are valued as an employee and are ready to meet you halfway, you can receive a certified document quickly.
If I take out a loan with a certificate, is this reflected in the terms of the loan?
Unfortunately, it is reflected. A certificate in the form of a bank does not guarantee 100% your solvency. There are frequent cases of forgery of such documents, inflated salaries, reduced deductions, etc.
All banks warn that the absence of Form 2 personal income tax will necessarily affect the interest rate and loan term.
Any bank needs money back guarantees. If you are not completely sure of this, you need to insure possible losses at least by increasing the interest rate.
Despite this unfortunate amendment to your loan agreement, the terms of each lender are different. Sometimes you can find offers in which a loan with a certificate in the bank’s form turns out to be more profitable than an offer from another (more well-known) bank with the provided form 2 personal income tax. He who seeks will find!
How does the bank verify your income certificate?
All certificates provided by clients are thoroughly checked. For this purpose, credit institutions have special departments responsible for economic security. First of all, your credit history is checked. This data allows you to form a “portrait of the borrower.”
Bank specialists can make several calls to your company to verify the data specified in the certificate. They may ask about your marital status, employee reviews, and whether you own any property. Of course, these are very personal questions that you or your work colleagues are not obliged to answer, but you need money and the decision may depend on these answers.
What can your unofficial income prove?
If you have an official job, then an income certificate in the form of a bank is an excellent way to confirm the entire amount of income you receive. If in fact you receive income that exceeds your official salary, then this is reflected in a document signed by the chief accountant and the head of the company.
But there are other ways to generate income that cannot be reflected in the certificate. This could be renting out real estate. You may have such income recognized if you provide proof in the form of a tax return on payment of taxes on the profits received. If there is no evidence, such revenues will not be counted towards your budget.
Not everyone has the desire to demonstrate their income to the tax authorities. What can be done in such a situation?
We share responsibility with the guarantor
You need to find a guarantor with a solid “white” salary who can officially confirm his income by providing the necessary documents to the lender. The loan agreement states that in the event of your insolvency, responsibility is transferred to your guarantor. Most often, the borrower's relatives or close friends act as guarantors. If you can’t live up to your obligations, think carefully about the person you can set up.
Freelancer income confirmation
If you are freelancing or making a living as a “freelance artist,” your earnings can be demonstrated to the bank in the form of a statement from your card account. Regular payments to the card may indicate a constant receipt of income. You can also demonstrate to the bank the results of your activities in the form of painted paintings, websites, sculptures, interior designs, etc. The lender will take into account your application, but not in full (as a rule, no more than 50% of gray income is taken into account). The main thing in this matter is not the amount, but the regularity of payments.
