It all depends on the bank's position. In theory, income certificates may be requested when applying for any loan - from a consumer loan to a mortgage. An alternative form is a step towards clients. With its help, a potential borrower can demonstrate not only "white" but also actual total income, which will significantly increase his chances of having his application approved.
The more guarantees of the client's solvency the lender receives, the better. The advantages for the bank are expressed in the reduction of the risks of non-repayment of money, and for the client - in the increase of limits and reduction of interest rates. However, some banks issue loans without income certificates. And not only to borrowers who receive salaries on their debit cards, but also to new clients.
Important: if you don't have enough official income to apply for a loan, study your options. Perhaps you can solve the problem with a bank-issued certificate that includes your entire salary, not just the official part. Or the lender may be able to offer a product that doesn't require proof of income.
The document form must be requested from the bank. Contact belarus mobile database the support service - operators will tell you whether this option is available. If yes, they will tell you where to get a sample. Usually it can be downloaded online. The client can also be sent a sample by e-mail. If there is no possibility to print the form, it is worth asking for a paper sample at the physical office of the creditor.
The document must be completed and certified with signatures and seals by the company's director and chief accountant. Usually, it is permissible to enter information into the form on a computer or by hand. It is necessary to indicate information about the employer and the employee, as well as the length of service and the average monthly salary of the latter minus personal income tax.
What if I can't verify income?
First, familiarize yourself with the bank's position. Some lenders set strict rules for income verification and do not accept any documents except for 2-NDFL certificates. Other banks are more loyal and flexible - they can offer alternative solutions. In particular, confirm your income in any available way.