banking practice shows that customers are responsible for preparing registration of the credit in advance, pondering all the details of the future obligation.However, in most cases, a decision to borrowings taken by individuals spontaneously - under the influence of various vital circumstances.And as the official banking institutions are always ready to give loan with the help of 2-PIT, should think about how to advance to request this document in accounting.So what's hiding under that financial terms?
Form 2-PIT: what it is and for what purpose it is needed
document approved by order of the head of the Federal Tax Service №MMB 7-3 / 611 from 17.11.2010, the This certificate, which is issued to the employee employee accounts signed by the head offices orthe second most important official - the chief accountant of the company, in fact, is a confirmation of its income for the past year.
Why 2NDFL help?The financial information contained in this document allows employees credit department to analyze the solvency of a potential borrower and make a conclusion about the possibility of further consideration of the loan application.
main content of the document
The certificate on Form 2-PIT, in addition to "white" wages, accrued employee of the company for a certain period reflects the following points:
- department number the IRS;
- worker's status (resident or non-resident);
- personal data of the taxpayer (INN, date of birth, residence address and information about the current passport);
- deductions required employee (by type);
- size withheld and transferred during the reporting period tax revenues.
What information is interested in the bank's employees in the first place?
Help 2-PIT for a loan makes it possible to analyze and compare the data with each other, the list of which is given below.
1. size of the official monthly income. to calculate the maximum permitted by the issuance of the loan amount is usually taken the average value of wages for a specific period (usually - for the last six months).In some cases, the total amount of earnings deducted two values - the minimum and maximum.Some banks do not take into account funds received by the borrower in a single order (payment on contracts, financial assistance).
2. Size accrued, withheld and paid to the budget of the tax. discrepancies in the information in these paragraphs is usually wary of security lending institutions.Employees of the bank can make an additional check by sending a request to the tax office.The discrepancy between the data which shows the reference 2-PIT for the credit information for the borrower FTS Threatens even entering in "black list".
3. presence of a potential borrower's dependents (children). employee credit department in the calculation of the solvency shall take account of all the family members of the applicant, within its software.Number of children is usually specified by the client in the application form, filled in when applying for a loan.Mark the birth of the child (ren) can be found in the passport of the borrower.However, these data are not always reliable.Confirm the information by means of section 4 of the statement of earnings.The actual number of children is determined by subtracting the code: 114.115 and 116.
In some cases, this document is not necessary?
Addressing "When you need a 2-PIT?" Should begin with the selection of an institution to serve.Much depends on whether the applicant time to consider the bank's credit application.After a solid credit institutions required to request this document income.
However, reference 2-PIT for the loan may not be required if the applicant is the recipient of wages on a plastic card of the Bank under the current "salary" projects.In this case, the bank employee takes the data on its revenues from account statement.
Information on the amount of average monthly earnings will not be required in the event that the customer will address one of the Russian microfinance organizations engaged in issuing loans to the population.Buy goods on credit at the store also can not confirm the actual income received.
rapid disbursement of funds borrowed are currently involved in numerous companies express lending.Nevertheless, it should be noted that for simplicity and speed of registration of such loans are hiding prohibitively inflated interest rates.
Things to Avoid potential borrowers?
Help 2-PIT for the loan should only contain reliable information about future earnings by the borrowers.As is known, in the country now operates many companies offering to give money for the "beautiful" allegedly received a certificate of income.But do not buy into these statements questionable organizations.If the information is to provide false information in the audit department of the bank security will be revealed, the borrower can expect not only a refusal to cooperate, but the entry in the list of unreliable customers.
should take responsibility for the collection of documents for the loan.Good luck in financial affairs - all sure to succeed!
