How valid is the 2-personal income tax certificate for a loan, why else do people need it, and also, how can citizens get it? Such questions often arise from people. In short, this document is provided upon request to various organizations, it discloses information about the income of an individual. Considering that salary data for a certain time is fixed, the validity of such a certificate is not limited, however, some organizations make their own demands on how long the document is valid.
How valid is the 2-personal income tax certificate for loans?
If an employee needs this paper to apply for a consumer loan, then according to the internal documentation of most Russian financial organizations, it is valid for thirty calendar days.
The term here is tied to the moment of application for a consumer loan. This is explained by the fact thatthe lender requires up-to-date information on the official income of the borrower. If the period of validity of this paper would be extended, banking organizations would not have information about the real income of borrowers, especially those who receive a monthly income of various amounts. There would be a risk that in the unrecorded month the profit could be significantly less.
It is worth noting that in many banks, according to the same principle, they calculate the validity of the paper in the form of 2-personal income tax in order to obtain a mortgage loan. There are also exceptions. For example, Sberbank requires a document from the borrower with a validity period of ten business days. The decision to grant a mortgage loan is made much more carefully in comparison with the consumer option (for urgent needs), in connection with this, the requirements for borrowers' documentation are more stringent.
Order of receipt
The law does not provide for rules governing the question of how much a 2-personal income tax certificate is valid for a loan. In fact, getting such paper in the accounting department from employers, people can use it years or months later. For example, in the event that in the future the employee will have to prove some circumstances with facts related to financial condition and earnings, this document can be provided to the court.
Such situations can arise in a dispute related to the division of property, maintenance obligations, debt collection and so on. At the same time, credit institutions with tax authorities may, on their own initiativeestablish their own rules for calculating the period of validity of a profit certificate, which a person is forced to obey.
In order to get information about your income in this format, you need to contact the accounting department with an application. At the same time, it is not necessary to report the purpose for which the certificate is needed. The application should indicate the time period for which information on profits is required, as well as the number of copies. Employers are required to issue such a certificate within three days from the date of application. Any refusal in the process of issuing it is considered illegal, including:
- Because of the lack of payment for the issuance of paper (income data is provided to the employee of the organization free of charge always and everywhere).
- As part of the repeated (possibly too frequent, according to the employer) application of the same employee for the same document.
- Based on the request for several copies at once (the accounting department undertakes to issue the number of certificates that the applicant requests).
In practice, citizens do not, as a rule, abuse their right to receive 2-personal income tax, and accountants often issue a certificate simply upon verbal request on the date of application, since its preparation takes only a few minutes if salary records are kept in a computer program. When receiving a paper on earnings in hand, it is considered useful to check that the given figures correspond to the actual ones, along with the absence of corrections and additions (theyare invalid). The certificate must also be signed and stamped.
Is a copy of the labor certificate required to obtain this certificate?
The easiest way is to take proof of income at the place of work. By law, management is required to prepare a paper at the written request of an employee. But usually it is enough to simply contact the accounting department and verbally ask for the preparation of the necessary documents for the required period. For registration of 2-NDFL, a copy of the labor may be required, but usually the personnel department or accounting department does this. That is why the employee himself does not need to collect any documents. The validity of the 2-NDFL certificate for a loan and a copy of the work book to which banks must be provided is described in detail below.
How long is such a certificate valid for applying for a loan at Sberbank?
This financial institution is one of the most popular banks to help you get a loan. It is worth noting that this company has its own clear conditions for lending and tries to issue loans only to those citizens who are officially employed and can confirm their solvency by presenting a relevant certificate.
It is interesting to many how much a 2-personal income tax certificate is valid for a loan from Sberbank. If a person provides information on income from his place of work, then the term of its service is equated to thirty days. When it comes to large loans, then such a certificate should be issued notlater than fourteen days ago. If it is made on bank letterhead, then the validity period will be two weeks.
In other words, if a citizen decides to take a loan from Sberbank, then he should first of all receive a list of documents that will need to be subsequently submitted. After that, all other papers are collected and, last of all, they request 2-personal income tax. In this case, you must ask the accountant to verify all the data with the report. After all, Sberbank is very attentive to this issue and usually checks the information.
If some inaccuracies are found, the organization may refuse to lend to the client. If we are talking about a large loan, then how long is the 2-NDFL certificate for a bank loan valid in this case? Employees of the institution may ask to bring a certificate that was issued three days ago. Document 2-NDFL approves information on the profitability of a working citizen for the full requested time period. The certificate is issued to the employee as many times as he needs. It should be noted that employers do not have the right to ask about the purpose of issue and the place where the document is planned to be presented.
How long is this document valid at VTB?
A common question is how long is the 2-personal income tax certificate valid for a VTB loan. The certificate in this financial institution is valid for thirty days from the date of its completion. It must necessarily contain the signature of the head of the enterprise and the accountant along with the company seal.
If the citizen's company does not have the position of an accountant or a person who fulfills his obligations, then the required document is signed by the head of the company and no one else. In this case, it is required to attach a copy of the paper imposing on him the duties of the chief accountant.
How long is this certificate valid in the Russian Agricultural Bank?
It is also important to find out how much a 2-personal income tax certificate is valid for a loan from the Russian Agricultural Bank. It works within thirty days after the fact of its signing by the head. In case of delay, you will have to re-register it.
How long does 2-personal income tax function at Gazprombank?
Like the generally accepted system, a 2-personal income tax certificate for a loan in Gazprombank is valid, as in other financial institutions. In this organization, this document is also valid for thirty days after signing by management.
In the article, we examined in detail how much a 2-personal income tax certificate is valid for a loan in the country's leading banks. For more information about obtaining a loan, please contact the office of the relevant financial institution.