How long is a 2-NDFL certificate for a loan valid, why do people need it, and also, how can citizens get it? Such questions often arise in people. In short, this document is provided upon request to various organizations, it discloses information about the income of an individual. Given that the data on wages for a certain time are fixed, the validity of such a certificate is unlimited, however, some organizations present their requirements regarding how long the document is valid.
How long is a 2-personal income tax certificate for loans?
In the event that the employee needs this paper for processing 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 time of application for a consumer loan. This is explained by the fact that the lender requires up-to-date information on the official income of the borrower. If the validity period of this paper were to be extended, banking organizations would not have information about the real income of borrowers, especially those that receive monthly incomes of different amounts. There would be a risk that in an unaccounted month the profit could be much less.
It is worth noting that in many banks on the same principle they calculate the validity period of the paper in the form of 2-personal income tax in order to obtain a mortgage loan. There are exceptions. For example, Sberbank requires a document from the borrower with a validity period of ten business days. The decision on the provision of a mortgage loan is made much more carefully in comparison with the consumer option (for urgent needs), and therefore the requirements for documentation of borrowers are more stringent.
Order of receipt
The law does not provide rules governing the question of how much a 2-NDFL certificate is valid for a loan. In fact, getting such paper in accounting from employers, people can use it after years or months. 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, the court will be able to provide this document.
Similar situations may 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 can, on their own initiative, establish their own rules for calculating the period of validity of a profit certificate, to which a person is forced to submit.
Appeal to accounting
In order to receive information about your income in this format, you need to contact the accounting department with a statement. At the same time, the purpose for which help is needed is not necessary to report. The statement should indicate the time period for which profit information 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:
- Based on 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.
- On the basis of the request of several copies at once (the bookkeeping undertakes to issue the number of certificates that the applicant asks for).
In practice, citizens, as a rule, do not abuse their right to receive 2-NDFL, and accountants often issue a certificate simply by verbal request on the date of appeal, since it takes only a few minutes to compile a salary in a computer program. Upon receipt of a paper on earnings on hand, it is considered superfluous to verify the correspondence of the given figures with the actual one, together with the absence of corrections and additional notes (they are invalid). The certificate must also have a signature and seal.
Is a labor copy required to obtain this certificate?
The easiest way is to take a document confirming income at the place of work. According to the legislation, the management is obliged to prepare a paper upon the written application of the employee. But usually it’s enough just to 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 this is done by the personnel department or accounting. That is why the employee himself does not need to collect any documents. How much a 2-NDFL certificate is valid for a loan and a copy of the work book to which banks you need to provide is described in detail below.
How long does such a certificate apply for a loan at Sberbank?
This financial institution is one of the most popular banks that help to 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-NDFL certificate is valid for a loan at Sberbank. If a person provides information about income from his place of work, then his term of service is equated to thirty days. When it comes to large-scale lending, then such a certificate should be issued no later than fourteen days ago. If it is done on a bank letterhead, then the validity period will be two weeks.
In other words, if a citizen decides on a loan at Sberbank, then he should first of all get a list of documents that will need to be subsequently provided. After that, they collect all the other papers and, in the last turn, request 2-NDFL. In this case, you need to ask the accountant to verify all the data with the report. After all, Sberbank is very attentive to this issue and usually checks 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 a 2-personal income tax certificate for a bank loan in this case? Employees of the institution may ask to bring a certificate, which 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 issuance and the place where the document is planned to be presented.
How long is this document valid in VTB?
A frequent question is how long a 2-NDFL certificate is valid for a VTB loan. The certificate in this financial organization is valid for thirty days from the date of its completion. It must necessarily be accompanied by the signature of the head of the enterprise and 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 entrusting him with the duties of the chief accountant.
How valid is this certificate in the Agricultural Bank?
It is also important to find out how much a 2-NDFL certificate is valid for a loan at the Agricultural Bank. She works for thirty days after the fact of its signing by the head. In case of delay, it will have to be reissued.
How long does 2-NDFL operate in Gazprombank?
Like the generally accepted system, the 2-NDFL certificate for a loan at Gazprombank is valid, as is the case with 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-NDFL certificate is valid for a loan at the leading banks of the country. For more information about obtaining a loan, you should contact the office of the relevant financial institution.