To obtain a loan from Sberbank, you must contact the bank branch and fill out the appropriate application, along with the submission of the appropriate package of documents. Among them, the most important is a certificate to Sberbank for obtaining a loan. You can download the template and form below.
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Help for obtaining a loan at Sberbank
A certificate for obtaining credit funds from Sberbank is a confirmation of the appropriate level of income for a certain period of time. That is, in fact, this is a kind of alternative to the standard form of personal income tax-2, which is included in the general list of mandatory documents required to obtain a loan.
However, any type of program makes it possible to use different methods of transferring documents. In some cases, it is impossible to obtain a document in the required format. This is dictated by the specific rules of document flow, the form of management and ownership. Therefore, Sberbank has developed such a certificate.
Terms of lending in Sberbank
A certificate to Sberbank for applying for a loan (a sample and a form for downloading - in this article) is issued in the form of a form, which should be transferred to the accounting department or the head of the company. The authorized person fills in the relevant sections, signs and appropriate seals are affixed.
There are two ways to get this certificate:
- Contact the bank branch.
- Download on the site.
Download help form
The procedure for filling out a Sberbank certificate
Often, borrowers turn to Sberbank employees not only with a request for a certificate, but also wanting to take a sample to fill out. As a rule, the last option is not stored in the department, because the form does not cause difficulties in filling out. It contains the following sections:
- Name of the applicant;
- company name;
- details and contact information. If this is an individual entrepreneur and there are no bank accounts and other data, the columns can be left blank;
- date of official registration for work;
- job title;
- average income (for 6 months). If the period of work at the enterprise is less, it is necessary to indicate it and recalculate;
- average consumption, taking into account the tax deduction and other costs for 6 months.
If the company does not have a chief accountant or other responsible person, there is no need to put signatures. The main thing is to indicate that this position does not exist.
Necessary package of documents for obtaining a loan
Certificate submission deadline
It should be taken into account that after receiving the certificate there will be only a month to fill it out and return it. When a bank certificate is issued for obtaining a mortgage at Sberbank, the employee puts the date, number and name of the bank branch on it. If the certificate is taken from the site, you need to go to Sberbank with it to get the proper marks. Otherwise, there will be difficulties. Although, in practice, such cases are rare.
It should be noted that until the relevant information is provided to the bank in full, the application will not be considered. In some situations, it is better to request a certificate in advance from Sberbank to apply for a loan. After reviewing the sample, downloading the form, you can collect documents in accordance with the mandatory list, while the accountant or manager is engaged in their execution.