When issuing any types of loans, any lender wants to be convinced of the client's solvency. This instills confidence that financial obligations will be repaid on time and in full. There are several ways to make sure that the client has sufficient income, work, and is solvent.
It is necessary
- - certificate of income of the 2-NDFL form;
- - certificate of income in the form of a credit institution;
- - certificate from the place of work;
- - certificate from the Pension Fund;
- - information on taxes paid;
- - certificate of property value.
Instructions
Step 1
Ask the client to submit a 2-NDFL income statement. This document reflects the entire level of income, payment of taxes and allows you to fully verify the client's solvency.
Step 2
If the client has a "gray wage", which is still practiced in many enterprises and is issued in envelopes, you can ask the client to show the client's income statement in your form. It is not a document of strict financial reporting, so any employer can issue it without any problems.
Step 3
Check the seal and signature of the company on the received certificate and ask for an additional certificate from the place of work. Compare the submitted documents, you can make another control check by calling the accounting department of the enterprise. You will not be provided with information on income, but they will be able to confirm that your client works in this company.
Step 4
If you are approached by a client of retirement age, then you can check his solvency if you ask for a certificate of the amount of pension from the Pension Fund.
Step 5
More information about income can be obtained from the tax office. Even if the client is not officially employed anywhere, this does not mean that he does not have enough income to pay off his financial obligations. If a person has non-criminal types of income, then from him, like from any respectable taxpayer, income tax is calculated and transferred to the tax office in the amount of 13% of the total income. From the number of transfers, you can easily calculate the amount of available income.
Step 6
Additionally, you can ask for a certificate of the value of the existing property. This is especially true if the amount borrowed is very large, and the income does not allow you to be sure that all financial obligations will be fulfilled in full.
