The validity period of the certificate is 2 nd Fll - what are you talking about?

Almost every working person knows what 2 ndfl references are and for what they are issued. Well, let's start with the fact that any information on the workplace employee should be issued at his request for free. Of course, we are talking about certificates, which, in one way or another, reflect his work at the enterprise. And without references today, nowhere! Go and try to borrow the loan on normal human conditions, if you do not bring a heap of all kinds of notes. And to return money for study or treatment without a certificate of income is completely impossible.

2 ндфл reflects our incomes in a place of work. From such a certificate it becomes clear how much we worked and how much it received. This reference has a concrete form, according to the standard, which must be observed at any enterprise. Issued a certificate for the year, it reflects not only the amount of total income, but also monthly wages, as well as deductions from it. The period of validity of the certificate of 2 nd Fll at the request of banks is not permanent. Therefore, if the plans include taking an apartment into a mortgage, all the references must be collected in a short time, and there should not be a big difference in the days between them. The term of validity of the certificate is to be specified by the bank employee or accountant who issued the certificate. The paper itself will bear the date of issue, the signature of the accountant and the head of the organization and the seal.

As a rule, in the Savings Bank of the Russian Federation accept documents, if the period of validity of the certificate of 2 nd Fll for the issue of the loan has not expired. The expiration date of the 2 nd reference certificate in this case will be two weeks. It turns out that after the certificate was received from work, within two weeks it is necessary not only to collect all the required package of documents for the bank, but also to have time to hand them over to the bank branch.

In general, the validity of 2 ndfl is a purely logical concept. Well, you took the certificates from the previous place of work for the first half of the year to give them to a new job. But there is still no new place, but time is running out. So it can take not only two weeks, but also two months ... What, then you again to go for the specified references to the previous place of work? Of course not. No one will look at the date of issue of the certificate from the previous place, since the very fact of income reflection is important, and not the date and month of its issue. In two months nothing will change - all the numbers will remain the same!

Why, then, do credit institutions require you to observe the validity period of the certificate of 2 nd? Well, think for yourself, because it is important for a bank to know that you are able to ensure the fulfillment of the obligation assumed. Therefore, the certificate must be fresh. However, even if you quit your job a couple of months ago and took a certificate of income today, the bank will refuse to issue you a loan, despite the fact that the certificate is fresh. How so? Yes, everything is very simple! The bank needs not only fresh references, it needs solvent borrowers. And if you do not work, or work in a new location quite a bit, then for the bank you are a potential defaulter. And therefore he will not get involved with you! Accumulate at least three months of experience in a new location and try again.

Alas, but often it happens that the validity of the certificate of 2 nd fll is met, all documents are in order, but the bank refused to issue a loan. What does he not like again? And in fact the reason do not explain thus. And you look at the amounts of income reflected in the certificate. Do you have a white salary? Or are you hoping that the bank will issue a loan of one million rubles to a person whose monthly income is equal to the minimum wage? And while the borrower also has three dependents on his neck, and a rent of five thousand rubles.

So people buy the left information. It turns out that first we get the left salary (black from under the floor), and then we pay for false documents. But there is no other way out, the owners of enterprises can only appoint and pay themselves a white salary . And I want to live and get money. Only for all this, unfortunately, it turns out in different ways.