The conditions for obtaining a loan from a specific bank may require providing the lender with both standard certificates in the form of 2-NDFL and declarations 3-NDFL, as well as alternative documents. Everything depends on the individual policy of the lender.
For example, sometimes you can provide a certificate in the bank's form as an alternative to 2-NDFL. The difference is that the employer will be able to indicate all of the employee's income in it, including money received "in an envelope", since the document is intended only for the creditor and does not appear in tax reporting.
What else can be used for income?
Banks do not want to lose clients who are actually solvent but do not have income from official work or from a registered business. Therefore, they are often willing to consider additional and alternative sources of income.
For example, if you legally rent out housing or receive income from turkey mobile database self-employment, provide the lender with tax reporting. The bank may also request this data on its own. Sometimes, statements from deposits and savings accounts, documents on receipt of social and insurance payments can also be used to confirm solvency.
Do they give loans to borrowers with "gray" salaries?
Yes, in theory, it is possible to get a loan from a bank with an unofficial or "gray" salary. For example, you can request a certificate from your employer in the bank's format, and also use information about alternative sources of income to confirm solvency.
However, it is worth remembering that officially employed citizens and businessmen who do not hide the real size of their income from the state are the most desirable clients for any bank.
How to get a loan with low income
It makes sense to consider the possibility of increasing them or reducing the debt burden. Remember that obtaining a loan is impossible without assessing the relevant indicators. Therefore, if you pay almost 50% of all income on current liabilities, then it is worth considering refinancing or restructuring the debt.
The information in the article is current at the time of publication. Financial conditions may change. Please check the current data on the page of the product you are interested in. The Bank is not responsible for the use of outdated information.