Methods of verification of income potential borrower's mortgage
To obtain the mortgage loan a prospective borrower must verify their capacity to pay, that is to show that he has sufficient income to pay the monthly bank interest. Almost all banks are required to do so, the so-called, form 2 NDFL, that is stamped certificate on income of physical persons (obtained in the accounting department). The presence of a fixed place of work and help shape 2 NDFL at least the minimum amount necessary condition in almost all banks in Moscow. But, unfortunately, not always, in our reality, wages and other income are accrued in the accounts department. And most banks, realizing this, take various other forms of income verification for a variety of schemes, which will be described below.
There income "white", "gray" and "black": "white" is almost always small and, therefore, receive them under the severe credit is virtually impossible, "gray" and "black" income often find the most stable and the most convenient for both the employee and the employer.
"White" salary - a sum, which paid all the taxes (UST plus income is 13%). It is usually small (for example, 3 thousand rubles. Per month). Large "white" wages paid in Russia, mainly in the offices of foreign companies.
"Black" wage benefit in the first place for an employer who does not pay with their UST. Worker, this wage may eliminate any opportunity to enjoy the many benefits of civilization, for example, to obtain credit.
Addition to "white" and "black", there are "gray" salary schemes to good save on tax payments. Such schemes of calculations with the workers can not be entirely fair, but also completely illegal, they are not.
Certain "gray" income for a mortgage loan include:
The most common method is a certificate from the place of work, written in free form, indicating the real income of the applicant credit.
Insurance scheme. The company insures its employees for a large sum, payment of insurance equal to salary and remitted to the account with a bank employee. In this case, the bank takes an extract from the insurance company. (Often, this type of pay is equal to the banks to the official income).
If the employer is worried and does not provide information on income, some of the banks resorted to the scheme of the oral confirmation of income - bank employee leaves the place of the applicant's credit and in an interview with the leader finds out wages and other income.
So if the employer does not want to give a certificate of earnings if the employee or the employee can not verify your income, then the number of banks have resorted to the following pattern: The availability of expensive property in man, it costs the profession and the value of the employee in the labor market, etc.
Stock. The employer puts a large sum in the accounts of the company, not a Russian tax payer. Employees become shareholders in which they are paid a monthly dividend. In this case, the bank can provide the account statements the company.
Addition to calculate the loan amount takes into account the following types of income: income from work in combination, on bank deposits, dividends, income from the letting of real estate for rent, etc.
Also at the bank's decision, including the size and terms of credit granted, may affect the following factors: social status of the borrower, his education and credentials, available real estate and securities, the number of cars. As an indirect indicator of capacity to pay are taken into account, even accounts for the mobile phone and visit potential borrower abroad. Chances to obtain a mortgage loan will increase significantly if the applicant has no credit history, that is, if he had taken a loan and within the time frame on it to pay off.
Giving credit is unconfirmed documented income, banks are certainly at risk. Therefore, the conditions of the loan will be less profitable than similar, but issued a "white" income. This is reflected in the amount of bids: loans under the "gray" and "black" income provided by larger percentage - 11% -18%, while under the "white" income is easy to get credit at a rate of 10% -11%.
