Moscow company Law Firm» is engaged in the professional preparation of documents for obtaining a loan. Such documents are required by financial institutions to confirm the client’s solvency and directly affect the positive result when applying for a loan. At the Moscow Legal Company, you can not only order a certificate of 2 personal income tax and a copy of the work book with confirmation, but also receive qualified advice from our lawyers completely free of charge.

The package of documents includes:

• Certificate 2-NDFL (new sample with bar code) certified by the seal of the organization
• A certified copy of the work record (certified by the personnel service)
• Information letter about the organization
• Confirmation by phone
• Entering information into all government databases
• Free shipping

"Moscow Legal Company" offers services for preparing documents that will be needed for consumer lending. We issue loan certificates - quickly, reliably, without prepayment and with a 100% guarantee of results. The company works with the largest holdings of the Russian Federation and officially registers clients in all government databases.

Passport of a citizen of the Russian Federation and an additional document confirming the identity of the borrower (military ID, foreign passport, etc.) - minimum package documents for registration bank loan. In some cases you will be required to provide a copy employment contract, certificate of income from the last place of work (in free form, according to form 2-NDFL):

and a copy of the pages of the work book, certified by the employer:

If you are interested in ordering documents for a loan with confirmation in Moscow, leave an online application on our website or request a call back. Moscow Legal Company specialists will contact you and provide qualified assistance. When ordering services for the preparation of documents in the amount of 3,000 rubles, delivery of documents within metro stations (Moscow) is free of charge. The speed of completing an application will please the most demanding clients. With Moscow Legal Company, ordering a package of documents for a loan is easy and simple! Order documents from the Moscow Legal Company today and tomorrow you will receive a positive decision from any bank. We prepare documents with entry into all state databases (officially) from 3-5 hours thanks to our administrative resource.

Collect everything necessary documents to apply for a loan is a process that requires certain skills, knowledge, experience and free time. Not everyone can do this on their own. And even if you go to the bank with all the collected documents, there is still a chance of refusal to issue a loan.

Therefore, our company is ready to assist you in such a troublesome matter. We will collect documents for the loan for you! Our specialists know all the nuances of preparing the necessary documents and will be able to advise you on any questions that arise. With our help, your chances of getting a loan increase significantly.

We provide services for preparing a package of necessary documents: for obtaining a consumer loan, for the purchase of real estate with a mortgage loan, a car loan.

The set of documents provided consists of:

• a certified copy of your work record at your place of work;
• 2-NDFL certificates confirming official income;
• certificates in the bank form;
• a supporting document from your current place of work.

As you can see, collecting such a package of certificates and documents is a very labor-intensive procedure that can take a lot of your time and effort.

Separately, it is worth mentioning all those who live in the city of Moscow and who do not have a confirmed official income. For them access to receive borrowed money in banking institutions will be very limited. They have practically no real chance of obtaining a loan for large amounts for favorable conditions. But there is still a way out: buy a ready-made package of all the necessary documents for obtaining a credit loan with a guarantee in Moscow.

It is also necessary to take into account the fact that the requirements put forward various banks to a potential borrower may differ, which means that the list of documents provided will also be individual for each organization.

The main advantages of working with us:

• prompt execution of absolutely any document or necessary certificate;
• correct filling of all necessary information that does not contradict and fully satisfies everyone banking conditions and requirements;
• providing additional reference information, which contains a detailed list of reliable banks offering to take credit loan on favorable terms, and necessary recommendations according to the submission procedure loan application to the bank;
• favorable conditions, affordable prices, various shapes payment;
  100% reliability of the entire transaction. We provide a guarantee for our services. Our company has a wide and extensive network of branches. Everyone is officially registered and carries out their activities absolutely legally. We provide all necessary reporting. All transactions are taken into account and entered into the database. Our regular customers have been choosing us for several years.

You can always buy documents for a loan with confirmation from us! We prepare all the necessary documentation for absolutely any financial organization specializing in issuing credit loans. We guarantee that by using the services of our company, you will definitely receive the entire required amount Money for any purpose!

Documents for obtaining a loan: how to prepare correctly?

Study everything carefully collected documents, every comma, signature and seal. Everything must be filled out in legible handwriting, without any blots. The information must be true and not contradict all the requirements and conditions put forward by the bank.

A common problem in such cases: issuing a 2-NDFL certificate. In our country, very often the official salary is significantly underestimated, and sometimes does not even reach minimum value, and the bulk of the funds are issued in an envelope.

Unfortunately, such a certificate is not suitable for a banking institution. The bank considers each client’s application based on confirmed official income. The potential for repaying the loan is being studied. For settlement, the bank can only accept the income indicated in the document. As a rule, other sources of income that cannot be confirmed by an official document are not considered by the bank.

All such troubles can be very easily avoided. It is enough to use the services of our company. This will help you avoid wasting valuable time. Buying documents to obtain a loan in Moscow is a guaranteed way to avoid bureaucratic obstacles.

Buy loan documents: quickly and easily

To purchase a package of all necessary documents, just contact our branch located in Moscow and other cities. Leave a request and choose necessary documents You can also use our website or call us!

When applying for a loan in cash or credit card In addition to the application and the original passport of a citizen of the Russian Federation, papers are usually required confirming the presence of an official source of income and the solvency of the applicant. The volume of the package differs depending on the specific bank and its current conditions and lending programs. Next, we will consider what basic and additional documents are needed to apply for a loan.

Primary requirements

Banks strictly approach the verification of papers and their compliance with the requirements:

1. The application form for taking out a loan is filled out by the bank manager when interviewing the borrower or online (in this case, the computer simply will not accept incorrectly entered data).
2. The civil passport must be marked permanent registration. In some cases, temporary registration is allowed, but with the obligatory condition of providing a document confirming this fact.

To confirm the presence of a permanent place of work, the borrower needs to bring one or more documents from the following list:

• work book (copy) or extract from the work book;
• a certified copy of the employment contract;
• a certificate from the place of employment indicating information about the length of service, position or a copy of the employment agreement or contract.

You can confirm your income and solvency in this way:

• certificate 2-NDFL;
• a certificate similar to that of a bank;
• certificate free form from the employer, if restrictions are allowed on the issuance of 2-NDFL certificates to employees - drawn up on the institution’s letterhead or with a corner stamp.

The minimum package may only include an application and a passport, but the lending conditions in this case are the least favorable. The more evidence you provide of your solvency, the lower the rates and higher the amounts.

Additional documents

Banks provide an opportunity to confirm their financial solvency if the borrower has other official sources of income. To assess solvency, the following are accepted:

• certificate of receipt of pension;
• rental agreement for residential/non-residential premises;
• copy tax return(according to form 3-NDFL);
• confirmation of receipt of other types of income, including civil ones.

Also in favor of the borrower will be a copy of a foreign passport with a stamp about trips abroad during the last six months or a year, account statements, and card transactions. But if you apply for a loan at the bank where you are serviced and keep your savings, then you do not need additional paperwork - credit department and thus receive information about your savings and expenses.

Documents issued by the employer are valid for 30 days. If the borrower has in the bank valid card, where the salary is calculated, you will not need to confirm income and employment.

The following are also provided as additional identification documents:

• military ticket (for men under 27 years old);
• international passport;
• medical insurance;
• SNILS.

For large loans, some banks require a document on education, marriage and birth certificates, divorce certificates, a marriage contract or a certificate of its absence.

Secured loan

Loans to an individual can be issued on the security of property owned by him. As collateral property banks accept real estate and vehicles.

If the loan is secured by real estate, then in addition to the application and passport of a citizen of the Russian Federation, documents confirming ownership of this object will be required. The following is provided as proof of ownership:

• certificate of state registration property rights/Extract from the Unified State Register/Extract from the Unified State Register of Real Estate;
• the basis for the emergence of property rights (sale and purchase agreement, gift, etc.);
• extract from the house register.

When obtaining a loan secured by a car, you additionally need:

• driver's license;
• vehicle registration certificate;
• vehicle passport;
• OSAGO insurance policy.

Conditions for obtaining a secured loan are that there is no encumbrance on the property and preliminary agreements about its transfer to third parties.

List of documentation for legal entities and businesses

List of documents for obtaining a loan legal entities differs significantly from conventional consumer lending:

• statement;
• passport of a citizen of the Russian Federation of the founder or individual entrepreneur;
• constituent and registration documents of a legal entity/individual entrepreneur;
• reporting on financial activities;
• documents on economic activities.

Banks are very demanding about the correct execution of documents and certificates, so you should carefully study them and prepare documents on this basis.

Sample certificate

If it is not possible to confirm your income with a 2-NDFL certificate, banks allow you to do this using their document: a certificate in the bank’s form. The form can be taken directly from a bank branch or downloaded from its official website. If the credit institution does not have its own developed form, then you can draw up the document yourself. The main thing is that it reflects income and other necessary information about the borrower and his place of work. As a sample for drawing up your certificate, you can use this form, which is used in Sberbank, just put the desired name of the bank and other data in it.

Buy documents or prepare it yourself?

Independent preparation of documents for obtaining a loan will require some time and effort. Some organizations provide registration services required package documents.

What is included in these services? For a certain fee, the organization prepares a complete package of documents at the client’s request. Sometimes these documents are fictitious, but contain information necessary for banks.

Why is this necessary? People tend to buy documents from such organizations if they have a low official income or receive a “gray” salary and in unofficial employment - in all cases when the borrower cannot provide certificates and documents from work.

Despite the high guarantees from such organizations, this type of activity has signs of fraud. If, during a security check, the fact of document falsification is revealed, then the minimum that threatens the client is a lifelong blacklist in all credit organizations. Or transmitting information to the competent authorities and opening a case under the article “Aiding in fraud.”

The process of applying for any loan begins with collecting documents. Their list may differ significantly depending on the lending program you are interested in and the bank you choose: there are documents that will be required in any case, and those that may be needed exclusively when applying for a certain type of consumer loan. At the same time, the presence of certain certificates and certificates in the credit file significantly increases the borrower’s chances of receiving a loan. We will consider in detail all the documents that may be needed during the registration process, dividing them into mandatory and additional, as well as those that are required for mortgage and car lending.

Standard package of documents

Regardless of which lending program you choose, you will need to provide the bank manager with the original civil passport (a photocopy of all completed pages is made, which is certified by the borrower’s signature, stamp and signature of the bank manager). You will also need to fill out a loan application and questionnaire. Some credit institutions offer the borrower an application form (this document combines both forms).

When applying for both consumer loans and mortgage loans, in most cases, banks additionally require you to provide:

1. A copy of the work book certified by the HR department or another document confirming employment (certificate from the employer, a copy of the employment agreement or contract, an extract from the work book). The documents must contain information about the position held and length of service. Documents must be certified page by page. Sailors must provide contracts for the last 2-4 years, their official translation into Russian and a seafarer’s passport.
2. Certificate of income in the form established by the bank, or in form 2-NDFL, signed and certified by the seal of the enterprise. The certificate must contain information about income for at least the previous 6 months. If you have another official source of income other than wages(pension, income from rental property, etc.), provide supporting documents - this will increase the chances of receiving a loan. We talked about these documents in more detail in the article “Confirmation of income in the bank - income certificates.”
3. Military ID, registration certificate or other documents confirming the availability of a deferment from military service for borrowers under the age of 27.

Naturally, in addition to this list, many financial organizations are asked to provide additional documents. We will talk about them further.

Additional documents confirming the identity and social status of the borrower

You can prepare and submit these documents to the bank not only at the request of the manager, but also on your own initiative. Many of them will help confirm your social status and will positively affect the results of the credit assessment. It is advisable to provide these documents as usual consumer lending, and when applying for loans secured by cars and real estate. These include:

• driver's license or vehicle registration certificate;
• TIN (Certificate of registration with the tax authority);
• insurance certificate of the State Pension Fund;
• international passport;
• available insurance policies(including compulsory medical insurance, compulsory motor liability insurance, CASCO insurance, etc.);
• original or copy of the certificate of ownership of real estate owned by the borrower (ownership or co-ownership);
• documents confirming the presence valuable papers or bank accounts, bank statements;
• copies of documents on the education received: diplomas, certificates, certificates;
• copies loan agreements, bank certificates about the absence of debt, statements of loan accounts;
• original or copy of the certificate of marriage (divorce), birth of a child.

In some cases, when issuing a personal loan for the purchase of goods (for example, household appliances), banks may ask for an invoice from the store; when receiving an education loan - an agreement with educational institution and a copy of the license for the right to carry out educational activities.

Compared with consumer loans, a more complete list of documents is provided for obtaining loans secured by real estate (mortgage) or car (car loans). More details about this.

Documents required when applying for a secured loan

When lending secured by property, the bank will require you to provide all the documents described by us in the list of main and additional ones, as well as certificates and certificates characterizing the object of collateral and confirming your ownership of it. For a mortgage this is:

• originals of title documents (sale and purchase agreements, exchange, donation; court decision; certificate of inheritance; resolution authorized body state power);
• original certificate of state registration of ownership;
• cadastral passport and floor plan(when registering property more than 5 years ago) - registered in the BTI;
• cadastral passport for land plot(registered at the Cadastral Chamber);
• construction permit (if the loan is issued for the construction of a residential building, and a land plot is pledged as collateral);
• extract from the United state register rights to real estate and transactions with it (USRP);
• extended extract from the house register.

When applying for a loan secured by a car, you will be required to:

• car purchase and sale agreement;
• invoice from the car dealership (for new cars);
• a copy of the car's passport;
• vehicle registration certificate (for used cars).

Subsequently, upon receipt positive decision bank for a loan secured by real estate or a car, the borrower undertakes to provide the written consent of the spouse to transfer property as security for the loan; payment receipt down payment; insurance contract and receipt for payment of insurance premiums; conclusion of appraisers, etc. A more detailed list will be announced by the manager of a particular bank.

Banks may impose additional conditions when lending under the guarantee of individuals and when applying for a loan by an individual entrepreneur. More about this.

Documents provided by guarantors and individual entrepreneurs

If the loan is issued by an individual – individual entrepreneur, he is obliged to provide the following documents:

• a copy of the tax return in form 3-NDFL or under the simplified taxation system for last year And last reporting period current year.
• original and notarized copy of the certificate of state registration of individual entrepreneurs.
• statement of accounts from the bank serving the individual entrepreneur for 6-12 months.
• documents confirming the conduct of activities (agreements with suppliers, certificates of completed work, etc.).

If the loan is issued under the guarantee of an individual or with the involvement of a co-borrower, the bank will require the same documents from your guarantor as from you (with the exception of documents confirming ownership of the property being pledged).

To summarize, we note that the bank’s decision to issue a loan largely depends on the completeness of the package of documents provided. It is not always worth limiting yourself to the minimum list: it is better to prepare an extra certificate or take an unnecessary diploma than to miss the opportunity to get a profitable loan.

At least once, each of us used a loan. I want to constantly improve my life, go on vacation or become the owner of a brand new car. But due to the high cost of goods and services, it is not always possible to raise the required amount in a short time. Then a loan comes to the rescue.

The financial and credit organization is ready to provide the required amount. All you need to do is present documents and make a certificate for the loan.

Now getting a consumer, mortgage or car loan is not a problem. Our company will prepare documents in a short time for only 3,000 rubles.

Why us?

• The company has a clean tax identification number and a good cash balance.
• We are not on the blacklists of banking institutions.
• Preparation of documents takes no more than three hours.
• The bank receives confirmation that you work for us.
• There is no prepayment for services.

At the exit you receive the following set of documents: a certificate of the established form with the required level of income, a photocopy of the work book with the employer’s seal, a certificate of income level made in accordance with the requirements of the bank, confirmation from the place of employment.

How does confirmation take place?

The head of the HR department communicates with the bank representative, Chief Accountant companies. They will clearly and competently confirm that you are employed and can repay the loan. Firms that take part in employment must be checked using the Taxpayer Identification Number (TIN) and have medium to large financial turnover. Specialists professionally draw up the documents necessary to obtain a loan from a bank. A folder of documents can be ordered from our website, or by calling the numbers provided.

Reasons for the demand for a loan

As a rule, the bank is contacted smart people who know how to earn good money, correctly calculate risks, consider the nuances and benefits. Today, credit money is in demand for the following reasons:

• New car.
• Housing.
• Home comfort items, appliances.
• Things, expensive accessories.
• Rest, travel.

What do you need to have to get a loan?

In order to receive the coveted amount of money, the borrower will need a certain list of documents:

• Questionnaire of a banking institution.
• Copies of passport pages.
• Help for in the prescribed form 2 personal income tax.
• Certificate from the official place of employment.
• Copies of work book pages.

You will not receive a loan without this set of documents from any bank. There are frequent situations when borrowers do not repay borrowed funds on time, so the bank is justifiably reinsured.

In practice, it has been shown that certificate 2 of personal income tax raises the most questions. Our clients may not always be able to obtain this certificate from the official place of employment. To avoid bank refusal, you should contact a specialized company and buy documents.