TIN of founders and employers: verification methods. What documents are needed for a loan at Post Bank

At the beginning of 2000, bankers actively expanded their loan portfolios, offering increasingly loyal loans. Additionally, they required financial guarantees from relatives or third parties. Over time, this norm began to gradually become a thing of the past, as competition in the financial market required changes.

In all cases, the potential borrower was required to prepare a certain package of documents: driver’s license, international passport, civil passport, etc. Since the beginning of this year, institutions have begun to require insurance and taxpayer identification codes.

Why does the bank need such data?

A passport contains information about people as citizens. But only an identification number (TIN) can give facts about Russians as taxpayers. Today, the tax service does not have the right to provide data on the size of a specific individual or enterprise.

But such information is publicly available on service.nalog.ru, if the code is known. It will show how much the person owes to pay. Additionally, within the framework of Law No. 115-FZ “On combating the laundering of proceeds from crime...” a person’s tax data is linked to current, current, and deposit accounts. If an employee of an institution notices a “suspicious” transaction, he will report it to Rosfinmonitoring.

Identification of citizens for banks is not an empty phrase. Since the beginning of 2017, the state has obligated BKI financiers to take from clients not only a passport, but also a SNILS. Additionally, institutions began to request digital data from the Federal Tax Service.

Forge several documents issued at once government organizations, difficult. Therefore, a civil passport, INN, SNILS and, say, 2 documents in the form of a driver’s license become the key to correct identification of the client. As for banks, they are ready to make a deal for a full package of securities.

Bankers ask for employer number

Enterprise identification code is the tax number of the company where the person works. If it is known, then you can easily get an extract from the organization, find out who its founder is, the size of the authorized capital, the name of the director, and the type of activity. In some banks, you must know the company’s TIN when you take out a loan.

If you indicate the company Liberty LLC, then there may be several such companies, but the TIN in the system will indicate a single enterprise. Employees are asked to record such data for the sole purpose of clarifying whether the company is operating or not.

It is impossible to find out the amount of income, salary and other accruals using the tax code, unless the manager requests additional information from work. The payer will only have to decide whether to provide a certificate or turn to other organizations.

Loans with SNILS

From January 1, 2017, all banks have the right to request business with BKI only if they have information about the SNILS number on hand. Such norms were prescribed in the Federal Law “On Credit Histories”. Additionally, the client is carefully identified using two important documents, which is prescribed in the lender’s internal rules.

In fact, this means that without an insurance number (and now many microfinance organizations and bankers require a taxpayer code when considering a loan application), it will be almost impossible to receive money. And the approval procedure itself has become somewhat longer in time.

True, such innovations cannot be touched existing and bona fide borrowers who have been working with banks for several years. Then all the difficulties fall on the shoulders of the institution, which decides for itself whether to take risks or wait for an insurance document.

Without SNILS, you can only work with clients whose pension provision is formed from the funds of ministries and departments. For example, among military pensioners.

An individual tax number, the so-called TIN, is assigned to each taxpayer, as to an individual, as well as enterprises of any form of ownership. This identifier is needed in many cases, sometimes even when enrolling a child in kindergarten. Each person, by contacting the tax authorities, can receive their own TIN in the form of government paper, on a special sheet of GoZnak, with a holographic sign. But how can you find out the TIN of an employer’s organization, for example?

TIN of the employer's organization - documents

The TIN of the employer's organization can be found by contacting the head of the enterprise or the accounting department. In addition, this identifier must be present on any official documents of the organization. An employee can receive a certificate of income, and the individual tax number of the employing enterprise will also be indicated there.

TIN of the employer's organization - Internet

There are times when you need to find out the TIN of an enterprise without being able to obtain an official document directly from the organization itself. Then you can resort to the possibilities of the Internet.

Many sites have information about the official information of most organizations of any form of ownership. This data can be either official or purchased or hacked. It is clear that information obtained from unofficial sources is not always truthful. Therefore, it is best to obtain currently reliable information about the employer company, including an individual tax number, on sites that have permission to provide official data. So, for example, you can find out the TIN of the organization providing work by resorting to the capabilities of the official website of the tax authority https://egrul.nalog.ru/

By going to the website of the Federal Tax Service, you immediately get to the search page for Information on state registration of legal entities, individual entrepreneurs, and peasant (farm) farms. Here, by selecting the “Search Criteria” function, you must enter the name of the organization and select the region of the organization’s location from the drop-down list. Then enter the code from the provided picture in the form of numbers in a special window and click the “Find” button. In a short time, information about the organization will appear indicating the full name, address of location legal entity, OGRN, INN, KPP, date of assignment of OGRN, date of termination of activity and date of invalidation of registration.

As you can see, finding out the TIN of the employing organization is not at all difficult.