When applying for a consumer loan, banks in the list of mandatory requirements include the provision of a certain package of documents. The list may vary. What certificates are needed for a loan, each financial institution determines individually.

The list of documents required for a loan is minimal, basic and advanced. It depends on several factors:

• lending program;
• amount of credit;
• whether the applicant is a current client of the bank.

First of all, a financial institution will be interested in documents reflecting personal information, professional activities, sources and amount of income. What documents are needed for a loan at Sberbank or another financial institution can be clarified on our website by going to a specific loan offer, at a branch or by calling the hotline.

During the verification of a potential borrower, the security service has the right to require the provision of additional papers if the standard package of documents is not enough.

The standard package includes documents that in most cases are mandatory for obtaining a loan in all banks.

application form

Application form - a document containing detailed information about the client: personal data, education, marital status, employment and financial status. Some banks have added a section on expenses, including utility bills, food, and monthly payments on existing debt obligations.

Contact information is also provided here. Usually this is the number of the borrower, his employer, and next of kin. The work phone must be fixed - this will increase the chances of obtaining a loan. The more contacts the client provides, the more trustworthy he will look in the eyes of the security service.

An application for a loan is attached to the personal data. It contains information about the loan product, the purpose of the loan, the desired amount and term. The document may contain a clause on consent to participate in the insurance program and on connecting additional paid services. In case of early repayment, a number of banks allow customers to return credit insurance. Before signing the application, these items must be carefully checked.

An application form can be filled out on the bank's website, download a written form there or ask for it at a branch. The document grants the financial institution the right to access the client's personal data. Based on it, a preliminary check is carried out.

Passport

Passport - the main document proving the identity of the applicant. It is mandatory when applying for a loan in all banks. The passport number, as well as information about previously issued documents, is used by security officers to check borrowers against databases. They are also needed when making a request to the Credit Bureau.

Passport data confirms the information specified by the client in the questionnaire: age, marital status, presence of children. Registration is checked separately. As a rule, banks in the list of mandatory requirements for the client include the presence of registration in the region of presence of the branch. This makes it easier for the collection service to work if the borrower stops making monthly payments. The conditions for granting a loan at Sberbank allow for temporary registration. In this case, a certificate from the passport office confirming the presence of a residence permit will be added to the documents for a loan at Sberbank for an individual.

When accepting an application for a loan, the specialist checks the authenticity of the passport. In some cases, credit organizations offer to issue a loan on one document, without providing additional information. Such loans are issued at a higher interest rate, as the risk of default increases.

Additional identification documents

The mandatory package for obtaining a loan may include one or more additional documents proving your identity. They are needed to compile a complete picture of the client. In addition, the bank protects itself from fraudulent activities: it is more difficult to forge two documents. Identity documents include:

1. Certificate of assignment of TIN. With its help, they check whether the applicant has debts to the tax service. TIN is tied to the bank accounts of customers. This is necessary for the formation of reports in the Federal Tax Service.
2. Driver's license. The document contains data that helps to identify the client: photo, full name, date and place of birth, series, number. You need to check the date of issue and expiration date. Only a valid document is suitable for obtaining a loan.
3. Medical policy. The CHI form can be used as proof of identity. A self-registered voluntary medical insurance policy will be an indirect confirmation of high incomes. VHI provided by the employer will testify to the reliability of the company.
4. SNILS. Each citizen has a unique identification number, unlike a driver's license or a foreign passport. Therefore, most often SNILS is added to the package of documents. In addition, it is needed to request a credit history.
5. Sailor's passport. It is an identity card on a par with the passport of a citizen of the Russian Federation. Some banks provide special loan programs for seafarers, for participation in them this document will be mandatory.
6. international passport. The document contains a photo and basic personal data of the applicant. The presence of marks on trips abroad will serve as proof of the financial solvency of the client.
7. Refugee ID. Getting a loan for a person with refugee status is more difficult. In addition to the certificate, additional documents will be required: migration card, temporary residence permit, etc. The bank will carefully check the solvency of such a client. Perhaps they will set limits on the term and amount of the loan.
8. Military ID. The provision of this document is required from men under 27 years of age. In the absence of it, it can be replaced by a written deferment from military service. This will serve as a guarantee that the borrower will not be drafted into the military at any time and will fulfill his debt obligations in full.

For banks, credit products are highly profitable. But at the same time, lending to individuals carries certain risks. To insure themselves against non-returns, financial institutions thoroughly study the financial situation of the client, because profit depends on this. The package may include the following papers:

1. Employment document. Most often, borrowers provide a copy of the work book, certified by the employer. It most fully reflects the labor activity. If the work book is located in another region, you can replace it with a certificate from the place of work indicating the position and length of service. Additionally, a copy of the employment contract can be attached to the loan application.
2. income statement. It is usually provided in the form 2-NDFL and contains data for the last 6 months. If the salary is unofficial, you can use the form of the bank, which is issued at the branch. This information is for internal use. Credit organizations do not transfer data to the tax service.
3. Pension payments. Banks often launch loan programs for pensioners, as pensions are the most stable source of income. You can confirm receipt of it using an extract from a social card or an account to which payments are credited.
4. Information about the scholarship. It is more difficult for students to get a loan, as they usually have a small scholarship as their source of income. You can confirm receipt of it with a certificate from an educational institution or an extract from a bank account. Additionally, parental support may be required.
5. Information about the amount of EDV. Additional income includes a monthly cash payment, which is assigned instead of the required benefits. Issues certificates of the territorial body of the Pension Fund of the Russian Federation. It is desirable to attach an account statement to it.

The more evidence of financial stability the client provides, the lower the interest rate and the larger the loan amount. Banks take into account income from renting a house or a car. For confirmation, you will need registration certificates of ownership and a lease agreement. It is not required to prove financial solvency if the borrower has a deposit in the bank. A passport is all that is needed to get a loan from Sberbank to a salary card holder.

Documents for obtaining a credit card

The package of documents for issuing a credit card depends on the amount of the credit limit. Small loans can only be issued with a passport. If the amount is higher, the bank will accept the following documents as proof of financial solvency:

• certificate of ownership of the vehicle not older than five years;
• air tickets confirming travel abroad within the last six months;
• extract from the Pension Fund of the Russian Federation.

A large credit card limit requires a full package of papers, including a second identity document, income and employment certificates. You can clarify what documents are needed to obtain a loan in a particular organization on the website or when visiting the office.

Documents for a car loan

What documents are needed for a car loan depends on the amount of the down payment. The larger it is, the less paperwork you need for registration. Information about the purchased car is added to the standard package:

• contract of sale;
• a copy of the TCP;
• payment document for making the first installment;
• invoice for payment of the remaining cost;
• OSAGO and CASCO policies or an invoice if they are included in the loan;
• spouse's consent to bail.

A driver's license is not a mandatory document for a car loan. The owner of the vehicle may not have this document, transferring the right to drive to a third party. In this case, it must be included in the insurance policy.

A mortgage loan involves the issuance of a large amount. Therefore, the borrower must prepare the maximum package of standard documents. In addition to them, you will need:

• certificate of ownership of the acquired property;
• independent valuation;
• preliminary contract of sale;
• an extract from the Registration Chamber on the absence of encumbrances;
• cadastral passport;
• insurance policy for the apartment;
• a full package of documents from co-borrowers, if any;
• Marriage certificate;
• birth certificates of children;
• spouse's consent.

When it comes to participating in shared construction, you will need to apply for a mortgage:

• building permit;
• object data;
• information about the builder;
• share agreement.

If the construction company is accredited by the bank, you do not need to provide additional information about it.

When buying a house and a cottage, the documents must be accompanied by a certificate of ownership of the land and a cadastral passport.

Documents for a secured loan

A loan issued on the security of existing property, in addition to the general package for a loan, involves the provision of documents for the property. For real estate it is:

• certificate of ownership;
• documents on the basis of which the right of ownership arose;
• cadastral passport;
• extract from the register;
• certificate of family composition from the passport office.

If the car is the collateral, the credit institution will request:

• vehicle passport;
• vehicle registration certificate.

In both cases, you will need the opinion of appraisers of the value of the property and the consent of the spouse to issue a pledge.

Documents for guarantors and individual entrepreneurs

It is more difficult for individual entrepreneurs to take out a loan, since their own business can go bankrupt, and the client will lose a source of income. If the bank has such programs, it will require:

• 3-NDFL or other reporting submitted to the tax authorities for the last period;
• certificate of tax registration;
• account statements;
• contracts with customers and suppliers.

Documents for a loan for notaries and lawyers include a lawyer's certificate and a license to conduct notary activities.

In some cases, financial institutions want to receive additional guarantees for the repayment of the loan, so they offer to issue a guarantee. The package of documents for the co-borrower in this case will be the same as for the main applicant.

Thus, the package of documents for a loan depends not only on the chosen bank, but also on the type of product, place of work, availability of additional sources of income and other nuances. The more information and evidence of financial solvency the applicant provides, the higher the probability of obtaining a loan.

A complete package of documents for obtaining a loan.

Despite the general principles of obtaining loans, commercial banks and microfinance organizations establish their own rules for lending to customers and present their own, different from others, requirements for the package of documents required for issuing loans. At the same time, the number of required documents directly depends on the chosen lending program.

The most loyal lenders who specialize in quick loans usually require any two documents, usually a passport and a military ID or a passport with a driver's license. Lending based on two documents is especially widespread when buying goods on credit in a retail chain, supermarkets and hypermarkets of household appliances.

The list of documents required for a classic loan on standard terms.

• Written application for obtaining credit funds;
• Client Questionnaires;
• Original and photocopy of the passport;
• Photocopies of the work book or a certified certificate from the personnel department on the length of service at the last workplace;
• Certificates of the amount of official wages for the period required by the creditor;
• Photocopies of a military ID or driver's license upon presentation of the originals of these documents to the bank;
• When participating in lending programs for pensioners - a pension certificate;
• Upon registration and receipt - title documents for this property.

Documents for a mortgage loan.

Bankers require documents from their potential clients to make sure that the borrower is trustworthy and has sufficient solvency.

The package of documents that you need to collect to apply for a mortgage in different banks may differ slightly, in addition, it may vary significantly for employees and for entrepreneurs - business owners. In most cases, the borrower is required to:

• Passport and photocopies of all its pages. The security service of the bank must have reliable data about the borrower and at the same time be able to check all the ins and outs of the client at any time in case of any doubts about his reliability, or find him if he evades paying the resulting debt;
• Certificate from the main place of work of the borrower in the form 2-NDFL;
• Photocopies of the pages of the work book certified by the employer. Usually this is the seal of the personnel department of the enterprise with the signature of the responsible employee on each page;
• Marriage certificate for married couples and divorce certificate for citizens who are divorced;
• Birth certificates of children who are not yet 18 years old at the time of registration of the loan agreement;
• A certificate from a doctor from a psycho-neurological dispensary or a driver's license;
• As additional requirements, certificates of delinquencies and debts from other banks in which the client has already issued loans, receipts for payment of utility bills, education documents, etc. may be required.

The package of necessary documents largely depends on the estimated value and ownership of the mortgage collateral - that is, whether it will be a land plot, a private house, an entire apartment, or just one room. At the same time, the history of the collateral property plays an important role, how it came to the client - by inheritance, transfer agreement, exchange or donation.

Documents for a car loan.

Since car loans are considered the most common form of purchasing vehicles, the question of how to quickly and correctly collect a complete package of documents is the most common among all those related to collecting the necessary documentation for obtaining a loan.

The documents that must be provided to bank managers can practically be divided into the main and additional packages.

Main package of documents:

• A written application for a loan, usually on the letterhead of the lending bank;
• Of course, the passport and copies of all pages;
• Information about the composition of the family;
• Certificates of salary or other income for the period specified in the contract with the bank;
• Documents for the car and the contract-purchase and sale;
• Documents on the estimated value of the vehicle;
• Contract with an insurance company for registration of CASCO and OSAGO.

Most financial institutions, in order to obtain comprehensive information about the client, and sometimes to improve credit conditions, also recommend providing them with an additional package of documents.

Additional documents:

• Certificate of salary, or other types of income of all family members of the borrower;
• Documents of citizens acting as guarantors in car loans;
• Copy and original of the driver's documents of the borrower;
• A photocopy of the work book;
• Documents proving the client's marital status;
• Military ID;
• Diplomas, documents on education.

Additional documents are needed in order to assess and characterize the non-financial side of the borrower's life with the help of a scoring program, and accordingly correctly calculate the risks of non-repayment of loan payments in the future.

Do not forget that banks providing loans mainly work only with specific insurance companies accredited by them, which allows additional verification of the reliability and solvency of the client by the insurance company, which has its own customer due diligence mechanisms.

In addition to obtaining a car loan from a bank, there is another, simpler and much more convenient way - applying for a loan directly at a car dealership or from an authorized dealer.

Documents for obtaining a loan in a car dealership:

• Statement;
• Customer profile;
• Russian passport;
• Driver license.

Even with the naked eye, a significant difference is visible between the package of documents required for submission to a bank or a car dealership. Car dealerships are more loyal to citizens who cannot or do not want to provide unauthorized persons with official data on their income.

Documents for consumer credit in Sberbank.

Many ordinary people prefer to have their financial affairs and especially credit obligations only with Sberbank of the Russian Federation. To obtain a consumer loan at Sberbank, the borrower is required to:

• Application and questionnaire of the established form;
• Passport of a citizen of the Russian Federation;
• TIN of an individual;
• Information about the position held, as well as the length of service at the last workplace;
• Certificate of salary, pension or other types of income;
• Employment record or a certified copy;
• Marriage/divorce certificate describing the current marital status of the client.

Documents for obtaining an express loan.

An express loan implies the shortest terms for issuing a loan, so the lender will simply be unable to verify the authenticity of all the client's documents in such an urgent manner. Therefore, the borrower is checked on only two documents - on a passport with local registration and any second generally accepted document, which may be the original pension certificate, any driver's license or even a military ID.

All other information - about the amount of income, the availability of work, the marital status of the client, the lender will find out on the basis of personal data, which can be verified after the issuance of an express loan.

Documents for obtaining a credit card.

Non-cash methods of payment for goods and the wide financial possibilities of credit cards determine the high degree of demand for credit cards among the population.

To get a credit card, it is enough to be over 21 years old and provide the bank with a minimum package of documents:

• Written application for issuing a credit card and opening a card account;
• Color photo;
• Passport;
• Income statement - salary, pension, social benefits.

The procedure for issuing a credit card for entrepreneurs is somewhat different from issuing credit cards to employees - they also need to provide documents that confirm the legality of their entrepreneurial activities. At the same time, even a relatively small amount of the credit limit is issued only to those who have been successfully working for more than a year and are able to cope with all their financial obligations.

Please note that if a person, even with a high level of income and properly executed documents, has a debt on existing loans or has a corresponding record in the credit history of such cases in the recent past, banks may refuse to issue a credit card or limit the credit limit to a minimum.

Q&A documents

What documents are required for lending? Having decided to apply for a loan at a bank, visit a lending consultant of your chosen bank, get a list of documents required for obtaining a loan and sample applications and questionnaires.

Each commercial bank has its own regulations (instructions) on the procedure for issuing loans to individuals. In these provisions (instructions), banks prescribe all the conditions for obtaining a loan and a list of documents for lending that a potential client must provide in order to consider a loan application. As a rule, each type of loan has its own documents. And, as a rule, each bank has its own requirements for obtaining a loan and a package of documents. The list of documents for a loan provided to different banks can vary significantly.

Here is an approximate list of documents required for obtaining a loan by an individual:

1. Application for a loan (according to the model of the bank).


2. Questionnaire of the borrower (according to the model of the bank).


3. Original and copy of the national passport.


4. Certificate of salary from the place of work (according to the model of the bank). The period for which a salary certificate is required is set independently in each bank and, as a rule, varies from 3 months to 2 years (depending on the type of loan).


5. A copy of the work book, certified at the place of work or a certificate from the last place of work on the length of service at this enterprise.


6. A copy of the military card to determine the possibility of conscription for military service (for young people and as a second document)


7. The original and a copy of the driver's license (as a second identity document) - not all banks require.


8. Pension certificate (for lending to pensioners)


9. Specialist training agreement (for educational loan)


10. Documents confirming the ownership of property, if it acts as collateral for a loan (lists of documents are in separate articles on pledges).

I repeat once again that the above list of documents required for obtaining a loan may decrease or increase depending on the type of loan and the requirements of a particular bank, but the documents on points 1-3 are always drawn up and submitted. A loan without documents is not issued. In a number of banks, such as Rosbank and Russian Standard, there are types of loans with a minimum of documents or loans with the presentation of two documents (passport and military ID, passport and driver's license, passport and pension certificate ...), and the questionnaire and application are filled out when applying for a loan . Loans without additional documents, as a rule, are issued when buying goods and applying for a loan through bank points in stores.
In addition, if a loan requires a guarantee of individuals, then a guarantor questionnaire is filled out for each guarantor, and documents of paragraphs 3-5 are also provided for the loan.

If the bank accepts the total family income for calculating the loan amount, then the list of documents for the loan under paragraphs 2-5 is submitted by all adult (working) family members.

The presence of loans at the present time will not surprise anyone, this banking service has become a part of the daily life of a modern person. The variety of services offered allows you to find funds in any situation, regardless of the purpose of use. However, the requirements are constantly changing, so the question of what documents are needed for a loan does not lose its relevance. It is not possible to give an unambiguous answer to it, because either its refinancing has different requirements for an individual. However, there are a number of general rules that are similar for all banking institutions.

Basic documents required for obtaining a loan

If you are planning to attract financing for a particular banking organization, take into account one of the main rules: the more the lender is confident in the solvency of the applicant, the more favorable terms of cooperation he is ready to offer. In this case, all conclusions are made on the basis of the documents provided. Additionally, credit history is checked.

Therefore, if you refuse to provide, for example, a certificate of income or from the place of work, the bank automatically considers this as insufficient reliability and seeks to reduce its risks in the first place by overestimating the interest rate.

When looking for an answer to the question of what documents are needed for a consumer loan, you are guaranteed to come across offers for express loans. A passport and any second document from the list proposed by the bank are enough here.

Such a simplified registration procedure helps to receive funds as quickly as possible, however, it involves increased costs for servicing a loan.

In this regard, if possible, try to submit the most complete package of documents.

What does the list of documents for applying for a loan include?

Consider the application procedure using the example of the two largest banks - and. As a general rule, what documents are required to obtain a loan depends on two factors:

• the category to which the client belongs;
• lending purposes.

Despite the many nuances, it is possible to single out those materials that will be requested in any case. These include such as:

• application form (filled in on the official form, which can be found on the bank's website or in any of its branches);
• passport of a citizen of the Russian Federation or other identity document (it must contain registration information);
• income statement for the last 3, 6 or 12 months or Form 2-NDFL;
• a certified copy of the work book or employment contract as proof of employment;
• SNILS or TIN;
• for men - a military ID;
• for pensioners - a pension certificate.

It is important to remember that registration (temporary or permanent, in the region of the bank's presence or in the territory of the Russian Federation) is a prerequisite for obtaining a loan. If the passport does not contain a mark on the place of permanent registration, it is necessary to submit a document confirming registration at the place of stay (temporary).

Under certain circumstances, the answer to the question “what documents are needed in order to get a cash loan” is expanded. In particular, if a potential client has not reached the minimum age set by the bank (most often it is 21), he will need to attract a guarantor. Accordingly, a birth certificate (or other document confirming kinship, for example, an adoption certificate) will be added to the package of necessary documents.

You should be prepared for the fact that the bank may ask for additional information. For example, a marriage certificate (in particular, when changing a surname) or the birth of a child.

On the contrary, for some categories of customers, the procedure for obtaining a loan is simplified. In particular, for payroll clients, the documents for are noticeably less numerous. They only need a passport, while credit conditions do not worsen.

In the event that there is a need to attract guarantors or co-borrowers, complete information is also collected about them. In particular, a passport is required, as well as documents confirming employment and financial status.

The requirements for a particular loan product should be clarified directly with the bank itself. Each of them holds their own position. For example, when answering the question what documents are needed for a loan at VTB, a copy of the work book or employment contract will be mentioned only if the requested amount exceeds 500 thousand rubles.

Separately, it is worth noting such a service as. If you have found an option to receive funds on more favorable terms, in order to conclude a new agreement, the following should be added to the standard set of documents:

• a valid loan agreement;
• certificate of the amount of the existing debt.

Consideration of the submitted documents takes a certain period of time. Pay close attention to fulfilling all the requirements of the bank (check for seals, signatures, certification marks, and so on). If there are shortcomings, the bank employee has the right not to accept an application for a loan, which will further lengthen the time for resolving the issue.

To apply for a loan, credit organizations require the provision of certain documents. This list is basically standard, but may differ based on the conditions of the bank. Based on the documents provided, the lender can already fully evaluate the future borrower and calculate the loan amounts for him. Without providing documents, the loan will be denied. The more documents from the proposed list will be provided, the more likely that the loan will be approved, even if the client does not have a very good credit history.

Why does the bank require documents to apply for a loan?

When applying to the bank, the borrower must provide the documents that the bank will require. This is necessary so that the lender can calculate the possible risks and the allocated limit. The list of documents may vary depending on the amount (the larger the amount, the more documents), on the category of the borrower (the bank may not require additional documents from, regular depositors, partners, etc.), on the type of loan (a mortgage will require more documents than for consumer credit). If the borrower cannot provide something of what is required, then the bank has the right to refuse to issue or may offer more stringent conditions (higher rate, lower amount).

Specialists allocate a minimum and a complete list of documents.

The minimum list of documents for applying for a loan.

The minimum list consists of standard documents:

• Passport
• The second document to choose from: SNILS, driver's license, TIN.

According to these documents, customers can apply for a small amount of credit, credit card, microloan.

A complete list of documents for applying for a loan.

The full list includes:

• Passport. This document is needed to identify the client.
• To choose from: SNILS, TIN, driver's license.
• Standard statement of income or in the form of a bank. According to the data specified in the certificates, the bank can assess the level of income of the client and his solvency.
• A copy of the work book, a certificate from the place of service (for the military), a certificate from the place of work, an employment contract. Copies must be properly certified. According to these documents, the bank evaluates whether the client is actually working, how stable his organization is, how often the client changes jobs (frequent job changes and long intervals between employment will be a minus when making a decision)
• PTS. According to standard requests, the car must be no older than 7 years for a foreign car and no older than 3-4 years for a domestic one. A car usually does not go as collateral, but only indicates a stable financial condition of the future borrower.
• Real estate certificate. This document is also requested in order to assess the financial condition of the borrower. At the same time, real estate cannot be acquired by inheritance, privatization - only under a contract of sale. If the borrower has once purchased an apartment, it means that he will be able to pay a new loan. If he cannot pay, then he has property that can be sold to pay off debts. Real estate can be an apartment, house, land, commercial property, retail space, etc.
• Deposit agreement. There are situations when a borrower has a deposit at a favorable percentage, but suddenly money is urgently needed. In order not to terminate the contract ahead of schedule, he can take a loan. For example, the deposit is open at 15%. The client decided to buy a property and takes a mortgage at 12%. However, here the bank can also set requirements for the deposit agreement, for example, that the deposit expiration date should not be less than 6-12 months, the deposit amount is identical to the loan amount, the deposit does not have options for partial early withdrawal, etc.
• International passport. This document also confirms the financial stability of the future borrower. If a person can afford to travel, then he will also be able to pay off the loan without any problems. Of the requirements here may be a requirement for a mark on the exit / entry. It must be dated no later than 6-12 months.
• Certificates of no debt and full repayment of the loan. Sometimes, when submitting an application, a client may get information that he has valid loans, although in fact they have been repaid a long time ago. This may be due to the fact that other credit institutions have not yet updated the data in the BCI or have completely forgotten to do so. With a certificate, the client confirms that he has fully fulfilled his obligations.
• DMS policy. This policy is usually issued by the employer and covers many medical expenses. If the client falls ill, he will be reimbursed under this policy and will not have to spend his own funds for treatment. For the bank, this will be confirmation that in the event of unforeseen situations, the loan will be repaid in the same rhythm.

A complete list of documents is required for applications for large amounts (over 300 tr.), mortgages, car loans. For small loans or microloans, a minimum package of documents is usually enough. Documents may be requested before the application is submitted, as well as during its consideration. For example, the client went through most of the parameters, but the loan officer had doubts. Let's say the client has a positive CI, but the income level is a bit low. When providing a title deed or a real estate certificate, the client will be able to prove that he is a financially stable person and will be able to pay off the loan in any case.

Title of the document	Where to get this document
Passport, SNILS, Driving license, TIN, international passport	These are personal documents that everyone has.
PTS	Issued when buying a car
Real estate certificate	Issued upon registration of real estate in the property
Deposit agreement	Issued at the bank when placing funds on deposit
Help 2NDFL	Issued by the employer
bank statement of income	The form is obtained at a bank branch or it can be said from the official website of the bank, and then filled in by the employer
Copy of shopping mall	A copy of the work book is made in the organization where the client works. The personnel department or accountant must mark all pages that the copy is correct. On the last page, a record is usually made that the client is working at the present time.