What Is an Income Certificate?

An income certificate confirms your earnings and includes:

• your full name

• the amount of your salary or income

• the period for which the income was received

• the name of your employer or organization

In essence, it proves you have a stable income and can meet your financial obligations on time.

Where Can You Get an Income Certificate?

• If you're officially employed, contact your company’s accounting or HR department. Just mention the period for which you need the certificate.

• If you're self-employed or an individual entrepreneur, you can obtain one from the Tax Service by submitting your income declaration.

What Does It Look Like?

The income certificate is a formal document that includes:

• your income for recent months

• your length of employment at the organization

• the employer’s signature and stamp

Why Do You Need It?

Income certificates are most commonly required when applying for a loan. For example:

• you're buying a tractor on credit

• you need funds for home renovation

• you're applying for a business loan

Banks use the certificate to confirm your ability to repay.

If you're applying for a consumer loan from Bank Kompanion, providing an income certificate helps you get approved more quickly.

What If You Can’t Get a Certificate?

Don’t worry. If you’re informally employed or can’t provide the certificate, Bank Kompanion offers special loan programs that don’t require income documents or guarantors.

Simply visit the nearest branch — our staff will help you find the right solution.

Why Is This Important?

Your income certificate is your financial reputation. It shows banks or other institutions that you're a stable and reliable client.

And the good news? Getting the certificate is a quick and simple process that can open the door to new financial opportunities.

If you still have questions, the Bank Kompanion team is always ready to help you understand your options and prepare everything for your loan application.

FAQ

How can I get an income certificate in Kyrgyzstan?
From your employer, the tax service, or through electronic services.

Why do I need an income certificate?
To prove your solvency when applying for loans, renting housing, or other financial matters.

Which website can I use to request an income certificate?
Visit the official website of the Tax Service or ask your employer.

How much does it cost?
It's usually free, but check with your organization for specific conditions.