What should I pay attention to when issuing income certificates?
1. Make sure the information is true and valid.
Whether the income certificate issued by the buyer is true is definitely the focus of the bank's attention. Therefore, when issuing the income certificate, the buyer must ensure that his identity information is completely consistent with the information on the income certificate. These details are best implemented in the small details such as personal name, ID card, position, age, mobile phone number and address, because the bank will definitely focus on auditing.
Don't exaggerate your income.
In order to meet the loan requirements of banks, many property buyers will write a little higher on their income certificates. If you have this idea when applying for a mortgage, it will definitely not work. Generally speaking, proof of income cannot be too high or too low. The general requirement is to meet the income level of the city, the income level of the industry, and the income level and work level of the company. And it is a little more than twice the monthly repayment of the bank, so that the loan will basically not be refused. It is also easy to ignore that high income proves that banks can easily find and refuse loans.
3. Highlight key points and avoid triviality.
The content of the income certificate issued by everyone is definitely very important to themselves, and the content of the income certificate is definitely no problem, so everyone should try to highlight the key points when writing the income certificate. For example, in addition to basic information such as name, age and position, information with high gold content such as stock dividends can be highlighted and stamped with the official seal of the company. Note that it must be a "fresh seal" and the copy is invalid.
What procedures and relevant documents are needed to buy a house?
1, check the house information. The first step in buying a house is to understand the property right and land nature of the house, whether there is a dispute over the house, whether it is a commercial house or an affordable house, and whether the five certificates are complete.
2. Pay down payment or deposit. You can sign a house purchase contract without any problems, and then pay the corresponding deposit or down payment, and keep the payment receipt.
3. Go through the relevant formalities. If you need a loan when you go through the transfer formalities, you should also apply for a loan from the bank, and you need to repay it on time after passing.
4. hand over the house. Both parties accept the house, sign for it after it is qualified, and pay the final payment to the seller, and then repay it normally.
Relevant documents: to buy a house in full, you need to prepare an ID card account book, a marriage certificate for married people, and enough copies and proof of income.