The income certificate to be issued by the house loan generally refers to the salary payable, salary payable-five insurances and one gold-personal income tax = actual salary, so the amount on the salary certificate is the pre-tax amount. Because the loan amount is determined according to the monthly income, the higher the monthly income, the higher the loan amount. Therefore, when issuing the income certificate, you can add five insurances, one gold and year-end bonus to increase your monthly income.

Why do you want to open a housing loan income certificate?

1. In order to ensure the borrower's ability to repay the loan, the bank will evaluate it according to the contents of the income certificate, so the income certificate is one of the important basis for the personal loan credit acceptance investigation and approval decision. But generally only when applying for a commercial loan to buy a house, you need to issue a proof of income. You don't need to provide proof of income to apply for provident fund loans.

2. The personal income certificate provided by the company shall include the monthly average (or annual average) income, the official seal of the company and personal basic information, etc. The annual income should include the sum of basic salary, bonus and welfare within one year, and deduct personal income tax and insurance premium. If the income is pre-tax, it needs to be counted as the average monthly income after deducting personal income tax. If you have additional asset certificates such as bonds and bank deposits, you can provide them to the bank, which will increase your loan qualification and help to approve loans.

3. Personal income certificate includes salary (generally refers to the total annual income), a copy of pension insurance payment, self-owned property certificate, private vehicle certificate, etc. Besides mortgage, visa, bank loan, credit card, etc. Generally, the parties are required to issue a certificate to prove their economic income.

What should I pay attention to when issuing income certificates?

1. What should private owners do?

Some people don't work in the company, but choose to open their own stores, so these private owners can't issue income certificates. Therefore, private owners need to provide: business license, tax registration certificate, tax payment certificate (the time of continuous tax payment varies from place to place) or bank deposit slips for the past six months. However, if the buyer is a freelancer, he can provide proof of deposit if he has a deposit. If not, he should apply for a running list at a bank with income, which can prove that he has sustained income.

2. You can add a credit.

Generally speaking, the bank will judge whether the buyer has the repayment ability according to the income certificate provided by the buyer, so if the personal income certificate is not enough, if everyone is married, then you can choose to borrow money with your spouse. If you are unmarried, you can apply for a relay loan, that is, increase your parents as * * * lenders, and your monthly income will meet the requirements.

3. Pay attention to bank requirements.

When you issue the income certificate, you should also go to the bank to find out whether the bank has requirements for the format of the income certificate, because some banks have requirements for the format of the income certificate now, while others do not. When issuing the income certificate, you still need to ask the loan bank about the specific situation.

4. The content need not be too detailed.

The income certificate will definitely show the relevant contents of many property buyers. For some property buyers with low income, it is generally felt that the more detailed the income certificate is, the more they can hide the fact that their income is not high. In fact, the proof of income is not good enough. Focus on materials that can prove your important personal information and repayment ability.