A wage voucher is a voucher for personal income. Usually, when applying for visas, bank loans, credit cards, etc. , asking one party to provide vouchers related to personal income.
Pay attention to the required format when issuing income certificates. When issuing wage vouchers, the copy of wage vouchers stamped with "fresh stamp" is invalid. The stamped seal consists of the unit financial seal or the unit seal. And has a round badge. The most important thing is to have real income, not false income.
Why should I issue an income certificate for the housing loan? 1. In order to ensure the borrower's repayment ability, the bank will evaluate the borrower's income. Therefore, proof of income is an important reference for reviewing and auditing the amount of personal loans. However, usually you have to provide proof of income only when you buy a house for a commercial loan. You can apply for provident fund loans without providing proof of income.
2. Personal income certificate issued by the unit, including average monthly income, official seal of the unit, personal basic information, etc. And deduct personal income tax and insurance premium. If you have pre-tax income, you should deduct personal income tax and calculate it as the average monthly income. If you have bonds, bank deposits and other assets, you can give them to the bank, which can improve your credit and approve them for you.
3. Personal income certificate: personal income (usually annual income), copy of pension insurance payment, certificate of ownership, certificate of private vehicle, etc. In addition to housing loans, visas, bank loans, credit cards and so on. Generally, both units are required to issue proof of economic income.
The above is the main content of why the income certificate of housing and loans should be issued within the validity period. I believe everyone knows something about these contents, and I hope this article can give you some help.