When you go to the bank to apply for a loan, the other party will definitely ask you to provide proof of income or proof of running water as a basis for judging your repayment ability. So how did these proofs come about? Today, I would like to share the template of bank loan income certificate collected, hoping to help everyone.
I. Summary of Bank Loan Income Proof Template
1, proof of salary
This is to certify that _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ is a special kind of equipment.
Hereby certify that
Stamps:
Date: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
2. Proof of salary
This is to certify that _ _ _ _ _ _ _ _ _ _ is an employee of our company, and his monthly fixed income is _ _ _ _ _ _ _ _ _ _.
Stamps:
Date: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
3. Proof of salary
I have a name of _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
Hereby certify!
Stamps:
Date: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
Second, what if the income is not enough?
Generally speaking, banks require customers' income to cover their liabilities, which is about twice as much as their expenses. If the customer's own qualifications are not enough, you can consider lending with your spouse, because with the borrower, the bank will reassess your repayment ability.
Furthermore, if you are unmarried or have no borrower, you can try to find someone to guarantee, which will help you pass the audit. If it is not enough, use your other income to supplement it. Now most of them are Alipay or WeChat transfers, and many banks still recognize them.
The above is the relevant information about the loan income certificate. The template is similar, mainly including the basic work and income of the customer, while the company information covers the name, landline number and official seal.
Personal loan income certificate
In daily study, work or life, everyone will inevitably come into contact with proof, which is a document to prove a certain fact. Presumably many people are worried about how to write a good certificate. The following is the personal loan income certificate I compiled for you. You are welcome to study for reference. I hope it helps you.
Personal loan income certificate 1
This is to certify that _ _ _ _ _ _ (Mr./Ms.) is _ _ _ _ _ _ (1. Regular employees of this unit; 2. Contract workers; 3. Temporary worker), who has been working in this unit for _ _ _ years continuously, and currently works in this unit with the post of _ _ _ _ _ _ _ _. At present, the highest education of employees is _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _. The employee's average monthly income (after tax) in the past year was RMB _ _ _ _ _ _ _ _. We promise that the above information is correct and true. If the above certificate is inconsistent with the facts and causes economic losses to your bank, we are willing to bear all responsibilities. This is to certify that.
Official seal of the unit or seal of the personnel department:
Signature of person in charge of personnel department:
Date, year and month
Proof of income (company-specific)
This is to certify that the employee of our company: _ _ _ _ _ _, ID number (passport number): _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
Hereby certify!
Our unit guarantees that the information provided is true and reliable. This income certificate is only used for employees to apply for loans from your bank.
Personnel contact:
Contact telephone number:
Unit address:
Seal of unit:
Date: Year Month Day
Personal loan income certificate II
Tongcheng Branch of China xx Bank Co., Ltd.:
_ _ _ _ _ _ _ _ _ is my company _ _ _ _ _ _ _ (work), and the average income in the last three months is RMB (in words) _ _ _ _ _ _ _ _ _ _ _ _. (including all kinds of fixed bonuses and subsidies), our unit guarantees that the above-mentioned income certificates provided are clear and true, otherwise we are willing to bear all legal responsibilities arising therefrom.
Hereby declare.
Unit seal
Date, year and month
Personal loan income certificate 3
This is to certify that he is an employee of our company. He:
1, the current position is;
2. Our company signed an annual labor contract with our company, with the term from xx to xx;
3. The average monthly income is RMB, including salary and allowance income of RMB, bonus income of RMB, and personal income tax has been withheld and remitted;
4. Income certificate issued for the first time due to bank loan or guarantee (in words).
Our company guarantees that the above information is true.
Tel of Human Resources Department or Finance Department: Contact person of Human Resources Department or Finance Department:
The official seal of the unit, the seal of the personnel and labor department or the seal of the financial department;
Xxxx，xxxx，xx，xx
Personal loan income certificate 4
This is to certify that _ _ _ _ _ _ _ _ is an employee of our company, graduated from _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ Now he works in _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _. In the past year, the average annual/monthly income of this employee in our company was (after tax) _ _ _ _ _ _ _.
Hereby certify that
Company name: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
Connotation of personal income certificate: including salary (generally referring to the total income of the whole year), copy of pension insurance payment, certificate of own property, certificate of private vehicle, copy of large passbook, foreign exchange, bonds, gold securities account, large life pension dividend policy, etc.
Personal loan income certificate 5
To the bank:
This is to certify that Mr./Ms. (married, unmarried, divorced) is an on-the-job employee (formal and temporary) of our company, and now holds the position and title of our company; I have worked in the company for many years. The nature of the company is.
Its total monthly income is RMB ten thousand one hundred Yuan only (in figures ￥).
The ID number is:
My unit is legally responsible for the authenticity of the above information.
Hereby.
Unit address:
Contact person of personnel and labor department:
Contact telephone number:
Seal of unit:
Date, year and month
Personal loan income certificate 6
To China Bank and XXXX Bank:
This is to certify that Mr./Ms. xx (married, unmarried, divorced) is an on-the-job employee of our company (officially attached), and now works in our company with the post of XX; I have worked in my company for X years, and the nature of the company is xx.
Its total monthly income is RMB ten thousand one hundred Yuan only (in figures ￥xx).
The ID number is:
My unit is legally responsible for the authenticity of the above information.
This is to certify that.
Unit address:
Contact person of personnel and labor department:
Contact telephone number:
Seal of unit:
X year x month x day
Personal loan income certificate 7
XX bank XXX branch:
This is to certify that _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _. The employee's physical condition is _ _ _ _ _ _ _ (good/poor).
We hereby guarantee that the above certificate is correct and true. If the above certificate is inconsistent with the facts and causes economic losses to your bank, our bank promises to bear all legal responsibilities such as compensation.
Official seal of certifying unit
Unit detailed address:
Unit contact telephone number:
Personal loan income certificate 8
Bank of Jiangsu Xuzhou branch
This is to certify that (Mr) is a regular employee of this unit (1. 2. Contract workers; 3. Temporary workers), who have worked continuously in this unit for many years, are currently working in this unit. At present, the highest education of employees is physical condition. Average monthly income of employees in the past year (after tax)
It's RMB. Our company promises that the above information is correct and true. If the income of the above-mentioned witnesses in our company changes, our company will inform your bank in time.
Hereby certify that
The official seal of the unit or the seal of the personnel department
Signature of person in charge:
Date, year and month
Note: If the borrower is a self-employed, employee of distribution department, supply department or bank, he/she should provide proof of income for 3 months to 6 months or even longer as required (mainly including but not limited to the most commonly used passbook details, bank card details, personal tax payment certificate and other materials).
Personal loan income certificate 9 sample of salary income certificate
This is to certify that the employees of our company (_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _) have worked in our company for _ _ _ _ _ _ _ _ _ _.
_ _ _ _ _ _ _ _ _ _ Company
20__ _ _ _ _ _ _ _ _ _ _ _
Remember to stamp the official seal.
Sample of proof of wage income
This certificate is limited to employees using _ _ _ _ credit cards, and our company will not bear any responsibility for all possible consequences caused by employees using credit cards.
Hereby certify that
Name of unit (seal): _ _ _ _ _ _
Date _ _ _ _ _ _ _: _ _ _ _ _ _ _ _ _
Sample of proof of wage income
This certificate is limited to employees using _ _ _ _ credit cards, and our company will not bear any responsibility for all possible consequences caused by employees using credit cards.
Hereby certify that
Name of unit (seal): _ _ _ _ _ _
Date: _ _ _ _ _ _
Sample of proof of wage income
Yuxi Housing Provident Fund Management Center:
My unit belongs to _ _ _ _ _ _ (all the administrative undertakings are provided, part of the undertakings are provided, and the undertakings are self-supporting, and enterprises). _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ If the employee fails to repay the principal and interest of the loan within the time limit, our unit will assist in recovering the loan. The above information is true and valid.
Hereby certify that
Unit address:
Unit phone number:
Signature of person in charge:
Seal of unit:
_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
Note: This certificate is carefully filled in by the issuing unit, and the loan will not be issued if the information is incomplete. Attention should be paid to the following items when filling in:
1. The "monthly salary income" of all supply units of administrative and public institutions shall be based on the actual salary of the current month, and the "monthly salary income" of self-supporting units of enterprises and public institutions shall be based on the average actual salary of one month before issuing certificates;
2. Please fill in "Company Nature", "Employment Mode" and "Reasons for Applying for Loan" above the "_ _" line according to the options listed in brackets.
Personal loan income certificate 10
This is to certify that _ _ _ _ _ _ _ _ _ _ (ID number: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
This is to certify that.
This certificate is only used to prove the work and' salary income' of our employees, and is not used as any form of guarantee document for employees.
Name of unit (seal)
_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
Connotation of personal income certificate: including salary (generally referring to the total income of the whole year), copy of pension insurance payment, certificate of own property, certificate of private vehicle, copy of large passbook, foreign exchange, bonds, gold securities account, large life pension dividend policy, etc.
Matters needing attention in the model certificate of mortgage income
First: Pay attention to the necessary format when issuing the income certificate.
Second: the income certificate must be stamped with a "fresh stamp", that is, the copy of the income certificate is invalid.
Third: the seal must be the financial seal or the official seal of the unit. And it must be a round stamp.
Personal loan income certificate 1 1
Xxxx Branch of China Industrial and Commercial Bank Co., Ltd.:
This is to certify that the ID number of _ _ _ _ _ _ _ _ (Mr./Ms.) is _ _ _ _ _ _ _ _ _.
He is a _ _ _ _ _ _ (1. Regular workers, 2. Contract workers, 3. Temporary workers), who have already worked in this unit for _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
The above information promised by our unit is true. If the above information is inconsistent with the facts, resulting in your bank's economic losses, we are willing to bear the corresponding responsibilities.
Unit address:
Contact person:
Contact telephone number:
Official seal of unit or seal of authorized department:
Signature of the person in charge of the unit or department:
date month year
Personal loan income certificate 12
_ _ _ _ _ _ _ _ _ Bank _ _ _ _ _ _ _ Branch:
This is to certify that _ _ _ _ _ _ _ _ (Mr./Ms.) is:
1. Our company _ _ _ _ _ _ _ _ (full-time, contract and temporary workers) has worked in our company for (in words) years.
2. His post (type of work) is _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
3. His position is _ _ _ _ _ _ _ _ _ _ (ordinary employee, department head, unit head, unit investor), and he has held this position for (in words) _ _ _ _ _ _ _.
4. His monthly income after paying provident fund, supplementary provident fund, pension, medical insurance, unemployment insurance and individual tax adjustment: RMB (in words). _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
In addition, the basic provident fund shall be paid monthly: RMB (in words) _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _.
This is to certify that the above situation is true!
Company contact address: xxx
Contact number of personnel department: xxx
Tel: xxx
Seal of unit: xxx
Signature of person in charge of personnel department: xxx
Xx year x month x day
Bank loan income certificate
In our daily study, work and life, we are familiar with certificates, which are divided into organizational certificates and personal certificates. So, have you mastered the format of the certificate? The following is my bank loan income certificate for your reference, hoping to help friends in need.
Bank loan income certificate 1
Xx bank:
This is to certify that xxxx ID number xx is an employee of our company, who has worked in our company for xxxx years and months, with an annual income of xxxxxx yuan. This card is only used for employees to apply for car loans, not for other purposes.
This is to certify that. Note: full name of xxxxxx company: xxxxxx company switchboard: xxxxxx address: xxxxxx
Company seal:
Xxxx，xxxx，xx，xx
Bank loan income certificate II
_ Bank _ Branch:
This is to certify that _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _.
_ _ _ _ _ _ _ location. The average monthly income (after tax) of this employee in our company in the past year is _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
We hereby guarantee that the above certificate is correct and true. If the above certificate is inconsistent with the facts and causes economic losses to your bank, our bank promises to bear all legal responsibilities such as compensation.
Official seal of certifying unit
Unit detailed address:
Unit contact telephone number:
Bank loan income certificate 3
Xxxx bank xxx branch xxxx branch:
This is to certify that Mr. (Ms.) xxxxx is an employee of our company, with working experience of xxx years and working experience of xxx years in our company. His position is xxx, xx and xxxx.
Id number: xxxx.
The average monthly income is RMB (in words) xxxx.
This certificate is only used when employees apply for xxx loans or employees apply for xxxx loans for other individuals as a third-party guarantee.
Unit (seal):
Xxx year, xx month, xx day
Bank loan income certificate 4
Agricultural Bank of China Branch:
(name and ID number) is an employee of our company. He has been working in our company since 2000 and now works in the department. The employee's monthly average after-tax income in the previous year was RMB yuan (including salary, bonus, allowance, housing accumulation fund, stock dividend and other after-tax income).
We guarantee that the above certificate is true and effective.
(official seal of the company) year, month and day
Unit address
Contact person of personnel department of the unit (signature)
Unit personnel department fixed telephone
Bank loan income certificate 5
To Bank of China:
This is to certify that Mr./Ms. (married, unmarried, divorced) is an on-the-job employee (formal and temporary) of our company, and now our company holds the post and title; I have worked in the company for many years. The nature of the company is. Its total monthly income is RMB ten thousand one hundred Yuan only (in figures ￥). Id number:. My unit is legally responsible for the authenticity of the above information. This is to certify that.
Unit address:
Contact person of personnel and labor department:
Contact telephone number:
Seal of unit:
Date, year and month
Bank loan income certificate 6
Bank of Communications Jiang 'an Sub-branch:
This is to certify that _ _ _ _ _ _ (Mr./Ms.) is _ _ _ _ _ _ (1. Regular workers, 2. Contract workers, 3. Temporary worker), has been working in our company for _ _ _ _ _ _ _ _ years continuously, and currently works in our company with the post of _ _ _ _.
Our company promises that the above information is correct and true. If the above evidence is inconsistent with the facts, resulting in economic losses of your bank, our company is willing to bear all responsibilities.
Hereby certify that
Official seal of the unit or seal of the personnel department:
Signature of person in charge of personnel department:
Date, year and month
Bank loan income certificate 7
Zhangzhou Branch of Industrial and Commercial Bank of China Limited:
This is to certify that _ _ _ _ _ _ _ _ _ (Mr./Ms.), certificate name and number: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ In capital) _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ The above information promised by our unit is true. If the above information is inconsistent with the facts, resulting in your bank's economic losses, we are willing to bear the corresponding responsibilities. Address of the company: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
Signature of the person in charge of the unit or department:
Date, year and month
Bank loan income certificate 8
Xxxxx bank:
Xxxxxx is a formal employee of our company, with age xxx, marital status xxx, administrative position xxxxxx, education xxx, professional title xxx, and monthly income as follows:
1, with a basic salary of RMB xxxxx;
2, bonuses and benefits (subsidies) xxxx yuan;
3. Other income xxxxx yuan;
Total: xxxx Yuan, in words: xxxx Yuan.
Hereby certify!
Issuer's signature:
Release by phone:
Name of unit (seal)
Xxxx，xxxx，xx，xx
Bank loan income certificate 9
_ _ _ Bank of China:
This is to certify that Mr. (Ms.) is an employee of our company with years of working experience and years of working in our company. His position is, position is, title is.
Its ID number is:
Its average monthly income is RMB (in words).
This certificate is only used when employees apply for loans or employees apply for loans for other individuals as a third-party guarantee.
Unit (seal):
date month year
How to issue proof of income when buying a house with a loan?
The proof of income needs to include the following points:
1. Write the name of the reference clearly in the title.
2. The information of the attested person, ID number and the time when he became an employee of the company.
3. Write clearly the position and income of the reference.
4. Write clearly in what form the income will be distributed.
5, write clearly the name of the unit.
6. Write down the agent clearly, mainly for the convenience of the other party to verify.
7. Write down the year, month and day, the name of the unit and department, and affix the special seal.
It should be noted that the income proof mode generally refers to monthly income, all of which refers to after-tax income, including wages, bonuses, allowances, housing provident fund and other after-tax income.
You can't issue more proof of income. Some people's income does not meet the requirements, so they want to get away with it by making false income certificates.
The consequences of handling false income certificates are very serious.
First of all, for the borrower, if he is caught by the bank for issuing false income certificates, he will not pass the loan review, and in serious cases, he will bear legal risks. Even if approved, in the face of late repayment pressure, the house will also face the possibility of being taken back by the bank.
The more serious consequence is that borrowers defraud bank loans with false income certificates and are also suspected of defrauding loans.
The provisions in the criminal law are: fixed-term imprisonment of not more than three years or criminal detention, with or without a fine; Whoever causes particularly heavy losses to banks or other financial institutions or has other particularly serious circumstances shall be sentenced to fixed-term imprisonment of not less than three years but not more than seven years and shall also be fined.
Extended data
Income proof is a kind of economic income proof that China citizens need in their daily production, life and business activities. Generally, when handling visas, bank loans, credit cards, etc. You will be asked to issue a proof of the economic income of the party concerned.
Matters needing attention
First: Pay attention to the necessary format when issuing the income certificate.
Second: the income certificate must be stamped with a "fresh stamp", that is, the copy of the income certificate is invalid.
Third: the seal must be the financial seal or the official seal of the unit. And it must be a round stamp.