At present, most property buyers will apply for loans when buying a house, but in the process of handling the loan procedures, the lender needs to submit various materials to the bank, such as my ID card, down payment certificate, income certificate and so on. Does the loan have to prove income? What if the income is not enough when applying for a loan? Let's take a look with Bian Xiao!

First, does the loan have to prove income?

To apply for a mortgage, you need to provide your own income proof, because the amount involved in the mortgage is very large. In order to ensure that the lender has the ability to repay the loan on time, the bank will require the lender to hand in his valid income certificate, which is usually issued by the human resources department of the lender's unit, and the official seal of the unit is required on the income certificate. However, different banks have different requirements for the format of income certificates. I suggest you consult relevant personnel in advance.

2. What should I do if my income is not enough when I apply for a loan?

1. If the lender applies for a mortgage in his own name and is worried that his income will not meet the standards set by the bank, he can consider applying for a mortgage in the name of husband and wife, and both husband and wife will issue income certificates. In the case of insufficient income of the lender, the bank will also consider the lender's real estate, creditor's rights, deposits and other assets.

2. The level of income directly affects the loan amount. Therefore, when property buyers encounter insufficient income and sufficient funds on hand, they can appropriately increase the down payment ratio, thereby reducing the loan amount and appropriately extending the loan term, and try to control the monthly payment within half of the monthly income.

At present, most banks accept loan guarantees, so if the lender's income is not enough, he can find his spouse or immediate family members as guarantors. When the lender fails to repay the debt on time, the guarantor shall bear corresponding responsibilities within the scope of guarantee.

Summary: These are all for you. When the income can't meet the bank standard, you can try the above methods to solve it. Don't cheat, so as not to refuse the loan directly after being investigated by the bank. If you want to know more about decoration, you can pay attention to Qijia. com。

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