First, how to open the proof of income from buying a house
1. proof of income from buying a house needs to be issued by the buyer's own unit. The writing method is very simple, as long as the name and income of the buyer are clearly written. The loan bank's ability to repay the buyer's loan is more than 50% of the buyer's net income. Of course, the number of borrowers who repay loans can also be increased. For example, if the buyers' families help to repay the loan together, then 50% of their income will be enough to meet the demand for repayment. Buyers also need to print out payslips for bank review.
If the buyer is self-employed, then the buyer needs to provide his own business license and pay taxes.
3. If the personal income certificate is more than 10,000 yuan, then the buyer also needs to provide some asset certificates, such as bonds, vehicle purchase certificates, personal income tax certificates, bank deposits and so on.
4. Pay attention to the necessary format when issuing the income certificate.
5. The income certificate must be stamped with "fresh seal", so the income certificate cannot be copied, and it must be stamped with the financial seal or official seal of the buyer's unit, and it must be a round seal.
6. The annual income includes the sum of basic salary, bonus and welfare in 1 year, excluding personal income tax and insurance premium. Banks will require buyers to provide monthly income that is more than twice the sum of their monthly repayments and other liabilities.
Second, what problems should be paid attention to when issuing income certificates?
1. Pay attention to social security accumulation fund.
Income proof should not only clearly state income, but also pay attention to social security and provident fund, because the payment time of social security and provident fund is the best proof of the working time of the buyer, so the time to fill in the working time of the buyer can match the time of social security and provident fund.
2, how much income according to the actual fill in.
When issuing the income certificate, the lender shall fill in it according to its actual income. Of course, it is not always "seeking truth from facts". Lenders can also grasp a certain degree and analyze the specific situation. For example, if the lender is engaged in sales and finance in a first-tier city, then the income can be filled higher, as long as the lender can afford the repayment amount in the future.
3. The content is the same as before
Before applying for a loan, the lender should go to the bank to print a personal credit report, and every time the lender provides a proof of income to a financial institution, it will be reflected in the personal credit report. Some property buyers are not issuing income certificates for the first time when applying for loans to buy a house. If the information provided is inconsistent with the previous information, the bank will focus on checking the reasons for the difference. If the bank finds that the lender provides false information, then the bank will refuse the loan. If the situation is serious, the lender should also bear legal responsibility.
The above is an introduction about how to open the income certificate of house purchase and what problems should be paid attention to when opening the income certificate. When issuing income certificates, buyers must be realistic and don't exaggerate their income too much. Reasonable planning and handling of loans will not affect his later life.