The official seal of income certificate is to prove whether you have a job or not, and to prove that the monthly income of this job is true and effective; The financial chapter is generally used for financial entry and exit, such as checks and bank drafts.
At present, the bank requires that the income certificate must be stamped with the original official seal of the company (it must be stamped), and the copy is invalid. Any alteration is deemed invalid, and you need to bear the legal responsibility of issuing false income certificates.
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Conditions for buying a house with a loan
1. Have a stable economic income and the ability to repay the principal and interest of the loan. There are legal and effective contracts and agreements for the purchase, construction and overhaul of houses and other supporting documents required by the loan bank.
Two, the purchase of housing more than 30% of the total price of self-raised funds, and to ensure the purchase of housing for the first payment.
Three, there are assets recognized by the loan bank as collateral or pledge, or (and) legal persons, other economic organizations or natural persons with sufficient compensation capacity as guarantors. Other conditions stipulated by the lending bank.
Procedures for buying a house with a loan
1, property buyers need to go to the bank to understand the relevant situation and apply for personal housing loans with relevant information. Then the bank will review the buyers and then determine the loan amount.
2. Next, the bank will handle the loan contract, and then handle the property mortgage registration and notarization. The rest is the cancellation of registration after the bank issues the loan and the borrower repays the loan every month and pays off the principal and interest.
3. The materials and procedures required to handle the house purchase loan are as follows: household registration book, marriage certificate, ID card, income certificate, bank account and house purchase contract (provided that both husband and wife are married). Conditions: As long as there is a stable income and bank account, there is a bank account every month, and the monthly income on the income certificate needs to be twice as much as the monthly payment. Generally speaking, it is impossible for a bank to be overdue for three times in a row and six times in two years, and this is based on the family.
Baidu encyclopedia-proof of income