Self-employed individuals can't issue their own income certificates, but need street, industrial and commercial bureau or tax bureau to issue income certificates. Self-employed individuals who issue income certificates shall provide operating income, tax payment certificates and other materials to prove personal income. For customers with other incomes, relevant certification materials should be submitted according to different income types.

Legal objectivity:

Article 5 of the Measures for the Administration of Individual Housing Loans: 1. Identity documents (referring to valid residence certificates such as resident identity cards and household registration books); 2. Proof of the stable income of the borrower's family; Three, in line with the provisions of the purchase contract letter of intent, agreement or other approval documents; 4. List of collateral or pledge, proof of ownership and proof that the person with the right to dispose of it agrees to mortgage or pledge; Certificate of collateral valuation issued by the competent department; Guarantor agrees to provide written guarantee documents and guarantor's credit certificate; Five, to apply for housing provident fund loans, the need to hold a certificate issued by the housing provident fund management department; 6. Other documents or materials required by the lender.