The income certificate to be issued by the loan generally refers to your salary payable, that is,-five insurances and one gold-personal income tax = actual salary, so the amount on the salary certificate is the pre-tax amount.

Because the loan amount is determined according to the monthly income, the higher the monthly income, the higher the loan amount. Therefore, when issuing the income certificate, you can add five insurances, one gold and year-end bonus to increase your monthly income.

Frequently asked questions about proof of housing loan income;

Mortgage to buy a house's income certificate requires your monthly income to be more than twice your monthly repayment.

If the income is too high, but the running water does not match, you need to provide some additional proof of assets, including bonds, banks, vehicle purchase certificates, personal income tax certificates and so on.

If the applicant is married and one person's income certificate is lower than the monthly payment, both husband and wife can issue the income certificate together to obtain a loan, and the bank can also approve it after meeting the conditions.

If the house is bought with parents, the contract is the names of two people. Then the parties can be the main lenders, and the parents, as sub-lenders, make some loans.

Note: 1. Pay attention to the format required by the bank when issuing the income certificate.

2. The income certificate must be stamped with a "fresh stamp", that is, the copy of the income certificate is invalid. (Fresh seal refers to the seal stamped on behalf of the company, school, hospital and other units or individuals when signing documents, rather than the duplicate seal. )

3. Some banks don't recognize the financial seal, so it's better to affix the official seal or personnel seal. And it must be a round stamp.

4. The proof of income can be pre-tax income.

5. The annual income is the sum of basic salary, bonus and welfare within one year.

Private enterprise owners also need to find the company's financial or personnel income certificate, business license can not replace the income certificate, the contact person can not write himself, must be financial or personnel.

If you are a freelancer, you also need to prove your income, and you can't use a running deposit instead. Because almost all income certificates are provided to banks, liquidity and deposits are only used to prove the authenticity of income certificates and cannot be replaced.

A false income certificate is an income certificate that does not conform to the actual situation of the employer or the actual situation of the employees of this unit, including three situations:

1. The employer issues a certificate for its employees that the income is higher than the actual income;

2. The employer shall issue a certificate for the employee that the income is lower than the actual income;

3. Issue false income certificates for non-employees.

False "proof of income" is not only an immoral behavior, but also brings great risks to property buyers. Personally, if the bank fails to pass the audit, the buyer will fail the audit. On the other hand, the repayment pressure is greater, and it is impossible to pay the monthly payment in the end, which has nothing to do with developers and banks. The risk of fraud is borne by the buyer himself. The false income of buying a house with a house loan proves to be contract fraud, and the legal risk is that the bank can request to cancel the loan contract on the grounds of fraud.

Extended data:

Issuance process of income certificate:

Give a certificate to the human resources department of the unit first.

Go to the financial department of the unit to issue a certificate.

Seal the office of the unit.

Reference: proof of income-Baidu Encyclopedia