Commercial loans require a loan income certificate, which is issued by the lender’s employer. To buy a house, a commercial loan requires an income certificate from the lender.
Proof of personal income
Bank branch:
Mr. (Ms.), the ID number _______ is an employee of my unit (formal/employed). Due to purchase When applying for a commercial loan from your bank, I hereby certify that the employee's salary income is as follows:
The employee's monthly salary income (actual payment) is: Ten Thousand Thousand Hundred Shiyuan (lowercase yuan).
This is to certify
This unit hereby promises that the above salary is true. If the employee does not have the actual ability to repay the loan, resulting in the inability to return the principal and interest of the loan from your bank, this unit will not be jointly and severally liable. Liability.
Contact person of the payroll department:? Payroll department of the unit (signature and seal)
Unit address: Contact number:?
Year, month and day
Or follow the following format:
Personal Income Certificate
To ______________ Bank:
This is to certify that Mr. ____________ is an employee of our company. The position is _____________. The nature of the job is (formal system).
The ID number is: _______________________________________________
Their average monthly income is RMB (in capital letters)_________________________ (￥______________yuan), and the annual income is RMB____________________ (￥_______________yuan).
Signature of the person filling in the form: Certifying unit (with official seal):
Date: Year, month and day
------------ -------------------------------------------------- --------------------
Unit contact number: ____________________________
Unit name: ____________________________
Company office address: ____________________________
This certificate is only used to prove the work and salary income of employees in our company, and does not serve as any form of guarantee document for this employee by our company.
The editor here reminds everyone not to overstate your income. If you open too high, the bank will definitely investigate. By investigating your salary's personal tax, you can know whether your income certificate is true or false. And if the income reported is too high and the loan amount is high, the pressure to repay the loan in the future will be great. ,
In addition to proof of income, the following proofs must be provided before the bank will grant a loan.
1. ID card (minors need birth certificate)
2. Household register (collective household registration requires household registration certificate)
3. Marriage certificate (unmarried Applicants must provide three original copies of the unmarried certificate issued by the Political Bureau)
4. Tax receipt (more than one year)
5. Salary statement (more than one year and showing name, account number and bank stamp) Chapter) or deposit statement
6. Proof of income: 1: Fill in with black pen; 2: Keep a landline number; 3: Keep a contact person; 4: The income amount is higher than the monthly repayment 2 times;
7. Private seal (party seal)
8. Repayment account number
9. Foreigners need to provide residence permit
10. Down payment receipt.
(The above answers were published on 2015-10-09, please refer to the actual current home purchase policies)
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