The loan income certificate is divided into two steps:

1. Unit issues income certificate. This requires the loan customer to find the financial department or human resources department of the unit to issue a bank-approved income certificate. It mainly includes information such as monthly income and working years.

2. Banks issue bank flows. This requires the loan customer to bring his ID card to the bank where the bank card is opened for printing, and the time limit varies from 6 months to 24 months according to the requirements of the loan bank.

Extended data

Various loan certificates

1. A citizen of China who has a permanent residence, permanent residence or valid residence certificate at the place where the loan bank is located, is under 65 years of age (inclusive) and has full capacity for civil conduct;

2. Have a proper occupation and stable income, and have the ability to repay the loan principal and interest on schedule;

3. Have a good credit record and willingness to repay, and have no bad credit record;

4. Being able to provide legal, effective and reliable guarantee recognized by the bank;

5. There is a clear loan purpose, and the loan purpose is in compliance with relevant regulations;

6. Other conditions stipulated by the bank.

Generally speaking, for loan types such as personal comprehensive consumption loans and personal credit loans, the conditions for applying for loans are largely based on personal credit accumulation in banks. At this time, when applying for a loan, try to submit some materials that can increase your credit, such as academic qualifications and income certificates. The higher the credit accumulation, the larger the loan amount.