The income certificate can be stamped with the official seal or financial seal.
First, the purpose of proof of income
When applying for a credit card or handling other banking business, proof of income is an indispensable proof material. It is one of the main reference contents of the initial credit limit in credit card audit, which directly reflects the repayment ability of the handling personnel.
Second, matters needing attention
1, pay attention to the necessary format of income proof.
2. The income certificate must be stamped with a "fresh stamp", that is, the copy of the income certificate is invalid.
3. The seal must be the financial seal or the official seal of the company. And it must be a round stamp.
Extended data:
1, the amount of proof of income is not as much as possible.
The principle of seeking truth from facts should be followed when issuing income certificates. That is, the income amount should not be written too high or too low, but should be combined with the economic situation of the city and the performance of the company.
2. The income certification information highlights the key points.
The content of the income certificate is important, and try to highlight the key points. For example, in addition to basic information such as name, age and position. , reflecting the stock dividend and other information, and stamped with the official seal of the unit.
3. Add social security and provident fund to improve the persuasiveness of income proof.
In addition to proof of income, some banks also require borrowers to provide information on social security and provident fund payment, so as to calculate their working hours, monthly income and other information, which is the embodiment of the lender's repayment ability.
4. Consequences of leave certificate
If you buy a house with a fake income certificate loan, if you are caught by the bank, even if you have already borrowed money, you may be required to repay the loan in advance and cancel the loan contract. Seriously, you have to bear legal responsibility.
What stamp does the income certificate need to be stamped?
Both the financial seal and the official seal can be smart. The seal of the income certificate must be the financial seal or the official seal of the unit. And it must be a round stamp.
Matters needing attention
First: Pay attention to the necessary format when issuing the income certificate.
Second: the income certificate must be stamped with a "fresh stamp", that is, the copy of the income certificate is invalid.
Third: the seal must be the financial seal or the official seal of the unit. And it must be a round stamp.
Extended data
Sample of borrower's income certificate:
This is to certify that the ID card/military officer's card/passport number has been working in our company from (month) to (month), and my monthly income after tax is RMB (in words).
Our unit shall bear legal responsibility for the authenticity of the income certificate.
The official seal of the unit or the seal of the personnel (labor) department. . . . . . . .
date month year
1, full name of the company
2, the unit address
3, contact telephone postal code
4. Name of the person in charge of the personnel (labor) department
What stamp should be stamped on the opening income certificate of mortgage?
The income certificate needs to be stamped with the financial seal or the official seal of the unit, and it must be a circular seal.
Matters needing attention in issuing income certificates are as follows:
1, pay attention to the necessary format of income proof.
2. The income certificate must be stamped with a "fresh stamp", that is, the copy of the income certificate is invalid.
3. The seal must be the financial seal or the official seal of the company. And it must be a round stamp.
Extended data:
To apply for a housing mortgage loan, you need to prepare materials:
I. Information to be provided by the Borrower
1, ID cards of both husband and wife, household registration book/temporary residence permit, and household registration book for foreigners.
2. Two copies of marriage certificate/divorce certificate or court judgment/single certificate.
3. Proof of income (format stipulated by the bank)
4. Copy of the business license of the unit (with official seal)
5. Credit certificate: including education certificate, other real estate, bank running water, large deposit certificate, etc.
6. If the borrower is an enterprise legal person, it must also provide the annual business license, tax registration certificate, organization code certificate, articles of association and financial statements.
Second, the house seller should provide materials.
1, ID card, household registration book and marriage certificate of both husband and wife.
2. Real estate license
Third, special circumstances.
Information for foreigners to buy a house:
People from Taiwan Province Province: Mainland Travel Certificate (Taiwan Compatriot Certificate), Household Registration Rattan (which can prove marital status), approval form for purchasing houses in Beijing, and mortgage notarial certificate (entrusted to handle later house purchase and mortgage registration).
Hong Kong people: Hong Kong identity card, marriage certificate and mortgage notarial certificate (entrusted to handle the later house purchase and mortgage registration)
Koreans: notarization of Chinese translation of passports, Chinese translation of names, Chinese translation of household registration books (which can prove marital status), and notarization of mortgages (entrusted to handle later house ownership certificates and mortgage registration).
Other nationalities: notarized Chinese translation of passport, notarized Chinese translation of name, notarized Chinese translation of marriage certificate, notarized mortgage certificate (entrusted to handle later house ownership and mortgage registration).
IV. Information provided by the seller for the enterprise:
Legal person's ID card, original and photocopy of business license, organization code certificate, resolution of selling board of directors, articles of association, power of attorney, trustee's ID card, proof of collection account (the above materials must be stamped with official seal) and real estate license.
I'm going to buy a house with a loan, and the income certificate only covers the company with a financial seal, not an official seal. Want to ask about the financial seal?
No, the income certificate issued by the company required for the house purchase loan must be stamped with the official seal of the company, the financial seal is invalid, and the bank will not pass the loan materials.
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.
Extended data:
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.