1. What will happen if the bank statement and income certificate are inconsistent? 1. Bank statements are an important basis for banks to determine customer income. Generally speaking, personal bank statements include transaction details, consumption in and out accounts, transfers, online banking, phone recharges, etc. If it is a salary card, it also includes the monthly salary bank issuance, the bank pays personal income tax, etc.; 2. The income certificate is an important document for reviewing the repayment ability. Therefore, the actual number is of course that the higher the number, the more conducive it is to the loan; but if the bank statement is inconsistent with the income certificate and the difference exceeds a certain standard, the bank will conduct a strict review; 3. Each bank will examine the difference between the bank statement and the income certificate The stipulated standards are different, some are 8,000 yuan, some are 10,000 yuan, some banks also confirm the authenticity of the income certificate, some require the necessary personal tax payment certificate, and others are based on the customer's asset status. To determine the standard for checking the turnover, generally speaking, if the asset condition is relatively good, then the standard will be relatively high.
2. Warm reminder 1. From the bank’s perspective, if bank statements and income certificates are inconsistent and there is a large difference between the two amounts, the bank will consider the income to be “untrue”; 2. In recent years, commercial banks have issued reports on income. The review of certificates is becoming more and more stringent, and there are more and more examples of banks rejecting loans because of inflated income certificates.
Editor’s note: By artificially increasing the amount on the income certificate to prove one’s repayment ability, the bank statement and the income certificate will be inconsistent. If the difference reaches a certain amount, this method will not work. Since the tightening of mortgage policies, banks have stepped up their scrutiny of borrowers' income certificates.