Proof of income from self-employed loans is not a necessary condition for loans, but self-employed individuals can explain their income from the side by providing tax payment certificates, self-deposited bank accounts, and self-employed business descriptions, so that banks can further judge their repayment ability.
If banks require higher qualifications, self-employed individuals can obtain them by applying for mortgage loans. General mortgage loans are not very strict with proof of income.
Extended data:
Generally, when handling visas, bank loans, credit cards, etc., the parties will be required to issue proof of income. It is one of the main reference contents when handling house mortgage, which directly reflects the repayment ability of the handler.
In fact, in order to avoid risks, on the one hand, in the process of approving loans, banks will conduct a six-month investigation on borrowers' bank daily accounts. If migrant workers can't provide it, they can also prove their income with certificates of deposit; On the other hand, the bank account manager will conduct a comprehensive investigation on the borrower's life and work. Including whether the purpose of buying a house is to improve the living environment or to live for the first time.
It is worth mentioning that if the applicant is married and a person's income certificate is lower than his monthly payment, both husband and wife can apply for a loan at the same time. After the conditions are met, the bank can also approve. In addition, there are other assets of some families, such as large deposits, bonds, loan income proof model real estate and so on. , can also be used as proof of income, banks will generally be included as a reference.
References:
Baidu encyclopedia-proof of income