There is such a provision in the "Measures for the Administration of Personal Housing Loans" of the bank that "the lender must have a stable occupation and income, good credit and the ability to repay the principal and interest of the loan on time." And it is a big problem for those freelancers, self-employed, and those who have no specific work units to require the lender to issue a legal and bank-approved certificate of stable economic income in the last two years. Without a work unit, it is impossible to issue income certificates. Some freelancers, such as actors, singers, writers and self-employed, are all high-income people. So how can these people meet the requirements of the bank? As long as you give the bank a receipt for paying personal income tax in the past two years, the bank will determine your income and repayment ability according to the amount of personal income tax you pay. If other conditions meet the requirements, the bank will give you a loan.

1, the "stable occupation and income" mentioned by the bank is relative, and it is a relatively fixed occupation and income relative to those who have no occupation and income source. Generally speaking, it refers to working in a unit for more than one year, which can be regarded as a relatively stable occupation.

2. Whether the income such as royalties is regarded as stable income depends on different situations: if the loan applicant is a freelance writer and the royalties are the main source of income, it can be determined whether it is stable income. If the applicant is an amateur writer, earning a contribution fee occasionally is not a steady income, but a temporary income. The bank's investigation on the income of actors, singers, painters and other freelancers also depends on the above situation.

For example: 1, 20 14 Zhang San's income must reach 5.7 million yuan (principal)+interest expenditure of about 300,000 yuan+family expenditure of about 654.38 million yuan+operating income.

2. Expenditure = family living expenditure 6.5438+10,000 yuan+interest expenditure 300,000 yuan+operating cost expenditure.

3. If the income in 20 14 years is 4.6 million, can it be said that the income in 20 14 years cannot cover the total loan (180+180+210) and the repayment sources are insufficient?

This is obviously a lack of repayment sources! Calculated by 30% of its profit, the project cost is about 2,654,380+0 million yuan to pay the loan principal and interest.

The total project cost of 4.6 million does not mean that Zhang San earned 4.6 million in 20 14, which is only the project cost.

The repayment ability of a loan cannot be analyzed by net income, but by cash flow. Don't confuse two concepts.