A. Mortgage income proof, what do banks ask for in return?

1.telephone verification in order to eliminate false home mortgage loans, and not ask your income proof of channel, sometimes it is in passing to ask just, proof of income is the investigation when you provide proof of income and bank current is real and credible.

2. If it is to verify the borrower's income with a phone call, their own number can do with their own income to prove?

3. Telephone verification of mortgage is one of the processes that must be followed.

4. The main verification of the authenticity of the sale and purchase of houses: such as the location of the house, the size of the area, the amount of money purchased ....... Sometimes cold ask not a personal data on the question, such as income units, etc., mainly to guard against someone taking the purchase of a false contract photo read.

Two, the mortgage bank phone call back to ask what questions

The mortgage bank phone call back to ask the following questions, and randomness is very large: 1, to confirm that the company has no individual this staff, this point is the bank called a necessary question; 2, the bank will generally ask the individual's company, the individual's specific years of work; 3, Banks will ask the individual's position in the company, as well as the position of the specific work of the situation; 4, the bank will ask the individual's income, while asking the specific classification of the individual's income; 5, the bank loan call back, but also ask the individual to fill out their own form on the question, to confirm whether it is true. A personal housing loan is a consumer loan, which is a loan issued by a lender to a borrower for the purchase of an ordinary home for his or her own use. When a lender grants a personal housing loan, the borrower must provide security. If the borrower fails to repay the principal and interest of the loan at maturity, the lender has the right to dispose of its collateral or pledge in accordance with the law, or the guarantor shall assume joint and several liability for the repayment of principal and interest. The object of the loan is a natural person with full capacity for civil behavior. Loan conditions are that urban residents are used to purchase ordinary housing for their own use and have a purchase contract or agreement, the ability to repay the principal and interest, good credit, a down payment of 30% of the funds required for the purchase of housing, and a loan guarantee recognized by the bank. Loan recipients shall be natural persons with full capacity for civil behavior. Borrowers must also have the following conditions: 1) have urban permanent residence or valid residence status; 2) have stable occupation and income, good credit, and the ability to repay the principal and interest of the loan; 3) have a contract or agreement for the purchase of a house; 4) not less than 30% of the full price of the house purchased as the down payment for the purchase if they do not benefit from the purchase subsidy; and 30% of the portion borne by an individual if they benefit from the purchase subsidy as the The down payment for the purchase of the house is 30% of the total price of the house, if the house is subsidized, and if the house is subsidized, 30% of the portion to be borne by the individual is the down payment for the purchase of the house; 5. There are assets recognized by the lender as collateral or pledge, or there is a unit or an individual with sufficient ability to pay for the guarantee; and 6. There are other conditions specified by the lender.

Three, mortgage income proof, the bank back to ask what?

1 mainly ask ID information, company, income, and contact information, as well as including the content of the credit. In fact, it's not like you're going to be able to get away from the information you filled out when you applied for the job, so you'll just have to fill out the information.

2 encountered ask income this kind of question answer need to be flexible, you can answer fill in the income is just work income, how much they have in the company dividends, in short, work income is just a part of their own there are a variety of other income, as long as their answer is good, flexible, then there is no problem.

3 ask questions related to the application data all to submit information-based. Remember to stammer and answer the question.

4Some people's credit may have some late records, first of all, each institution has a different view of the credit, not a late can not loan, late also divided into light and heavy. If the lender has looked at the credit and has returned the favor, then the key is in the answer.

5 If there is a late credit, you can say, because so and so time outside on business, or that the bank did not send a reminder that time, forgetting for a moment, and then know that immediately after the repayment and also with the bank to explain, and is not a malicious repayment, is to show a good attitude and sincerity.

Expanding knowledge:

Proof of income, is the citizens of China in the daily production of life and business activities, the need for a proof of economic income. Generally in the visa, bank loans, credit cards, etc. will be required by the party unit issued by the proof of economic income.

Use

In the application for credit cards or other banking business, the income certificate is an essential document.

Many people do not know what format the standard proof of income is when they ask the organization to issue a proof of income, which leads to a lot of proof of income can not be used. It is one of the main references of the initial credit limit in the credit card audit, which directly reflects the repayment ability of the processor.

Precautions

Firstly, you should pay attention to the required format of the income certificate.

Secondly, the proof of income must be stamped with a "fresh seal", which means that a copy of the proof of income is invalid.

Third: the seal must be the unit's financial chapter or the unit's official seal. And it must be a round seal.

Proof of income Baidu Encyclopedia