1. Why do I need proof of income to buy a house with a loan?
1, reflecting the repayment ability of buyers.
The income certificate includes the fixed monthly income of the buyer, which is usually the basic part of the family income. The income certificate needs to be stamped with the official seal of the company and issued by the party concerned, so this certificate is very formal and useful. Income proof is a kind of proof of economic income in daily production, life and business activities, which represents the borrower's repayment ability. Not only when handling mortgage loans, but also when handling visas, bank loans, credit cards, etc.
2, the bank loan approval basis
Personal income certificate intuitively reflects the repayment ability of buyers, and buyers with good repayment ability are liked by banks, so it will be easier to apply for loans. If the repayment ability is not enough, buyers will face the problem of low loan amount or being refused loans. Therefore, the proof of income will directly affect the approval of the loan bank. You can use some skills to apply for a bank loan. If the applicant is married and a person's income certificate is lower than his monthly payment, both husband and wife can issue income certificates at the same time, so that the amount will be more and the bank can approve it.
3. The basis of loan credit investigation
Usually, applying for a bank loan also involves personal credit information. If you apply for a loan with proof of income, the bank will also evaluate the repayment ability of the buyers, which shows that the proof of income is fair and can be used in many aspects. Therefore, a complete, true and reliable income certificate is one of the important bases for personal loan credit acceptance investigation and approval decision.
Second, what are the precautions for issuing income certificates?
1. When the bank examines the borrower's income certificate, it will examine the contents of the income certificate, so buyers must pay attention to ensuring that the information in the income certificate is true and effective. These details should be implemented in the small details of personal name, ID card, position, age, mobile phone and address, because banks will focus on these aspects.
2. Cheating bank loans by forging income certificates will be suspected of defrauding loans. In fact, it is not difficult to prove the income of buying a house. Some people are afraid of trouble or won't do it, but they will make false income certificates. Although it seems convenient and simple, the consequences they have to bear are also very serious. First of all, for the borrower, once the false income certificate is discovered by the bank, it will not pass the loan review, and the serious situation will be severely punished by law.
3. If the personal income certificate is more than 1 1,000 yuan, the buyer also needs to provide some asset certificates, such as bonds, vehicle purchase certificates, personal income tax certificates, bank deposits, etc. Moreover, when issuing the income certificate, you must indicate the purpose of your loan, and the stamp must be the financial stamp or official seal of the unit, and it must be a round stamp. At the same time, your annual income is the sum of salary, bonus and welfare, and personal income tax and insurance premium are deducted. The higher the income certificate, the better. Be sure to write according to your own actual situation.
All of the above are about why the loan to buy a house requires proof of income, and what matters need attention when issuing proof of income. I hope it can help you understand the relevant knowledge to solve the matters needing attention in income proof. Please continue to pay attention to more decoration knowledge, decoration company evaluation and decoration cases.