I want to change my job recently. The new company is like this. Five insurances and one gold are paid according to the minimum standard base in Shanghai, but I won't help you pay personal income tax. So the question is this: I plan to buy a house in Shanghai next year (non-Shanghai native), and I expect to need a loan of 8.9 million yuan, so I want to ask, if I borrow at that time, will it be affected because I didn't pay any taxes? Then I heard that the loan needed to provide bank flow, so I contacted the new company. Because of tax avoidance, the salary will be paid to you twice. Does it affect the bank's running water? According to the new company, it is no problem for banks to apply for income certificates from the company when they need running water. So I want to ask one more question here, is it only one of the bank's running water and income? Thank you.