Income proof is a kind of economic income proof that China citizens need in their daily production, life and business activities. In housing mortgage loans, except for a few banks that calculate personal income through the monthly contribution of provident fund, most banks require lenders to provide income certificates to prove the source of repayment.
First, the provisions of the income certificate
1, the down payment should be more than twice the monthly payment.
2. The written form provided by the bank shall be followed.
3. Contact information generally requires the borrower's unit landline.
4. The income certificate must be stamped with the official seal/manpower seal of the borrower.
2. How can a legal entity issue a certificate of income?
1. The income certificate needs to be stamped with the official seal/stamp of the company.
2 company materials (business license, articles of association, organization code certificate, etc.). ) is required.
Third, what if the income is not enough?
Now that the house price is so high, it is often that the income certificate is not enough to double the monthly supply. What should I do at this time?
1 and * * * are the same loan. As long as they meet the qualification of buying a house, couples or couples can issue income certificates together.
2. Looking for a guarantor, usually a parent, is recognized by some banks.
3. Communicate with the human resources department of the unit, and incorporate taxes, provident fund, bonuses and various subsidies into the monthly income as much as possible.
4. Relay loan. In this way, children buy houses and parents participate in repaying loans.
5. Part-time income. Some banks also support the inclusion of part-time income in income certificates.
Fourth, about the running water of wages.
If the loan amount meets the bank's risk standard, some banks will ask the borrower to provide salary flow, so ask in advance.
Generally speaking, banks require lenders to earn at least twice the monthly payment, so the income level directly affects the loan amount. For proof of high income, it is necessary to provide running water. When issuing proof of income, it is necessary to pay attention to the high gold content of the information. In addition to the necessary basic information such as name, ID number, position, income, company name, address, etc., it is also necessary to affix the official seal of the company, and you can also fill in information such as equity or dividends, which is helpful to increase the income of the lender.
The above is an introduction on how to issue the income certificate of house purchase loan. It should be noted that the proof of income must be realistic. If fraud is found, it will directly affect the approval of loans, and it will also produce bad records, which will seriously affect the business of handling loans and credit cards in the future.