With the continuous development of society, many times we need proof materials. Proof materials should be concise and clear, and there should be no language errors and ambiguities. You didn't have a clue when you wrote the proof? Below, I have compiled the "General Template for Proof of Mortgage Income" for your reference, hoping to help friends in need.
General template for XXXX bank (1) mortgage income certificate:
Our employee (name) xxx, ID number: xxx, applied for a loan from your bank. This is to certify that his post in the company is xxx, and he has worked continuously for xxx years, and his after-tax income is as follows:
Basic salary: xxx yuan/month
Gold exploration: xxx yuan/month
Bonus: xxx yuan/month
Total: xxx yuan/month, and last year's income was xxx yuan/year.
Our unit will bear the legal responsibility caused by the fact that the certificate is inconsistent with the actual situation.
Unit (seal):
Telephone:
Contact person:
Date:
General template for proof of mortgage income (Part II) My position is the employee department of our company, and I have worked in our company for _ _ _ _ _ _ _ _ years.
The ID number is: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
Hereby certify that
(affixed with financial/personnel/company seal) _ _ _ _ _ _
_ _ _ _ _ _ _ _ _ _ _ _ _ _ _
General template for proof of mortgage income (Part III) This is to certify that _ _ _ _ _ _ _ is an employee of our company and holds _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _. So far, the total income in the past year is about _ _ _ _ _ _ yuan.
This is to certify that.
This certificate is only used to prove the work and salary income of our employees, and it is not used as a guarantee document for employees under any circumstances.
Stamps:
Date: _ _ _ _ _ _ _ _ _ _ _ _ _
General template for proof of mortgage income (Part IV) 1. Is it cost-effective to repay the mortgage in advance?
First of all, citizens have a number of provident fund loans and commercial loans, with different repayment methods and deadlines. In the order of prepayment, it is suggested that commercial loans with long term and equal principal and interest should be repaid first, then commercial loans with short term and repayment method in average capital should be selected, and then provident fund loans should be made.
In addition, for those who have loans at present and plan to buy a house in the short term, it is recommended not to repay the loan in advance. The funds for repaying the loan in advance can be realized through bank wealth management products, and then used as funds for purchasing new real estate in the future to avoid the loss of a low-interest loan for a first suite, and now they have to borrow a high-interest loan for a second suite.
In addition, before deciding to repay the loan in advance, we should consider the following issues clearly:
Second, whether there are large loans to enjoy low discounts.
It is understood that banks give different interest rate concessions to different borrowers at different times. A few years ago, property buyers could get 15%, 20% or even 30% preferential interest rates from banks, which was extremely favorable among bank loan interest rates. In this case, if the loan is repaid in advance, the interest rate concessions enjoyed will be gone.
In addition, the provident fund purchase policy contains certain benefits, and the loan interest rate in the same period is generally much lower than that of commercial banks. If property buyers enjoy these two kinds of low interest rate concessions with considerable loans, then it is better not to repay in advance.
Third, is the repayment early or late?
Mortgage is divided into two repayment methods: average principal and equal principal and interest. Among them, the proportion of principal in the monthly repayment of equal principal and interest increases month by month, and the proportion of interest decreases month by month. If the repayment of equal principal and interest has reached the middle stage, it is not cost-effective to repay the loan in advance at this time. The average capital is to divide the total loan amount by half the cost and calculate the repayment interest according to the remaining principal. When the repayment period in the average capital exceeds 1/3, the borrower has actually paid half of the interest. If you choose to repay the loan in advance, you still have to pay more principal, which cannot effectively save interest expenses. Therefore, buyers who want to repay the loan in advance can consider their own repayment stage. If the repayment time is not long, choosing to repay the loan in advance can effectively save interest expenses; If it is in the middle and late period, most of the interest has been paid off, so it is not suitable to repay the loan in advance.
Does the bank have a penalty clause for default?
At present, for most small and medium-sized joint-stock banks, there are few additional penalty interests for buyers who want to repay their loans in advance, and they are required to pay liquidated damages. However, some large state-owned banks need to pay liquidated damages to varying degrees. Some banks will make it clear in the loan contract that early repayment may require a certain penalty.
Some banks need to charge 1 to 3 months' interest on the actual repayment amount, and some banks even need to charge 3% handling fee on the actual repayment amount. In addition, some banks have fixed term requirements for early repayment of loans, mostly 1 year. If the buyer's loan term is less than 1 year, it may be necessary to pay a certain amount of liquidated damages according to the contract. Therefore, people who repay loans in advance need to know from their own banks whether they will default because of repaying loans in advance.
Is there a better channel?
In fact, among bank loans, mortgage is a kind of loan with quite low interest rate. Compared with the loan interest rate of 30% to 40%, the use cost of mortgage funds is much lower. Nowadays, with the development of Internet finance, there are more and more financial channels for residents. For these families, choosing to use idle funds for acquisition may be greater than the interest saved by repaying the loan in advance. Therefore, families with a financial mind might as well make good use of their money to go to Qian Shengqian. However, it should be noted that risks always exist, and high risks are accompanied by high risks. For those families who are weak in financial management and only pursue stable savings, it is still a good choice to repay in advance and deposit interest.
Therefore, according to the above four questions, we suggest not to prepay in the following three cases.
1, you can enjoy a discount of 30% to 20% when signing a loan contract. The interest rate is 50% off. As we have enjoyed a lower discount rate, we are now in the channel of interest rate reduction. If the central bank does not cut interest rates during the year, even if the new interest rate is implemented in June next year at 65438+ 10 1, the interest rate will only be lower than that in the previous period.
2. Buyers whose repayment period of equal principal has passed 1/3. Since the average capital divides the total loan amount by half of the cost, the repayment interest is calculated according to the remaining principal. In other words, the later this repayment method is, the less the remaining principal will be, so the less interest will be generated. In this case, when the repayment period exceeds 1/3, the borrower has already paid nearly half of the interest, and the later repayment is mostly the principal, and the interest level has little effect on the repayment amount.
3. Buyers who have reached the medium-term repayment of principal and interest. Matching principal and interest repayment adds up the total principal and interest of the mortgage loan, and then distributes it evenly every month. The monthly loan interest is calculated according to the remaining loan principal at the beginning of the month and settled monthly. In other words, the proportion of principal in monthly repayment increases month by month, and the proportion of interest decreases month by month. By the middle of repayment, most of the interest has been paid off, so it is of little significance to repay the loan in advance.
This is to certify that xx is an employee of our company, has worked in our company for xx years, graduated from xx_, and is currently with me.
The position of this unit is xx. In the past year, the average annual/monthly income of this employee in our company was (after tax) xx yuan (in words: xx million RMB only).
This is to certify that.
Company name: xx
Xx year xx month xx day
General template for proof of mortgage income (Chapter VI) xxxx Bank Shenzhen Branch:
This is to certify that xxx is an employee of our company, with a marital status of xxx, has been working in our company for X years continuously, with the highest education of xxx, and currently holds the post of xxxx in our company. The employee's average monthly income (after tax) in the past year was xxxxx. At present, the employee's physical condition is xxx.
This is to certify that.
Handler: xxx
Xx，xx，XX，XX
General template of mortgage income certificate (Chapter VII) Income certificate is an economic income certificate that China citizens need in their daily production, life and business activities. Generally, when handling visas, bank loans, credit cards, etc. You will be asked to issue a proof of the economic income of the party concerned. It should be noted that the income certificate generally refers to after-tax income, excluding personal income tax.
The higher the income certificate, the better.
The proof of income is not as high as possible, and the monthly income stipulated in the loan should be twice or more than the monthly payment in order to obtain the required loan amount. Buying a house with a loan requires a floating salary in addition to proof of income, usually within six months. The flow of wages should be consistent with the figures on the income certificate, otherwise it will be discredited and unfavorable to the loan. Therefore, the income certificate should be filled in according to the salary flow direction, and it should not be set too high to avoid the problem of mismatch with the salary flow direction.
Matters needing attention in issuing income certificate
1, the basic information must be consistent with my own information. Property buyers must ensure that their identity information is exactly the same as the information on the income certificate when filling in the income certificate.
2. Don't fill in the income too high. The higher the income certificate, the better. If your income is several times higher than the local average income level of your position, you may be refused a loan. Property buyers should fill in the income certificate according to the actual situation, and have enough evidence to prove their income, so as to avoid the bank suspecting that you are suspected of fraudulent loans.
Don't ignore five insurances and one gold. Provident fund loans can save a lot of housing costs for buyers. Even if buyers can't buy a house with provident fund loans, adding the deposit record of five insurances and one gold to the income certificate can also help buyers apply for commercial loans.
4. Don't forge proof of income. In order to obtain a higher loan amount, some people forge income certificates and other materials in an attempt to deceive people through false materials. But this kind of behavior itself is illegal, and the consequences are very serious: once it is found out by the bank, even if the loan has been approved, it will be recovered, and even more serious, it will bear legal responsibility.
General template for proof of mortgage income (Chapter 8) This is to certify that this employee has worked in our company for many years continuously, has a university degree and is currently working in our company. In the past year, the average monthly income (after tax) of this employee in our company was RMB (in words: one hundred yuan only). Employee's physical condition (good, poor).
We promise that the above certification materials are true and effective.
This is to certify that.
Official seal of the company: xx
Date: xx, xx, xx, XX
Date: xx, xx, xx, XX
Extension: Precautions for Demonstration Certificate of Mortgage Income
First: Pay attention to the necessary format when issuing the income certificate.
Second: the income certificate must be stamped with a "fresh stamp", that is, the copy of the income certificate is invalid.
Third: the seal must be the financial seal or the official seal of the unit. And it must be a round stamp.
General template of mortgage income certificate (Chapter 9) First of all, pay attention to the necessary format when issuing income certificate.
Second: the income certificate must be stamped with a "fresh stamp", that is, the copy of the income certificate is invalid.
Third: the seal must be the financial seal or the official seal of the unit. And it must be a round stamp.
Proof of mortgage income: This is to certify that _ _ _ _ _ _ _ is an employee of our company and holds _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _. So far, the total income in the past year is about _ _ _ _ _ _ yuan.
This is to certify that.
The model certificate of mortgage income is only used to prove the work and salary income of our employees, and it is not used as a guarantee document for employees under any circumstances.
Stamps:
Date: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
If you don't pay the provident fund, you can press this to change it.
The general template for proof of mortgage loan income (10) has _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
Hereby certify!
(official seal) _ _ _ _ _ _ _
XXXX year x month x day
Attachment: Company Address: _ _ _ _ _ _ _ _ _ _ _ Company Address: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
Company contact: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
Company phone number: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
General template for mortgage income certificate (1 1) First of all, pay attention to the necessary format when issuing income certificate.
Second: the income certificate must be stamped with a "fresh stamp", that is, the copy of the income certificate is invalid.
Third: the seal must be the financial seal or the official seal of the unit. And it must be a round stamp.
This is to certify that _ _ _ _ _ _ _ _ _ is an employee of our company, has worked in our company for _ _ _ _ years continuously, graduated from _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _. In the past year, the employee's annual/monthly average income in our company was (after tax) _ _ _ _ _ _ _ _ _ _ (in words: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _).
Hereby certify that
Company name: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
Connotation of personal income certificate: including salary (generally referring to the total income of the whole year), copy of pension insurance payment, certificate of own property, certificate of private vehicle, copy of large passbook, foreign exchange, bonds, gold securities account, large life pension dividend policy, etc.
Stamps:
Date: _ _ _ _ _ _ _ _ _ _ _ _ _
General template for proof of mortgage income (12) ** City Sub-branch:
Survey content:
(a) the education level of the applicant's professional title;
(2) The applicant's working years in your company: years, continuous working years;
(3) The applicant's actual monthly comprehensive income (after tax) is RMB (in words);
(4) The account number of the applicant's salary account (CCB);
(five) the applicant's identity card number;
(six) the applicant's work phone number, home phone number and mobile phone number;
(seven) the applicant's home address;
(eight) the applicant's personnel and labor relations.
□ Long-term □ The term of the contract signed by the contract system is years.
(nine) whether the applicant has violated discipline.
(10) the nature of your organization
□ State organs □ institutions □ enterprises of the whole people □ collective enterprises
□ Private enterprises □ Joint ventures □ Wholly-owned enterprises □ Other types
(eleven) the contact telephone number of the personnel and labor department of this unit:
Signature of the person in charge of the unit:
The official seal of the unit or the seal of the personnel and labor department
date month year
Special note: the credit investigation letter will take effect after being stamped with the official seal of the unit or the seal of the personnel and labor department of the unit, and the issuing unit shall be responsible for the completeness and accuracy of the information in the credit investigation letter.
Stamps:
Date: Year Month Day