Applying for a bank mortgage loan to buy a house is one of the most common payment methods. Only when buyers have the relevant loan conditions can they borrow a large sum of money from the bank as the purchase price, and this qualification is mainly reflected in the personal credit record and income of buyers. Credit information determines whether they can successfully apply for a loan, and income determines the loan amount. Generally, the higher their income, the more money they borrow. So how do you open a mortgage income certificate? Let's take a look with Bian Xiao.

1. How to open the mortgage income certificate?

1, apply, and go to the financial department, human resources department and other departments of the unit to apply for an income certificate; 2. Payment requires proof of income in a format recognized by the bank, as well as personal monthly salary, monthly bonus, working years, position and other information. Need to fill in completely and truly, including information such as unit subjects; 3, signature and seal, need the signature of the agent and the applicant, and then need to affix the official seal of the unit to have legal benefits.

Second, what should I pay attention to when issuing a mortgage income certificate?

1, highlight the key points

The more proof of mortgage income, the better. The piecemeal proof of income shows the instability of income. It is best to fill in the proof weight, so as to highlight your advantages. In addition, personal basic information and company information are more important, and it is best to attach a commitment to prove that the information is true.

2. Income should be true.

Although the higher the income, the more loans you can get, but the income certificate should be filled in according to the actual income, because the bank will review the personal income certificate. Once it does not meet the requirements, it is difficult to grant loans. Even if it is passed, the repayment pressure in the later period will be very great, and it is necessary to consider whether it can afford the monthly payment in the future.