When you go to the bank to apply for a loan, the other party will definitely ask you to provide proof of income or proof of running water as a basis for judging your repayment ability. So how did these proofs come about? Today, I would like to share the template of bank loan income certificate collected, hoping to help everyone.
I. Summary of Bank Loan Income Proof Template
1, proof of salary
This is to certify that _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ is a special kind of equipment.
Hereby certify that
Stamps:
Date: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
2. Proof of salary
This is to certify that _ _ _ _ _ _ _ _ _ _ is an employee of our company, and his monthly fixed income is _ _ _ _ _ _ _ _ _ _.
Stamps:
Date: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
3. Proof of salary
I have a name of _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
Hereby certify!
Stamps:
Date: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
Second, what if the income is not enough?
Generally speaking, banks require customers' income to cover their liabilities, which is about twice as much as their expenses. If the customer's own qualifications are not enough, you can consider lending with your spouse, because with the borrower, the bank will reassess your repayment ability.
Furthermore, if you are unmarried or have no borrower, you can try to find someone to guarantee, which will help you pass the audit. If it is not enough, use your other income to supplement it. Now most of them are Alipay or WeChat transfers, and many banks still recognize them.
The above is the relevant information about the loan income certificate. The template is similar, mainly including the basic work and income of the customer, while the company information covers the name, landline number and official seal.
3 personal loan contract template
In recent years, with the rapid development of real estate market, science and technology and emerging industries, personal loan business has developed faster and faster. How much do you know about personal loan contracts? The following is a sample of personal loan contract that I compiled for you on the first sample website. Thank you for your appreciation.
Personal loan contract template 1
Name of Party A (Lender):
Mailing address:
Contact telephone number:
Name of Party B (Borrower):
Mailing address: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
Bank and account number:
Contact telephone number:
Party C (guarantor)
1: Name: ID number: mailing address:
Contact telephone number:
2. Name: ID number: mailing address:
Contact telephone number:
3. Name: ID number: mailing address:
Contact telephone number:
Whereas, due to business needs, Party B applied to Party A for a small margin loan, which was agreed by both parties through consultation.
Article 1 Basis for signing a contract
Article 2 the parties
Article 3 This contract includes loans, guarantees, etc.
Article 4 Purpose of loan:
Party B borrows money from Party A for.
Article 5 loan amount
Party B borrows RMB (in words) one million only (￥) from Party A.
Article 6 Term of loan
The loan term agreed in this contract is (in words) months, that is, from year to year.
Article 7 Loan interest rate
1. According to the agreement of all parties, the monthly interest rate of the loan is%.
2. Interest payment: the interest of this loan contract shall be paid quarterly, and Party B shall deliver it to Party A on time at the end of every three months.
Article 8 Repayment
1. During the validity of this contract, Party B may repay all or part of the loan interest in one lump sum;
2. When this contract expires, Party B must repay all the principal and corresponding interest of the loan under this contract in one lump sum.
Article 9 Loan guarantee
1. Guarantee method: During the guarantee period, Party C is willing to bear joint and several liabilities for Party B's debts. If Party B fails to repay the loan principal and interest or related expenses on time as agreed in this contract, regardless of whether Party A has other guarantees for the creditor's rights under this contract, Party A has the right to directly ask Party C to assume the guarantee responsibility within the scope of its guarantee.
2. Scope of guarantee: The scope of guarantee includes Party B's loan principal, interest (including compound interest), liquidated damages and compensation payable by Party B, and related expenses (including legal fees and attorney fees) incurred by Party A to realize the creditor's rights.
3. Guarantee period: the guarantee period is from the effective date of this contract to the time when Party A recovers all the relevant funds of this loan contract.
4. Except for the following circumstances, Party A and Party B agree to change the contract without the consent of Party C:
(1) Extend the loan term;
(2) Increase the loan amount.
Article 10 Liability for breach of contract
1. If Party B fails to use the loan according to the purposes specified in this contract, Party A has the right to recover part or all of the loan.
The default part will be charged with interest at the rate of% per month.
2. If Party B fails to repay the loan within the time limit, Party A has the right to recover the loan and charge interest at the rate of% per month.
3. When Party B fails to pay the interest on time, Party A has the right to terminate this contract in advance, and requires Party B to repay the loan principal, corresponding interest and liquidated damages of% interest rate per day in advance from the overdue date.
Article 11 Other agreed matters
1. Any dispute arising from the execution of this contract shall be settled by both parties through consultation. If negotiation fails, it shall be submitted to the local people of Party A for adjudication. During the negotiation or litigation, the clauses not covered in this contract still need to be performed.
2. Party B and Party C shall notify Party A of major changes (such as shareholders, addresses, communication methods, operating conditions, etc.). ) within ten days.
3. Party B agrees to transfer the relevant creditor's rights to Party C after Party C pays off all the debts under this contract on its behalf. Party A may assist in handling relevant formalities and notify Party B. ..
Article 12 The Contract shall come into effect: the Contract shall come into effect after being signed by Party A, Party B and Party C, and the loan amount agreed in the Contract shall be transferred by Party A to the account designated by Party B. ..
Article 13 This contract is made in quadruplicate, one for Party A, Party B, Party C and the witness institution.
Signature (seal) of Party A:
Authorized Agent (signature):
Party B (signature and seal):
Legal representative or authorized agent (signature):
Party C (signature and seal):
Legal representative or authorized agent (signature):
Witness organ (official seal):
Witness (signature):
Date of signature: year month day.
Personal loan contract template 2
Borrower:
Mortgagor:
Guarantor:
Creditor:
Loan type:
In witness whereof, both parties hereto have entered into this Contract in accordance with the Contract Law of People's Republic of China (PRC) and other relevant laws and regulations on the principle of equality, truthfulness and voluntariness.
Special note: Before signing this contract, the borrower and the guarantor must carefully read the terms of this contract, especially the "special note" and the bold part. If there is any ambiguity, please consult in time, and the lender will definitely give a positive answer. The Borrower and the Guarantor have the right to agree to this contract and choose other contracts, but after signing this contract, they are deemed to agree to all the terms of this contract.
Article 1 Types of loans. After examining the loan application submitted by the borrower, the lender agrees to grant the loan to him.
Article 2 Purpose of the loan: The purpose of the loan is that the borrower shall not change the purpose of the loan without the written consent of the lender.
Article 3 the loan amount. The loan amount under this contract is RMB (in words). Yuan.
Article 4 Term of loan. The loan term under this contract is _ _ _ _ months, counting from the date recorded in the loan receipt (Annex II), that is, from _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
Article 5 loan interest rate. The loan interest rate at the time of signing this contract is% per annum. If the legal interest rate is adjusted or the interest calculation method is changed within the validity period of the Contract, and the loan term is within 1 year (inclusive), the original interest rate will be implemented and interest will not be calculated by installments. If the loan term exceeds 1 year, the loan interest rate shall be calculated according to the adjusted applicable interest rate from the following year. During the validity period of the Contract, if the Lender adjusts the loan interest rate of the Contract according to the regulations of the People's Bank of China, the Lender will announce the adjustment of the statutory loan interest rate in the business place without sending a written notice to the Borrower.
Article 6 Calculation method. The interest is calculated from the borrower's actual withdrawal date, based on the actual withdrawal amount and the number of days used, and the calculation base is 360 days a year.
Article 7 If the above agreement is inconsistent with the loan receipt, the loan receipt shall prevail, and the loan receipt is an integral part of this contract.
Article 8 conditions for withdrawal. The borrower shall meet the following preconditions before withdrawing money:
8. 1 The borrower has opened an account for withdrawal, interest payment and repayment as required by the lender.
8.2 The guarantee clauses under this contract have come into effect.
8.3 In the process of applying for a loan, the borrower has provided the lender with all the documents and materials required by the lender, and these documents and materials are still valid.
Article 9 loan guarantee. All loans under this contract are guaranteed by the mortgagor and the guarantor (hereinafter collectively referred to as the "guarantor" as appropriate) in the form of (mortgage/guarantee). For specific agreement, please refer to the corresponding guarantee clauses in this contract.
Article 10 During the loan term, the borrower chooses the following repayment methods to repay the loan principal and interest. The loan under this contract will be repaid in installments (monthly/quarterly) * *. See the repayment plan provided by the loan bank for the specific repayment amount and date (Annex 4).
1, and the interest shall be paid off with the principal; 2. Repayment of equal principal and interest; 3. Repay the principal in equal amount.
4. Increasing/decreasing repayment method 5. Pay interest on schedule and repay the principal at one time.
6. Pay interest monthly for the first three months, and then pay the same amount every month.
7. Pay interest monthly for the first three months, and then pay the principal monthly.
8. Pay the interest monthly in the first five months, and then pay it in equal amount monthly.
9. Pay interest monthly for the first five months, and then pay the principal monthly.
Article 11 The borrower may repay all or part of the outstanding loan in advance, but shall notify the lender in advance according to the following requirements and obtain the written consent of the lender. The borrower can only prepay once a year.
1 The borrower must submit a written application to the lender five working days before the scheduled prepayment date. Once the application is issued, it is irrevocable.
2 If the borrower repays part of the loan in advance, the repayment amount shall not be less than RMB (in words) in principle, and the loan interest charged before prepayment shall not be adjusted.
If the repayment period is changed due to early repayment, the newly agreed repayment period shall not be longer than the original period, and the principal and interest of the loan shall still be charged according to the interest rate and repayment method agreed in the loan receipt.
If part of the loan is repaid in advance, the lender and the borrower shall renegotiate the repayment plan of the remaining outstanding loan, and the borrower shall repay the remaining loan principal and interest according to the repayment date and amount indicated in the repayment plan provided by the lender again. If the borrower repays all outstanding loans in advance, all interest shall be settled.
Article 12 The borrower makes the following statement to the lender:
1 The borrower is fully qualified and entitled to sign this contract and perform its obligations under this contract.
All documents, materials and vouchers provided by the Borrower to the Lender for the loan under this Contract are accurate, true, complete and effective.
3 The Borrower has not concealed any events that have happened or will happen soon, which may cause the Lender to refuse to release the loan under this Contract.
4. According to the requirements of the lender, truthfully provide the information that should be submitted in the process of loan review, consciously accept the lender's investigation and supervision on the use of the loan under this contract, and give full assistance and cooperation;
5. Pay off the loan principal and interest under this contract according to the agreement of this contract;
6. When the personal circumstances of the borrower such as occupation, income, address, mailing address and telephone number change, the borrower shall immediately notify the lender;
7 It shall not affect the performance of repayment obligations under this contract by any third party.
Article 13 The following events constitute an event of default under this Contract:
1 The Borrower fails to fulfill the repayment obligation on time or in full for three consecutive installments or six cumulative installments; 2 The statement made by the Borrower in this Contract is proved to be incorrect, untrue or misleading;
3. The Borrower fails to realize or abide by its commitments in this Contract or violates its other obligations under this Contract;
4. The Borrower dies, disappears or loses capacity during the repayment period, and no legal successor or legatee continues to perform the obligations under this Contract, or his legal successor or legatee refuses to perform this Contract;
5. There are other circumstances that have or may have serious adverse effects on the Borrower's performance of obligations under this Contract.
Article 14 When the breach of contract mentioned in the preceding article occurs, the lender has the right to take one or more of the following measures:
1 Require the borrower and/or guarantor to correct the breach of contract within a time limit;
2. Declare that all loans are due immediately, and require the borrower to repay all loan principal, interest and other payables immediately;
3. Require the addition or replacement of guarantor, collateral and pledge;
Declare to exercise or realize the security right under this contract.
Name and address of collateral:
Building area: unit price
Borrower:
Mortgagor:
Guarantor:
Creditor:
Year month day:
Personal loan contract template 3
Name of Party A:
Address: _ Name of Party B:
Address: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
Whereas: Party A applied for a small margin loan from Party B due to business needs, and both parties agreed through consultation that Party B would provide Party A with the loan agreed by both parties ... Therefore, both parties hereby conclude this contract:
1. Total loan amount: RMB twenty thousand yuan only (RMB_20_0 yuan).
2. Purpose of loan: _ Small deposit is used for loan.
3. Loan term: the loan term is half a year, from June 65438+1October 1 1 to July1.
4. Loan interest rate: the loan interest rate and interest-bearing method are 2% monthly repayment.
5. Withdrawal of the loan: this loan is a one-time withdrawal, and the withdrawal time is the effective date of this agreement.
6. Loan repayment: Party A promises to pay the current month's interest to Party B on schedule within the loan period agreed in this agreement, that is, before 1 1 from February to July, 20, and repay all the principal to Party B in one lump sum before July, 20.
8. If Party B agrees with Party A to postpone repayment, this agreement will remain valid. ..
9. This contract is made in duplicate, one for each party.
Signature of Party A: Signature of Party B: MM DD YY Bank AccountNo.:
Personal loan contract template 3 related articles:
★ 3 Model personal loan contract
★ 3 personal secured loan contract template
★ Formal personal loan contract template 3 latest article
★ 3 personal loan contract template
★ 3 personal loan contract template
★ 3 samples of personal consumption loan contracts
★ Three simple versions of personal loan contract templates
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★ 3 personal private loan contract template
Bank loan income proof template This is also the proof needed when applying for a loan.
With high housing prices, it is difficult for most people to buy a house in full, so buying a house with a loan is the first choice. Due to the complicated procedures when handling the house purchase loan, including the need to provide proof of personal income. Then, how to open the income certificate of 20 17 house loan? What is the loan income proof template? What are the precautions for issuing income certificates? In order to avoid wasting more precious time in applying for a certificate, I brought you what you need to know about buying a house with a loan and the relevant contents of the loan income proof template for your reference when applying for a loan!
Matters needing attention in loan purchase?
1. Check whether the developer has a pre-sale permit for commercial housing. With it, developers will have land use permits, planning permits, construction permits and so on. This is the key to whether you can get the real estate license.
2, to use the housing management department unified housing sales contract text, and fill in one by one according to the terms listed, not sloppy.
3. Pay attention to whether the rights and obligations filled in by both parties in the contract are equal. Some developers' contracts have been filled out in advance, and even the supplementary terms are filled out by themselves. Most of these contracts have unequal rights and obligations. Once it happens, the buyer should give his own opinion and never make a move.
4. If the calculation is based on the usable area of the suite, the error handling method shall be specified in the "Area Difference Handling" clause. Only by making detailed provisions in the contract can we avoid being cheated.
The amount, time limit and method of payment are agreed in the contract. Some developers do not sign the contract first, but let the buyers pay the deposit first and only give the receipt. Once it happens, it is difficult to prove responsibility.
6. Delayed delivery is a common occurrence, and developers make a big fuss about the contract, such as: marking the completion date instead of the use date; Use fuzzy language such as "after water and electricity installation and quality acceptance". In this regard, when signing a contract, buyers should specify the date of delivery as "a certain month and a certain day" and indicate the responsibilities that developers need to bear if they cannot deliver the house on time.
7. When signing a contract, please ask a lawyer to review the contract from a legal point of view to reduce some unnecessary losses.
Loan income proof template
This is to certify that _ _ _ _ _ is an employee of our company, and he:
1, the current position is _ _ _ _ _ _ _ _;
2. I signed a labor contract with our company for a period of _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ years.
3. The total monthly income is RMB _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
4. For borrowing money from the bank or providing guarantee, issue a certificate of income for _ _ _ _ _ _ _ (in words).
Our company guarantees that the above information is true.
Contact number of personnel, labor or financial department:
Contact person of personnel, labor or finance department:
Official seal of the company: _ _ _ _ _ _ _
Seal of Personnel and Labor Department: _ _ _ _ _ _
Or seal of financial department: _ _ _ _ _ _
_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
What are the precautions for issuing income certificates?
1, pay attention to the format of the income certificate.
2. The seal issuing the income certificate must be the financial seal or the official seal of the unit, and it must be a circular seal.
3. The seal must be the financial seal or the official seal of the company, and it must be a circular seal.
4. The annual income is the sum of basic salary, bonus and welfare within one year, excluding personal income tax and insurance premium.
Editor's summary: The above is the template of bank loan income certificate, and it is also an introduction to the relevant knowledge needed to prove when applying for a loan. I hope I can help my friends in need! For more information, please continue to pay attention to our website, and more exciting content will be presented later!
How to write the application for self-employed bank loan? (attached template)
Some banks require that self-employed individuals who want to apply for loans from banks not only fill out loan forms, but also issue loan applications. This makes many people very embarrassed. How should I write this application? What is the content? In fact, the application mainly includes two contents, the reasons for applying for a loan and the basic matters of the loan. Here, I publish a model for your reference.
loan application
_ _ _ _ _ _ _ Sub-branch of XX Bank (branch):
I am an employee of _ _ _ _ _ _ (company), and my current position is _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ In line with the principle of honesty and trustworthiness, I declare that this property is the _ _ _ _ housing purchased by this family loan (excluding provident fund loan).
I have opened a repayment account (account number is _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ If the account funds are insufficient and the loan is in arrears, I accept all legal collection measures of your unit (bank) and voluntarily bear all consequences.
Applicant (signature and handprint): _ _ _ _ _ _ _ _ _ _ _
Valid ID number: _ _ _ _ _ _ _ _ _ _ _
_ _ _ _ _ _ _ _ _ _ _ _ _ _ _
"How to write an application for a loan from a self-employed bank" ends here.
You can choose three samples of proof of loan income from China Construction Bank.
Many friends go to China Construction Bank to apply for loans. When asked to submit proof of loan income, they don't know what to do or how to write it. Here are three samples of proof of loan income of China Construction Bank for your reference.
China Construction Bank Fan Loan Income Certificate
China Construction Bank loan income certificate model II
China Construction Bank Loan Income Proof Mode 3
Here are three samples of proof of loan income of China Construction Bank. You can refer to your favorite template to write proof of income.