1. Will the bank check the personal income certificate?

The bank will check the income certificate.

Not only that, the bank can also check the authenticity of the income certificate. Generally, when a bank applies for a loan, the bank will check the borrower's income certificate. If it is a mortgage loan, the review will be stronger, and ordinary loans will be looser.

First of all, the income certificate has three characteristics that cannot be faked:

1. When issuing an income certificate, a "fresh seal" must be stamped, that is, a photocopy of the income certificate is invalid. In this case, the "original certificate" issued by the company or unit must be issued, and anything else will be invalid.

2. The seal must be a round seal. When stamping, banks will generally require that the unit or company's medallion is not the one stamped at the time, but the stamp stamped after a period of time will not change significantly, and it is not easy to forge in such cases.

3. The content of the general income certificate is also very important, but it does not mean that the requirements should focus on the key points as much as possible. The company or unit will issue a certificate based on basic information such as age, position and so on.

What are the misunderstandings to avoid when issuing income certificates

Myth 1: You can issue a fake income certificate when buying a house. Issue false certificates or issue income certificates from non-employing units, but the actual income is not what is written on the certificates. In addition, some people also collude with banks to issue false certificates. I would like to remind everyone that issuing false certificates is against the law. Once discovered by the bank, not only will the loan be rejected, but you may also bear legal liability. Even if the loan has been approved and is found to be fraudulent by the bank's risk control, you will be liable. The loan is blocked, so don’t go this route of issuing a fake income certificate.

In addition to fake income certificates, another problem is the amount on the income certificate. Generally speaking, banks’ monthly income requirements for borrowers are: the monthly income is equal to the monthly mortgage payment and at least the amount of two mortgages, so Some people feel that it violates the principle of seeking truth from facts. Of course, it does not mean seeking truth from facts blindly and analyzing specific issues in detail.

Legal basis:

"Interim Measures for the Management of Personal Loans"

Article 14 Loan investigation includes but is not limited to the following:

(1) Basic information of the borrower;

(2) Income situation of the borrower;

(3) Borrowing purpose

(4) Repayment of the borrower Come

(5) The guarantor’s willingness to guarantee and the ability to realize the guarantee.

2. Can the bank check the authenticity of the income certificate?

It can be checked, but generally it is not checked. It is subject to the certificate issued by the unit.

After receiving the application form and relevant materials from the applicant, the card-issuing bank must review the applicant's creditworthiness. The content of the review mainly includes whether the content of the application form is true. The creditworthiness of the applying unit must be evaluated, and the credit report of the individual must be reviewed.

Usually, banks will judge whether to issue a credit card to the applicant based on the application information and various aspects of the applicant's information and financial situation. Factors considered include the applicant's past credit record, the applicant's known assets, professional characteristics, etc. The specific factors and processes reviewed by the card issuing bank are commercial secrets and are generally difficult for outsiders to understand. The standards of each card-issuing bank are also different. Therefore, the same materials may be issued with different credit limits and different types of credit cards in different banks. Some banks may even approve the application, while others may reject it. .

3. Will the bank check the personal income certificate?

The bank will check the income certificate. Not only that, banks can also check the authenticity of income certificates. Generally, when a bank applies for a loan, the bank will check the borrower's income certificate. If it is a mortgage loan, the review will be more rigorous, and if it is an ordinary loan, the review will be more relaxed. First of all, there are three characteristics of the income certificate that cannot be faked: 1. The income certificate must be stamped with a "fresh seal", which means that a copy of the income certificate is invalid. In this case, the "original certificate" issued by the company or unit must be issued, and anything else will be invalid. 2. The seal must be the financial seal of the unit or the official seal of the unit. And it must be a medal.

When applying for a seal, banks generally require a round seal from the unit or company, which must be bright red. Even if it is not the seal that was affixed at the time, the seal affixed after a period of time will not change significantly. In this case, the seal will not change significantly. Not easy to fake. 3. The content of the general income certificate is also very important, but it is not about the quantity but the essence. The bank will ask that the key points be highlighted as much as possible. For example, in addition to basic information such as name, age, position, etc., other ancillary information will also be required. In particular, the company or unit will issue a certificate based on facts and truth, and there is no way to fake it. What are the misunderstandings to avoid when issuing income certificates? Misunderstanding 1: You can issue fake income certificates when buying a house. Issuing false certificates includes asking employers or non-employers to issue income certificates, but the actual income is not what is written on the certificates. In addition, some people also collude with banks to issue false certificates. I would like to remind everyone that issuing false certificates is against the law. Once discovered by the bank, not only will the loan be rejected, but you may also bear legal liability. Even if the loan has been approved and is found to be fraudulent by the bank's risk control, you will be liable. The loan issued before will be immediately withdrawn, so you must not take this route of issuing false income certificates. Misunderstanding 2: The higher the income, the better. In addition to fake income certificates, another problem is the amount on the income certificate. Generally speaking, banks’ monthly income requirements for borrowers are: monthly income is at least twice the monthly mortgage payment. Income directly affects the mortgage amount, so some People think that the higher the monthly income, the better. This violates the principle of seeking truth from facts. Of course, it is not blindly seeking truth from facts and analyzing specific issues in detail. Legal basis: Article 14 of the "Interim Measures for the Administration of Personal Loans" Loan investigation includes but is not limited to the following: (1) Basic information of the borrower; (2) Income of the borrower; (3) Purpose of the loan; (4) Borrower Repayment source, repayment ability and repayment method; (5) Guarantor's willingness to guarantee, guarantee ability or the value and liquidity of the mortgage (pledge).