Does the loan require proof of income before tax or after tax?
It is pre-tax salary, and the loan income certificate has just been issued.
The loan must be issued The income certificate generally refers to your payable salary, payable salary - five insurances and one housing fund - personal income tax = actual salary, so the amount on the salary certificate is the pre-tax amount.
Because the loan amount is determined based on monthly income, the higher the monthly income, the higher the loan amount. Therefore, when issuing an income certificate, you can add five insurances, one housing fund, year-end bonus, etc. to increase the amount. Monthly income amount.
Frequently asked questions about the income certificate for mortgage house purchase:
The mortgage house purchase income certificate requires you to provide a monthly income that is more than twice your monthly repayment.
If your income is too high but your turnover does not match, you need to provide additional proof of assets, including bonds, banks, vehicle purchase certificates, personal income tax certificates, etc.
If the applicant is married and one person's income certificate is less than the monthly payment, the husband and wife can issue income certificates for the loan together. If the conditions are met, the bank can also approve it after the conditions are met.
If you bought the house with your parents, it will be the names of both people on the contract. Then the party involved can be the primary lender, and the parents, as subprime lenders, do a portion of the borrowing.
Notes:
1. When issuing income certificates, pay attention to the format required by the bank.
2. The income certificate must be stamped with a "fresh seal", which means that a photocopy of the income certificate is invalid. (A fresh seal refers to a seal that is stamped with ink on companies, schools, hospitals and other units or individuals when signing documents to represent their units and individuals. It is not a copied seal.)
3. Part Banks do not recognize financial seals, so the seal should be the official seal or personnel seal of the unit. And it must be a medal.
4. The income certificate can be pre-tax income.
5. Annual income should be the total of basic salary, bonuses, benefits, etc. within one year.
Private owners also need to find the company's financial or personnel income certificate. The business license cannot replace the income certificate. The contact person cannot write himself, it must be finance or personnel.
If you are a freelancer, you also need to provide proof of income, which cannot be replaced by deposit slips, etc. Because the income certificate is almost always required to be provided to the bank, liquidity and deposits are only used to verify the authenticity of the income certificate and cannot be replaced.
False income certificates are income certificates that do not conform to the actual situation of the employer or the actual situation of the employees of the unit, and include three conditions:
1. The employer issues an income ratio for its employees. Proof that the actual income is higher;
2. The employer issues proof that the income of its employees is lower than the actual income;
3. Proof of false income for non-employee employees prove.
False "proof of income" is not only an unethical behavior, but also brings huge risks to buyers. In individual cases, if the bank does not pass the review, the buyer will not pass the review. On the other hand, the repayment pressure is greater and the monthly repayment cannot be paid in the end, which has nothing to do with the developer and the bank. The risk of fraud rests with the buyer. Falsifying proof of income for a home purchase loan is a contract fraud. The legal risk is that the bank can request to cancel the loan contract on the grounds of fraud.
Extended information:
Income certificate issuance process:
First go to the unit’s human resources department to issue the certificate
Go to the unit’s finance department to issue the certificate Proof
Go to the unit office to have the official seal stamped.