To buy a house now, many people will apply for bank loans, and banks will require applicants to provide corresponding income certificates when approving loans to confirm their repayment ability. In fact, income certificates are a must for applicants. A document that proves economic income. When banks review loans, they will use it as one of the important indicators to measure the applicant's repayment ability. For graduates who have just entered the society, their income level is not very high, so how do they get an income certificate for a home purchase loan?

Usually, banks will require the borrower’s income certificate. Monthly income is more than twice the sum of his monthly payments and other liabilities. The most common problem that graduates face when taking loans to buy a house is that their income does not meet the bank's requirements. When this happens, you can take the following methods to solve it.

1. Appropriately increase the down payment ratio

If you have sufficient funds on hand, you can actually reduce the amount of bank loan funds by appropriately increasing the down payment ratio and extend it as much as possible During the loan period, try to keep your monthly repayment amount within 1/2 of your monthly income.

2. Married people can get the same loan with their spouse

If the home buyer is married, he and his spouse can choose the same loan mode. For example, for a couple, one party's monthly salary is 12,000 yuan, and the other party's monthly salary is 8,000 yuan. If the monthly payment for buying a house requires 8,000 yuan, according to bank regulations, the monthly income amount on the income certificate needs to reach 18,000 yuan. In this case, if the income of one party is not enough, you can choose to have a separate loan, with one party serving as the primary lender and the other party serving as the secondary lender. It should be noted that the party with the younger age and higher income will serve as the primary lender. People can help smooth loan approval.

3. Provide part-time income statements

At present, except for occupations that are not allowed to work part-time by law, income from daily part-time jobs is included in the total income. When some banks approve loans, Approval will also be given, but the details will depend on the lending bank's policies. When choosing a lending bank, be sure to consult clearly in advance.

4. Guaranteed loan

When the monthly income on the income certificate does not meet the bank's requirements, you can also find a third party recognized by the lender to provide a joint and several liability guarantee. For example, some banks will accept loans guaranteed by parents and children. It should be noted that the guarantor must have fixed financial resources, sufficient repayment ability, and a certain amount of deposit in the lending bank; the guarantor and the creditor must enter into a guarantee contract in writing.

The above is the relevant introduction to the income certificate for home purchase loans for graduates. If you are worried that your income is too low to meet the bank's requirements, you can choose these methods to help get the loan approved. You can also consult the bank for details.