1, proof of income when buying a house Loan is a kind of proof of economic income that people need in their daily production, life and business activities. 2. Generally, when handling visas, bank loans, credit cards, buying houses, etc. You will be asked to issue a proof of the economic income of the party concerned.

Increase knowledge: what is the use of income proof when buying a house with a loan?

Property buyers need to submit some loan information to the bank when applying for housing loans, among which proof of income is essential. Some friends don't know how much to fill in the income column when preparing the income certificate, and they don't know what impact the income certificate has on the housing loan. So, what is proof of income? What is the use of proof of housing loan income?

Property buyers need to submit some loan information to the bank when applying for housing loans, among which proof of income is essential. Some friends don't know how much to fill in the income column when preparing the income certificate, and they don't know what impact the income certificate has on the housing loan. So, what is proof of income? What is the use of proof of housing loan income?

1. What is the proof of income?

The income certificate is generally issued by the borrower's unit and stamped with the official seal of the unit. It is the proof of economic income that China citizens need in their daily production, life and business activities. The work income certificate generally reflects the borrower's work unit, position, working years and salary income, and has a certain format.

Income proof is another important basis for banks to examine users' repayment ability when applying for loans. Whether the person who is going to buy a house with a loan is really able to pay off the mortgage and whether he will default on the loan can be reflected in the income certificate. The bank will judge whether he can lend the applicant a house according to the income certificate.

Second, what is the use of proof of income from house purchase?

1, bank appropriation reference

The proof of income will directly affect the approval of the loan bank. If the applicant is married and a person's income certificate is lower than his monthly payment, both husband and wife can apply for a loan at the same time. After meeting the requirements, the bank can also examine and approve. In addition, some other assets of the family, such as large deposits, bonds, real estate, etc., can also be used as proof of income, which banks generally refer to.

2. Reflect the borrower's repayment ability.

Generally speaking, the income certificate needs to be stamped with the official seal of the company and issued by the party concerned. It is one of the main reference contents when handling the mortgage of house purchase, which directly reflects the repayment ability of the handler. In daily production, life and business activities, proof of economic income is generally needed to apply for visas, bank loans, credit cards, etc.

3. The basis of loan credit investigation

The proof of housing loan income is fair, and the complete, true and reliable proof of wage income is one of the important basis for personal loan credit acceptance investigation and approval decision. The Guidelines on Risk Management of Commercial Banks' Real Estate Loans issued by the CBRC stipulates that commercial banks should judge the rationality of borrowers' current income and the impact of future industry development on income level through the information of borrowers' age, education, working years, occupation and working years.

Third, the higher the income, the better?

The income certificate should actually be filled in according to the actual income. Of course, it is not all the so-called "seeking truth from facts". Specifically, the applicant needs to grasp a certain degree and fill it out reasonably.

Applicants need to consider their own work situation and the economic situation of their workplace. If you are an employee in the sales, finance and other industries in a first-tier city, you can appropriately write a higher income, as long as you can ensure that you can afford money every month in the future. Of course, the premise is that it must conform to its own bank flow.

When issuing the income certificate, don't fill in the income at will, put honesty first, and don't change the data such as income at will, otherwise there will be the risk of canceling the loan.

I introduced the importance of buying a house with a loan and the relevant information of income proof here. We must pay attention to honesty when issuing income certificates, and we must not change the income data at will, otherwise there is a danger of exempting the loan contract. I hope the knowledge I have summarized can help you.

How to open the income certificate of house purchase loan

First, how to prove the income of housing loan? Under normal circumstances, with the purchase agreement initialled with the developer, I go to the unit to find the competent department, some to find an accountant, some to be the financial supervisor or the leader in charge of this aspect. As long as you sign an employment agreement with the company, it will generally not be difficult for you. It's best to print out the payroll for the bank to review. If you are self-employed, you only need to provide your business license and tax-paid invoice. Connotation of personal income certificate: including salary (generally referring to the total income of the whole year), copy of pension insurance payment, certificate of own property, certificate of private vehicle, copy of large passbook, foreign exchange, bonds, gold securities account, large life pension dividend policy, etc. 2. Precautions for signing the income certificate first: Pay attention to the necessary format when issuing the income certificate. Second: the income certificate must be stamped with a "fresh stamp", that is, the copy of the income certificate is invalid. Third: the seal must be the financial seal or the official seal of the unit. And it must be a round stamp.

How to open the income certificate? You need to do this when applying for a house loan!

In the process of applying for a loan to buy a house, proof of income is a very important material. If there is a problem with the income certificate, the bank will ask the buyers to increase the down payment, and then directly refuse the loan. So how should property buyers prepare proof of income?

In the process of applying for a loan to buy a house, proof of income is a very important material. If there is a problem with the income certificate, the bank will ask the buyers to increase the down payment, and then directly refuse the loan. So how should property buyers prepare proof of income?

1. What is the proof of income?

The income certificates required by major banks are similar. Generally speaking, three items are essential: wage income, other income and total after-tax income. Wage income should be mainly displayed in the daily account. It should be noted that if there is a job list on the income certificate and you are just an ordinary employee, then the income is within the scope of your industry; Other income can be printed in water; The total income after tax makes the total monthly income reach more than 3 times of the total monthly repayment, but don't fill it too high.

Remind buyers that some buyers will have the company name on the printed salary flow, so it must be noted here that the company name displayed on the official seal on the cover of the income certificate must be consistent with the company name on the flow.

Second, what should I pay attention to when writing income certificates?

1, the basic information must be consistent with my own information.

Property buyers must ensure that their identity information is exactly the same as the information on the income certificate when filling in the income certificate. These details can be implemented in small details such as age, mobile phone number and address, and banks will focus on these aspects.

2. Don't fill in the income too high.

The higher the income, the easier it is to get a bank mortgage? If you have this idea, you are all wet. If your income is several times the local average income level of your position, you may be refused a loan. Therefore, I suggest that property buyers should have a factual basis when filling in the income certificate, so as not to cause the bank to suspect that you are suspected of fraudulent loans and be blacklisted.

3. The proof of income need not be too complicated.

Some property buyers will write all kinds of income in order to ensure that their certificates are "very good-looking", but the income certificates are mainly detailed. After all, banks see long-term gains, not uncertain windfalls.

4. Don't neglect five insurances and one gold.

If you plan to buy a house, a provident fund loan can save you a lot of housing costs. Even if you can't buy a house with a provident fund loan, it is very helpful for you to apply for a commercial bank mortgage by adding a deposit record of five insurances and one gold to your income certificate. So don't neglect your income.

5. Don't forge proof of income.

Some people have poor conditions, but in order to successfully win the mortgage, they forged income certificates and other materials and tried to deceive them through fake materials. But this kind of behavior is illegal, and the consequences are very serious: once it is found out by the bank, even if you have got the bank loan, it will be taken back, and if it is more serious, you will have to bear legal responsibility.

Finally, it is necessary to remind the buyers that the income certificate mainly reflects our repayment ability and is only an important auxiliary material for the bank to review our qualifications. Don't be discouraged if you don't have proof of a fixed income. You can also apply for a mortgage loan, as long as you can also provide proof of your repayment ability.

How to buy a house for your own business loan?

You are a property mortgage. In your case, there are two ways to issue proof of income:

1, do you have your own official seal? If there is, just stamp the official seal on the bank's income certificate.

2. Income certificate is a certificate issued by a person who has a job to prove his monthly income. If you run your own business, you can provide a business license. To apply for a mortgage loan, you need to provide proof of the income of the purchaser. If there is no proof of income, you can provide a business license. The materials needed to apply for mortgage loan include: ID card, household registration book, marriage certificate, income certificate (business license), and the information of both husband and wife if married. The format of income certificate is generally as follows: personal income certificate. This is to certify that _ _ _ _ _ _ _ (Mr. or Ms.) is an employee of our company and has worked in our company for _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ Address of the company: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

Income proof is a kind of economic income proof that China citizens need in their daily production, life and business activities. Generally, when handling visas, bank loans, credit cards, etc. You will be asked to issue a proof of the economic income of the party concerned.

When applying for a credit card or handling other banking business, proof of income is an indispensable proof material.

Many people don't know what format the standard income certificate is when asking the unit to issue it, which leads to many income certificates being unusable. It is one of the main reference contents of the initial credit limit in credit card audit, which directly reflects the repayment ability of the handling personnel.

Reference link: Baidu Encyclopedia-proof of income