Generally, you don't need to open a work certificate to buy a house with a loan, but you can open an income certificate. Proof of income can prove personal income and the work of the lender. However, some banks require lenders to provide proof of work. In this case, it is necessary to issue them according to the loan information required by the lending bank.

Information needed to buy a house with a loan

Property buyers should prepare the following materials in advance when handling loans to buy a house:

1, individual housing loan application;

2. Copy of identity documents (resident identity card, residence booklet, military officer's card, passports of overseas and foreign natural persons who have the right of abode in Chinese mainland, family visit cards, home visit cards and other residence documents or other identity documents);

3. The borrower's certificate of stable economic income or other proof of solvency issued by the competent department recognized by the handling bank;

4, the legal purchase of housing contracts, agreements and related approval documents;

5. List of collateral or pledge rights and ownership certificate, certificate of consent to mortgage or pledge issued by the person deprived of rights, and collateral evaluation report issued by an evaluation agency recognized by the loan bank;

6. The written commitment to provide guarantee issued by the guarantor and the credit certificate of the guarantor;

7. The borrower intends to provide the loan bank with bank deposit certificates, voucher-type treasury bonds and other securities for pledge;

8. Relevant certificates of the borrower's self-raised house purchase funds;

9. House sales (pre-sale) license or real estate license (existing house) (copy);

10. If the borrower's spouse applies for a loan together with them, the relevant information of the spouse shall be clearly filled in the loan application form, and the marriage certificate and household registration book shall be presented;

1 1. Other documents and materials required by the lending bank.

The above information is for reference only. Different regions and different banks may have different requirements, which shall be subject to the actual loan bank requirements.

The basic process of buying a house with a loan

1. The borrower needs to go to the bank to know the relevant situation. And apply for individual housing loans with all relevant materials.

2. Accept the bank's review of the borrower and determine the loan amount.

3. The loan contract can be handled, and the insurance is handled by the bank. Handle the registration and notarization of property right mortgage.

4. For bank loans, the borrower repays the loan on a monthly basis and pays off the principal and interest after cancellation of registration.

Hejun Yuefu

on sale

Reference price: the average reference price is 6600 yuan/_

Address: Intersection of Wuzhen Street and Haojiazhuang Middle Road, Luzhou District, Changzhi City

Property telephone number: 400-8 18-0066 to 026958.

How to open a mortgage with a work certificate?

1, fill in the income should be consistent with the actual situation, do not exaggerate. As loan auditors, they evaluate your income according to the average income of industries and positions in your area. It's unbelievable to exaggerate your income. Loan examiners are trained to be critical. As long as the information you fill in is slightly inappropriate, it will undoubtedly add to your loan road. Of course, the running water in the bank, as proof of your real income, will also be a powerful evidence to expose your lies. 2. Only by filling in the details can the credibility be improved. In addition to the name, ID number, position, income, salary statement and working time in the current unit, the work certificate should also include the company's commitment to the authenticity and accuracy of the information filled in, and indicate the address, contact number and signature of the person in charge of the unit, and finally affix the official seal. Don't stamp the work certificate at will. Different seals have different legal effects. The work certificate can only take effect if it is stamped with the official seal or the seal of the human resources department. 4. The entry time on the work certificate should be consistent with the establishment time of the company and the payment time of the social security accumulation fund. 5. The contents of the work certificate should be consistent with the information of the previous loan application. When reviewing information, banks or other lending institutions will inquire about customers' credit information, including your previous loan information. Legal basis: Article 669 of the Civil Code of People's Republic of China (PRC) concludes a loan contract, and the borrower shall provide the true information about the business activities and financial status related to the loan according to the requirements of the lender. Article 671 Where the lender fails to provide the loan on the agreed date and amount, thereby causing losses to the borrower, it shall compensate for the losses. If the borrower fails to collect the loan according to the agreed date and amount, it shall pay interest according to the agreed date and amount.

How to open the income certificate of buying a house with a loan?

The proof of income needs to include the following points:

1. Write the name of the reference clearly in the title.

2. The information of the attested person, ID number and the time when he became an employee of the company.

3. Write clearly the position and income of the reference.

4. Write clearly what form the income will be distributed.

5, write clearly the name of the unit.

6. Write down the agent clearly, mainly for the convenience of the other party to verify.

7. Write down the name of the year, month, day, unit and department, and affix the special seal.

It should be noted that the income proof mode generally refers to monthly income, but all refers to after-tax income, including wages, bonuses, allowances, housing provident fund and other after-tax income.

You can't issue more proof of income. Some people don't meet the income requirements, so they want to muddle through by forging income certificates.

The consequences of handling false income certificates are very serious.

First of all, for the borrower, if he is caught by the bank for issuing false income certificates, he will not pass the loan review and will bear legal risks in serious cases. Even if it is approved, the house will face the possibility of being repossessed by the bank in the face of repayment pressure in the later period.

The more serious consequence is that borrowers use false income certificates to defraud bank loans and are also suspected of defrauding loans.

The provisions in the criminal law are: fixed-term imprisonment of not more than three years or criminal detention, with or without a fine; Whoever causes particularly heavy losses to banks or other financial institutions or has other particularly serious circumstances shall be sentenced to fixed-term imprisonment of not less than three years but not more than seven years and shall also be fined.

Extended data

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 need to issue proof of the economic income of the parties concerned.

Matters needing attention

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 official seal of the unit. And it must be a round stamp.