Question 1: How good is the income certificate if the loan is100000? If the repayment period is 10 year, the monthly repayment is about 1.200 yuan and the annual repayment is1.5w.

According to the general repayment pressure, if your repayment amount does not exceed 0/3 of 65438+ income, then there is no pressure in your daily life; If it doesn't exceed 50% of your income, then your daily life is stressful, but it won't collapse. So you have to prove that your annual income is 3w~4.5w.

In fact, no one cares about your income, because the house is mortgaged and the mortgage loan has locked in the risk.

Question 2: how much income is appropriate to write on the income certificate of loan to buy a house? Generally, the repayment ratio is sufficient, and the income should be at least twice the repayment amount, which should match the wage flow.

Question 3: The proof of mortgage income is how many mortgages can be used to borrow provident fund loans. The maximum personal loan is 500,000 (supplemented). There is no upper limit for commercial loans (the loan amount varies according to income).

If you are in the first group, you can make a down payment of 70 *. 3 = 2 1 ten thousand, that is, you can make a down payment of more than 2 1 ten thousand. How much money you can borrow depends on your monthly income. If you borrow 450,000 yuan, and pay back about 3,369 yuan per month according to the business for 20 years, your income certificate needs at least 6,800 yuan. Generally, more than 6000 banks will make your bank run smoothly.

Question 4: How much should I fill in the salary amount in the income certificate? The proof of reasonable income is only used as proof of your house loan, so don't take it too seriously.

If there is a clear agreement on labor remuneration in the labor contract, if there is any dispute, the amount agreed in the labor contract shall prevail.

The income certificate issued by the employer you mentioned is not a labor dispute.

Question 5: Try to write the credit card income certificate. Because your company is required to provide proof of income.

Question 6: How much is the loan income certificate written by a regular bank? The process is as follows: First, the borrower needs to submit a series of materials to the bank except the ID card, including

(1) loan application approval form; (The lender shall fill in directly at the lending institution)

(2) proof of residential address; (Certificate issued by neighborhood committee or invoice for water and electricity payment)

(3) proof of work and income;

(4) Other information required by the bank.

Secondly, after the application materials submitted by the borrower are approved by the bank, the two parties sign a loan contract.

Finally, the bank issues loans to borrowers through transfer.

Question 7: How to issue proof of income for mortgage loan? How many banks are easier to open than income certificates? The bank has samples. You can borrow money from that bank. Your income must be twice the monthly repayment. If you borrow 350,000 yuan and the monthly repayment amount of commercial loan is 264 1.8 yuan, then your income certificate must be greater than .5283.6 yuan.

Question 8: Does it affect the company to issue more income certificates? It is legal risk for a company to issue an income certificate higher than its actual salary according to its employees' willingness to buy a house. Specifically, there is controversy about the compensation standard for employees' resignation. There are even cases where employees ask the company to reissue their wages with high income certificates.

Whether the income certificate issued by the unit needs to bear legal responsibility depends on the following aspects:

(1) For the judge, this is related to the details of the case. The rationality of the amount on the income certificate, the matching between the actual work nature of employees and this amount, and the time when the income certificate is issued will all have a certain impact on the final determination of the judge.

(2) As a lawyer, it is better to cross-examine the details when encountering similar evidence.

(3) As an HR, controlling such risks beforehand is far better than afterwards.

The specific way is as follows:

1, the best way is not to open a false certificate.

What is the actual income of employees? Give employees a proof of income. This is the best way to control risks.

2. Sign an agreement with employees to issue false income certificates, or require employees to submit applications.

If you are forced by various pressures to issue false income certificates to employees, it is best to sign an agreement for employees before issuing income certificates, stating the reasons for issuing income certificates, whether the amount on the income certificates is true, what is the actual income, what is the purpose of issuing income certificates for employees, and who will bear the responsibility if this income certificate brings losses to the company.

If you think it is troublesome to reach an agreement, you can ask this employee to submit a written application signed by himself, and the above contents can also be stated in the application. HR can stay in the file.

3 on the income certificate issued, indicate the purpose of the income certificate, and indicate that it shall not be used for other purposes.

Question 9: When applying for a loan, how much proof of salary income should be issued? Yes, the wage income certificate is issued by the unit and paid according to the actual average monthly salary. The unit is not allowed to cheat.

Question 10: How much is the proof of income from buying a house? Prepare a loan of 400,000 for 30 years. Thank you. The proof of income must be at least 2.2 times the monthly repayment. Only in this way can we meet the bank's loan regulations. If you pay a mortgage of 2,000 yuan every month, your income will be at least 4,400 yuan.

How much income does a bank mortgage need?

Under normal circumstances, if you apply for a bank mortgage, your income should be at least twice the monthly repayment amount. For example, if a customer applies for a mortgage and needs to pay back 5,000 yuan every month, then the income of this customer should be at least 10000 yuan/month. If the customer has other outstanding foreign debts, the bank will increase the requirements for the flow of customer income according to the regulations.

Banks are strict in the review of mortgage loans, and generally pay more attention to the following points of customers:

1, customer's credit.

2. Customer's income is mobile.

3. Customer debt ratio.

4. The age of the customer.

5. Did the customer pay the down payment as required?

If the customer's above qualifications meet the requirements, then you can apply for a mortgage from the bank. Of course, whether you can successfully apply for a loan depends on the comprehensive qualification of the customer.

In order to improve the success rate of bank mortgage as much as possible, customers can pay off other foreign debts before borrowing, or improve their income level. Don't apply for a mortgage unprepared to avoid being rejected by the bank.

How much should the income amount on the income certificate of housing commercial loan exceed? Do you need a personal income tax payment certificate or a detailed salary slip?

Generally speaking, the amount written on the income certificate is better than twice the monthly repayment amount of the mortgage. If the income really exceeds twice the monthly repayment amount, then you can use the salary slip or personal income tax payment certificate. If not, it is recommended to issue another certificate.

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 and credit cards, the parties will be required to issue them.

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.

Generally, when filling in, as long as the monthly repayment amount is lower than 50% of the main lender's salary (or the sum of the monthly salary of both husband and wife).

The mortgage is 880 thousand, 30 years. How much is the monthly income certificate?

The mortgage is 880,000 years, and the monthly income certificate needs more than 5,000.

Housing loan, also known as housing mortgage loan, is an application form for housing mortgage loan, ID card, income certificate, housing sales contract, guarantee and other legal documents filled out by the buyer to the loan bank. , must be submitted. After passing the examination, the loan bank promises the loan to the buyer, and handles the real estate mortgage registration and notarization according to the house sales contract provided by the buyer and the mortgage loan contract concluded between the bank and the buyer. The bank directly transfers the loan funds to the sales unit within the time limit stipulated in the contract.