1. Will it be affected if the intermediary issues a false income certificate for a loan to buy a house?

If the intermediary provides a false income certificate, it will have an impact on the loan to buy a house. Buying a house with a deposit is indispensable without proof of expenditure. In addition to proving the individual's ability to pay, the income certificate will also have an important impact on the loan limit. After all, proof of payment can directly reflect the borrower's repayment ability. It is an important indicator to measure whether a borrower has the ability to repay, and is also one of the means for banks to control credit risks.

Similar to private business owners and freelancers, many people earn a lot of money but cannot provide proof of income. So is it impossible to apply for a mortgage? The answer is no, there is no income. Confirm that you can still apply for a mortgage.

In many places in life, we will use income certificates. Income certificates are the most commonly used when we apply for credit cards. For example, when you borrow money, income certificates directly reflect the borrower’s repayment. Repayment ability is an important indicator used to measure whether a borrower has the ability to repay. Generally, when applying for visas, credit cards, bank loans, etc., the parties will be required to provide relevant income certificates.

The impact and harm of issuing false certificates:

Issuing false income certificates is an act and requires legal responsibility. Once a loan with a false income certificate is discovered, the loan will be permanently rejected by the lending institution, and many lending institutions have shared information that it will be difficult for applicants with a false income certificate to obtain loans from other lending institutions.

Issuing false income certificates will affect the borrower’s personal credit record. Loans that produce bad credit records and issue false salary certificates will generally be found out. Because the lending institution can check the account flow through the bank, as long as it does not match up, it will know that the applicant is using fake salary certificates.

2. What should I do if I get a house loan but don’t have a proof of employment?

As a mortgage loan holder, when I took out a mortgage, my income certificate was issued casually at my work. There was no risk, it was just a formality. The bank is not linked to taxation and will not ask you to pay taxes. Yes, if your unit really doesn’t give it to you, you can ask a real estate agency to do so. My cousin-in-law is a migrant worker and is self-sufficient. He doesn’t have an income certificate, so he can ask a real estate agency to issue one.

The real risk is whether you will have the money to repay the loan on time.

3. In order to sell a house, a real estate agency induces a customer to provide false proof of income and obtain a mortgage. If the loan fails due to personal reasons, is the intermediary responsible?

In order to sell a house, a real estate agency induced a customer to provide false proof of income and obtain a mortgage. The loan was not granted due to personal reasons. Is the agency responsible? If no loan is successful, what responsibility does the intermediary have? There is probably something wrong with your credit report! You said that the intermediary induced you to make false claims. Do you have any evidence? Even if there is evidence, you still have to bear the responsibility. You know, the loan has not been successful anyway, so you can only act in accordance with the relevant contract!