What should I pay attention to when opening a house purchase income certificate?
1. Make sure the information is true and valid.
Banks don't allow borrowers to cheat. When issuing the income certificate, the borrower must ensure that his identity information is completely consistent with the information on the income certificate. It's best to put these details into details such as personal name, ID card, position, age, mobile phone number and address, because banks will focus on these aspects.
Don't exaggerate your income.
Some borrowers will issue higher income certificates in order to get loans smoothly. If you have this idea, you are all wet. Proof of income cannot be too high or too low. The general requirement is to meet the income level of the city, the income level of the industry, the income level of the company and the level of the post. And it should be a little more than twice the monthly repayment amount of the bank, so that the loan will basically not be refused. High income proves that banks can easily find and refuse loans, and it is also easy to be ignored by everyone.
3. Use a uniform format
Different banks have different requirements for the format of income certificates. Some banks have uniform regulations on the format of income certificates, while others do not. Therefore, when issuing the income certificate, you still need to ask the loan bank for details.
4. Highlight key points and avoid triviality.
When issuing proof of income, buyers should pay attention to the content. The content of the income certificate is not much, but it should be precise, and try to highlight the key points. For example, in addition to basic information such as name, age and position, information with high gold content such as stock dividends can be highlighted and stamped with the official seal of the company. Note that it must be a "fresh seal" and the copy is invalid.