A loan to buy a house requires proof of income. In order to prove an individual's repayment ability, banks generally require property buyers to provide 6 months or a year's bank flow. As for whether it will be open for half a year or one year, it mainly depends on the handling bank, and different banks have different requirements. At present, most banks require six months of bank liquidity.

How to open the income certificate of loan to buy a house?

Each bank has different requirements for proof of income. Some banks have a unified format, while others have no requirements. You can ask the loan bank in advance, and if there is a unified format, you can ask the bank to give a copy.

Generally, it is necessary to ask the human resources department of the unit to issue an income certificate, which includes the following items:

1. Write the other company clearly in the title. Like a bank.

2. Information of the attested person. This is to certify that XXX with ID number (XX) is an employee of our company.

3. Write your personal income clearly. This comrade works in XXX position of our company, with an annual income of XX million yuan.

4. Write clearly the purpose of the certificate. For example, this certificate is only used as a housing loan for employees, and it is not used for other purposes. This is to certify that.

5, write clearly the name of the unit. Including the full name of the unit, office address, contact telephone number, etc.

6. Write down the person in charge. This item is mainly for the convenience of the other party to verify.

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

Why do you want to open a housing loan income certificate?

1. In order to ensure the borrower's ability to repay the loan, the bank will evaluate it according to the contents of the income certificate, so the income certificate is one of the important basis for the personal loan credit acceptance investigation and approval decision. But generally only when applying for a commercial loan to buy a house, you need to issue a proof of income. You don't need to provide proof of income to apply for provident fund loans.

2. The personal income certificate provided by the company shall include the monthly average (or annual average) income, the official seal of the company and personal basic information, etc. The annual income should include the sum of basic salary, bonus and welfare within one year, and deduct personal income tax and insurance premium. If the income is pre-tax, it needs to be counted as the average monthly income after deducting personal income tax. If you have additional asset certificates such as bonds and bank deposits, you can provide them to the bank, which will increase your loan qualification and help to approve loans.

3. Personal income certificate includes salary (generally refers to the total annual income), a copy of pension insurance payment, self-owned property certificate, private vehicle certificate, etc. Besides mortgage, visa, bank loan, credit card, etc. Generally, the parties are required to issue a certificate to prove their economic income.