Loan is a common behavior in modern society. Buying a house requires loans, buying a car requires loans, and starting a business also requires loans. Generally, when the amount of funds needed exceeds your savings, you will choose a loan. Consumption in advance has become a daily behavior of modern people, and there are many proof materials needed to handle a loan, such as income proof and identity proof. Do you need proof of income for the loan? Let's take a look with Qijia. Com experts.

1. Do I need proof of income for the loan?

Loans must have proof of income, because loans need to determine the loan amount, monthly repayment and so on. Without proof of income, it is impossible to confirm it better. Proof of income is an important proof to verify the borrower's repayment ability. Once the income is not enough to repay the loan, it will bring great risks to the lending financial institution, so it is necessary to issue an income certificate.

Second, which is the best way to choose a housing loan?

1, commercial loan

Commercial loans are loans applied to commercial banks. The amount of loans that can be applied for is relatively high. Generally speaking, in addition to the down payment, the rest of the house can be loaned. For example, if the purchase price is 6,543,800 yuan, the buyer only needs to pay a down payment of about 300,000 yuan, and the remaining 700,000 yuan can be applied to the bank. The commercial loan interest rate is relatively high, which is 654.38+00-20% higher than the benchmark interest rate.

2. Provident fund loans

Provident fund loans require buyers to deposit housing provident fund before they can apply. They all apply to the provident fund management centers around the country and are loans entrusted by banks. The loan interest rate is relatively low, and it is implemented according to the benchmark interest rate or preferential interest rate. However, due to the limitation of quota and years, it will also be affected by the years and balance of provident fund deposit.

Editor's summary: The above is an introduction about whether the loan must have proof of income. I hope what Bian Xiao shared can give you some reference. If you want to know more, you can pay attention to our family. Com for consultation.

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