In our country, it is necessary to issue a proof of income when lending in financial institutions, because financial institutions need to ensure that borrowers have the economic ability to repay, and banks will not lend without proof of income. 1. How to prove the income of provident fund loans? The personnel department is generally responsible for the wage certificate that needs to go to the work unit to issue provident fund loans. It should be noted that some friends have already left their jobs or just joined a new company when they apply for loans. In this case, the bank will generally not agree to your loan request. Therefore, friends who want to apply for provident fund loans should not easily jump ship before the loan. For self-employed people who can't issue salary certificates, they can explain the situation to the bank, and the bank will make an auxiliary proof of repayment ability. The requirements for filling in the salary certificate of provident fund loan are as follows: 1. The salary amount shall be truthfully filled in, and the amount filled in shall be subject to the actual salary; 2. Try to use printed copies of income certificates to avoid mistakes; 3. The original salary certificate must be provided, that is, the company's seal must be bright red, and the copy (whether it is black and white or color printing) cannot be used; 4 must be stamped with the seal of the unit wage department or the official seal of the unit, and the subject name of the seal should be consistent with the name of the unit housing provident fund account; 5. The certificate was issued in the month or last month of the application date; 6. After deducting the monthly contribution of family members' provident fund, the monthly repayment amount of housing provident fund loans shall not exceed 50% of the family's monthly income, and the per capita residual income shall not be less than 3 times of Fuzhou's basic living security expenditure. Second, the conditions of provident fund loans 1, only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans, and employees who do not participate in the housing provident fund system cannot apply for housing provident fund loans. 2. If you participate in the housing provident fund system, you must also meet the following conditions to apply for a housing provident fund personal housing loan: that is, you must pay the housing provident fund continuously for not less than 6 months before applying for the loan. Because, if the employee's behavior of paying housing provident fund is abnormal and intermittent, it means that his income is unstable and he is prone to risks after issuing loans. 3. If one of the husband and wife has applied for a housing provident fund loan, both husband and wife shall not obtain a housing provident fund loan again before paying off the principal and interest of the loan. Because the housing provident fund loan is a kind of "housing security" financial support to meet the basic housing needs of workers' families. 4. When applying for a housing provident fund loan, the loan applicant must have a relatively stable economic income and repayment ability, and there are no other outstanding debts that may affect the repayment ability of the housing provident fund loan. When employees have other debts, it is risky to lend to housing provident fund, which violates the principle of safe operation of housing provident fund. 5. The term of the provident fund loan shall not exceed 30 years. For portfolio loans, the loan conditions of provident fund loans and commercial housing loans must be the same. Third, the provident fund loan inquiry tool uses the provident fund loan filter to learn more about the provident fund loan policy and repayment situation. Operating steps of provident fund loan inquirer: Step 1: Fill in the basic information of provident fund loan according to the prompt; When users apply for provident fund loans, when inquiring about provident fund loans, they need to choose whether to introduce a guarantee company to undertake phased guarantee responsibilities, whether it is a first-hand house or a second-hand house (introducing a guarantee company can enable the seller to obtain all the funds after the transfer); Step 2: After completing the above operation steps, the user clicks the "Query" button; In general, the borrower of provident fund loan needs the provident fund management center to undertake the guarantee when handling the provident fund loan, and the borrower needs to pay the guarantee fee. According to the law, it can be known that the salary certificate of provident fund loan needs to be issued by the work unit, which is generally the responsibility of the personnel department. Of course, you can also entrust others to issue it to the employer.

Legal objectivity:

Article 11 of the Interim Measures for the Administration of Personal Loans shall meet the following conditions: (1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state; (2) The purpose of the loan is clear and legal; (3) The amount, duration and currency of the loan application are reasonable; (4) The borrower has the willingness and ability to repay; (5) The borrower's credit status is good and there is no significant bad credit record; (6) Other conditions required by the lender. Article 26 of the Regulations on the Management of Housing Provident Fund stipulates that employees who have paid housing provident fund can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center. "Regulations on the Administration of Housing Provident Fund" Article 27 An applicant applying for a housing provident fund loan shall provide a guarantee.