The income certificate is the monthly income based on the salary payable on the payroll plus the deducted five insurances and one gold, plus the performance salary.

Second, increase knowledge: what is the use of income proof when buying a house with a loan?

Property buyers need to submit some loan information to the bank when applying for housing loans, among which proof of income is essential. Some friends don't know how much to fill in the income column when preparing the income certificate, and they don't know what impact the income certificate has on the housing loan. So, what is proof of income? What is the use of proof of housing loan income?

Property buyers need to submit some loan information to the bank when applying for housing loans, among which proof of income is essential. Some friends don't know how much to fill in the income column when preparing the income certificate, and they don't know what impact the income certificate has on the housing loan. So, what is proof of income? What is the use of proof of housing loan income?

1. What is the proof of income?

The income certificate is generally issued by the borrower's unit and stamped with the official seal of the unit. It is the proof of economic income that China citizens need in their daily production, life and business activities. The work income certificate generally reflects the borrower's work unit, position, working years and salary income, and has a certain format.

Income proof is another important basis for banks to examine users' repayment ability when applying for loans. Whether the person who is going to buy a house with a loan is really able to pay off the mortgage and whether he will default on the loan can be reflected in the income certificate. The bank will judge whether he can lend the applicant a house according to the income certificate.

Second, what is the use of proof of income from house purchase?

1, bank appropriation reference

The proof of income will directly affect the approval of the loan bank. If the applicant is married and a person's income certificate is lower than his monthly payment, both husband and wife can apply for a loan at the same time. After meeting the requirements, the bank can also examine and approve. In addition, some other assets of the family, such as large deposits, bonds, real estate, etc., can also be used as proof of income, which banks generally refer to.

2. Reflect the borrower's repayment ability.

Generally speaking, the income certificate needs to be stamped with the official seal of the company and issued by the party concerned. It is one of the main reference contents when handling the mortgage of house purchase, which directly reflects the repayment ability of the handler. In daily production, life and business activities, proof of economic income is generally needed to apply for visas, bank loans, credit cards, etc.

3. The basis of loan credit investigation

The proof of housing loan income is fair, and the complete, true and reliable proof of wage income is one of the important basis for personal loan credit acceptance investigation and approval decision. The Guidelines on Risk Management of Commercial Banks' Real Estate Loans issued by the CBRC stipulates that commercial banks should judge the rationality of borrowers' current income and the impact of future industry development on income level through the information of borrowers' age, education, working years, occupation and working years.

Third, the higher the income, the better?

The income certificate should actually be filled in according to the actual income. Of course, it is not all the so-called "seeking truth from facts". Specifically, the applicant needs to grasp a certain degree and fill it out reasonably.

Applicants need to consider their own work situation and the economic situation of their workplace. If you are an employee in the sales, finance and other industries in a first-tier city, you can appropriately write a higher income, as long as you can ensure that you can afford money every month in the future. Of course, the premise is that it must conform to its own bank flow.

When issuing an income certificate, don't fill in the income at will, put honesty first, and don't change the data such as income at will, otherwise there will be the risk of canceling the loan.

I introduced the importance of buying a house with a loan and the relevant information of income proof here. We must pay attention to honesty when issuing income certificates, and we must not change the income data at will, otherwise there is a danger of exempting the loan contract. I hope the knowledge I have summarized can help you.

Third, the loan to buy a house, the income certificate and the bank running bill salary should be consistent?

Need proof of income and bank flow.

1, bank flow. Generally speaking, personal banking flow includes transaction details, account consumption, transfer, online banking, telephone recharge and so on. If it is a salary card, it also includes monthly salary and personal income tax paid by the bank.

2. The proof of income is an important proof of the repayment ability. Therefore, the higher the actual number, the better the loan; But if the bank flow is inconsistent with the income certificate and the difference exceeds a certain standard, then;

3. The difference between the bank's running water and the income certificate is different from the bank's standard, and some are 1 000. Some banks also confirm the authenticity of the income certificate at the same time, while others determine the standard of checking the running water according to the customer's asset status. If it is better, the standard will be higher accordingly.