Unemployed people can provide proof of deposit if they have deposits; If not, you should go to a bank with income to apply for a running list, which can prove that you have continuous income. The loan bank's ability to repay the buyer's loan is more than 50% of the buyer's net income.

Second, analysis

The function of income certificate is to prove that everyone has a stable source of income and can repay in full and on time. So no company friend can provide other proof.

3. What problems should be paid attention to when issuing income certificates?

1, the income certificate should not only clearly state the income, but also pay attention to social security and provident fund, because the payment time of social security and provident fund is the best proof of the buyer's working time, so the time to fill in the buyer's working time can match the time of social security and provident fund;

2. When issuing the income certificate, the lender shall fill in it according to its actual income. Lenders are engaged in sales and finance in first-tier cities, and their income can be filled higher, as long as the lenders can afford the repayment amount in the future;

Before applying for a loan, the lender should go to the bank to print the personal credit report. Every time a lender provides proof of income to a financial institution, it will be reflected in the personal credit report. When some property buyers apply for a loan to buy a house, it is not the first time to open an income certificate, and the information provided will be inconsistent with the previous information.