Buying a house with a loan after marriage requires two people's income certificates. Buying a house after marriage is under the names of two people, so it needs to be proved by the income of two people. But in fact, as long as the income of the main lender is sufficient, there is no need for the income certificate of the other party. After all, some families have only one party working.

What's the use of proof of income

1, reflecting the repayment ability of buyers.

The income certificate includes the fixed monthly income of the buyer, which is usually the basic part of the family income. The income certificate needs to be stamped with the official seal of the company and issued by the party concerned, so this certificate is very formal and useful. Income proof is a proof of economic income needed in daily production, life and business activities. It represents the borrower's repayment ability, not only when applying for mortgage, but also when applying for visa, bank loan, credit card, etc.

2, the bank loan approval basis

Personal income certificate intuitively reflects the repayment ability of buyers, and buyers with good repayment ability are liked by banks, so it will be easier to apply for loans. If the repayment ability is not enough, buyers will face the problem of low loan amount or being refused loans. Therefore, the proof of income will directly affect the approval of the loan bank. You can use some skills to apply for a bank loan. If the applicant is married and a person's income certificate is lower than his monthly payment, both husband and wife can issue income certificates at the same time, so that the amount will be more and the bank can approve it.

3. The basis of loan credit investigation

Usually, applying for a bank loan also involves personal credit information. If you apply for a loan with proof of income, the bank will also evaluate the repayment ability of the buyers, which shows that the proof of income is fair and can be used in many aspects. Therefore, a complete, true and reliable income certificate is one of the important bases for personal loan credit acceptance investigation and approval decision.