When buying a house to apply for a loan, the bank usually asks the borrower to provide proof of income. Some people think that the higher the income, the better. Actually, it's not. It's very risky. So how to open a proof of income when buying a house? Here is a sample of proof of mortgage income for everyone.
Demonstration proof of mortgage income
This is to certify that _ _ _ _ _ _ _ _ is an employee of our company and holds the post of _ _ _ _ _ _ _ _ _ _ _. So far, the total income in the past year is about _ _ _ _ _ _ yuan.
This is to certify that.
This certificate is only used to prove the work and salary income of our employees, and it is not used as a guarantee document for employees under any circumstances.
Stamps:
Date: _ _ _ _ _ _ _ _ _ _ _ _ _
Proof of housing loan income: It is a kind of proof of economic income that China citizens need in their daily production, life and business activities. Generally, when applying for visas, bank loans, credit cards, etc., it is required to be issued by the parties.
Questions and answers about the proof of mortgage income;
Q: What is proof of income? What is the purpose of proof of income?
Answer: The proof of income is a kind of proof of economic income that China citizens need in their daily production, life and business activities. Generally, when handling visas, bank loans, credit cards, etc. They will be required to be issued by the relevant units.
It is one of the main reference contents when handling house mortgage, which directly reflects the repayment ability of the handler.
Q: Do I need proof of income to buy a house in full?
A: You don't need proof of income, just proof of newly purchased housing. Q: How much should I write in mortgage to buy a house's income certificate?
A: The proof of income requires that your monthly income is more than twice your monthly repayment. If the personal income certificate is above 1 10,000 yuan, you need to provide some additional asset certificates.
Asset certificates include bonds, bank deposits, vehicle purchase certificates, personal income tax certificates, etc.
Q: Does the bank only refer to the salary on the income certificate?
A: If the applicant is married, and the income certificate of one party is lower than his monthly payment, both husband and wife can apply for a loan with the income certificate. After meeting the requirements, the bank can also examine and approve. In addition, the family also has some other assets, such as large deposits, bonds, real estate and so on. It can also be used as proof of income, and banks will generally make reference.
Q: What should I do if the amount of personal income certificate does not meet the loan quota requirements?
A: If you buy a house with your wife or parents, that is, the names of two people are written on the purchase contract. Then, both parties can participate in the loan as primary lenders, and the wife/parents can participate in the loan as secondary lenders.
Q: What are the precautions for issuing income certificates?
First: Pay attention to the necessary format when issuing the income certificate.
Second: the income certificate must be stamped with a "fresh stamp", that is, the copy of the income certificate is invalid.
Third: the seal must be the financial seal or the official seal of the unit. And it must be a round stamp.
Fourth: the annual income should be the sum of basic salary, bonus and welfare within one year, excluding personal income tax and insurance premium.
Q: What if there is no income certificate issued by the unit?
Answer: If private owners can't produce proof of income, they need to provide business license, tax registration certificate, tax payment certificate (continuous tax payment time varies from place to place) or bank deposit receipt for the last six months. If you are a freelancer, if you have a deposit, you can provide proof of deposit; If not, you should go to a bank with income to apply for a running list, which can prove that you have continuous income.
Q: I am a local registered permanent residence, and I am a freelancer. I have no income certificate. Mr. Wang is a non-local registered permanent residence, and can issue income certificates for non-local work and bank running water. Excuse me, the commercial loan of the bank can be my main lender. Is he the same borrower? Or must he be the main lender (because I have no proof of income)?
A: He must be the main lender, because he has proof of income and you have no proof of income. According to the purchase restriction policy, foreign accounts need to have a social security or tax payment certificate of 1 year to buy a suite. You must ensure that your husband meets the above conditions before you can buy a house with you.
Q: Is it risky to issue false income certificates?
"proof of income" is an important procedure for buyers to purchase houses by mortgage. In order to promote the house, some real estate sales staff strongly encouraged the buyers who were unable to repay the loan to open false "proof of income" to get away with the bank audit, but the buyers thought it was the "kindness" of the sales staff. False "proof of income" is not only an immoral fraud, but also brings great risks to the buyers themselves.
The so-called false income certificate refers to the income certificate issued by the employer for its employees or non-employees that is inconsistent with the actual situation. Including three situations: first, the employer issues a certificate that the income is higher than the actual income for the employees of the unit; Two, the employer issued by the employee income is lower than the actual income certificate; Third, issue false income certificates for non-employees
For individuals, if they are finally caught by the bank and cannot pass the audit, it is a breach of contract for the buyer to ask for a return; On the other hand, the repayment pressure is high. If you can't pay the monthly payment in the end, it has nothing to do with developers and banks. The risk of fraud is entirely borne by the buyer. Buying a house with a loan and issuing a false income certificate belong to contract fraud, and the legal risk is that the bank can request to terminate the loan contract on the grounds of fraud.
How to write the template of mortgage income certificate? Just look at it.
As we all know, when you apply for a mortgage, you need to provide a lot of proof materials to the bank. Proof of work income is one of them and it is also necessary. After all, it is related to your repayment ability. Some banks may directly provide income proof templates, while others may not. If not, you need to prepare your own income certificate, and then find the unit to stamp for confirmation. Here is a brief introduction to how to write the mortgage income certificate template.
1. How to write the mortgage income proof template?
The basic contents of the income certificate template generally include personal name, ID number, employment time, professional title, company name, company contact number, company office address, average monthly income or average annual income, among which income and company seal are the most important. Do not exaggerate income or cheat with fake seals, and prove that the content is as realistic and pragmatic as possible.
Two. Matters needing attention in proof of mortgage income
1, if the average monthly basic income is not high, you can add the dividends at the end of the year or the usual bonuses to represent the average annual income;
2. People who have not been employed for a long time can simply omit this item and replace it with a regular employee, which can also explain the stability of the work;
3. The job position is based on the actual position you are currently promoted to, not to mention some previous initial positions;
4. If individual industrial and commercial households fail to register for tax, they may ask the tax bureau to issue a personal tax income certificate for fear that the bank will deny it.
III. Reference to the template of mortgage income certificate
This is to certify that _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
Official seal of the unit:
Unit contact telephone number:
Unit office address:
Date, year and month
The above is about how to write the mortgage income proof template, I hope it will help you.
A loan to buy a house requires proof of income. It is better to have a specific format, thank you.
This agent will give you a copy.
It is generally like this: in the middle of the beginning is the "proof of income"; The text is:
_ _ _ _ _ Bank:
This is to certify that Mr/Ms _ _ is __( 1. Regular workers II. Contract worker 3. Temporary worker), has worked for _ _ _ years, and the position is _ _ _ _, and the current monthly salary is _ _ _ yuan.
Contact number
contacts
name of the company
Company address
When filling in the horizontal line, all the contents should be filled in, and it is written by the same person. Generally, it is to find the personnel department (our company is a foreign company), and the type of work is generally to fill in the formal work. Finally, it must be stamped with the official seal of the company.
How does mortgage to buy a house open an income certificate?
Now almost all property buyers will choose mortgage to buy a house, and the income certificate is one of the main reference contents when handling the mortgage of buying a house, which directly reflects the repayment ability of the person who handles it. However, many people's income proved to be "unqualified", so the bank refused to issue loans. Below is a sample of mortgage to buy a house's income certificate.
How does mortgage to buy a house open an income certificate?
Write clearly the information of the other party's unit and reference, clarify the personal income, the purpose of proof, the name and contact information of the work unit, the information of the agent, the additional information such as year, month and year, the name of the unit and department, and finally affix a special seal.
Demonstration proof of mortgage income
Van ibn
Personal income certificate:
This is to certify that _ _ _ _ _ _ _ _ is an employee of our company and has worked in our company for _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _. In the past year, the average monthly income (after tax) of this employee in our company was RMB _ _ _ _ _ _ _ (in words: RMB _ _ _ _ _ _ _ _ _). The employee's physical condition is _ _ _ _ (good, poor).
We hereby guarantee that the above certificate is correct and true. If the above certificate is inconsistent with the facts and causes economic losses to your bank, our bank promises to bear all legal responsibilities such as compensation.
Hereby certify that
Official seal of unit
_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
Unit name:
Unit address:
Unit phone number:
Handler:
Matters needing attention in mortgage to buy a house and the process of buying a house by loan
Model 2
profit and loss statement
This is to certify that he is an employee of xx-x Company with an annual income of XXX yuan.
Human income certificate (official seal)
_ _ _ _ _ _ _ branch of Agricultural Bank of China:
_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
The above contents are true and correct, and our unit shall bear corresponding legal responsibilities.
Official seal of unit
_ _ _ _ _ _ _ _ _ _ _
Remarks:
1, full name of the company
2. Legal address
3, the unit personnel (labor) department head's name
4. Contact phone number
Sample demonstration
Xiaoming is going to apply for a housing loan:
If this loan is all of Xiaoming's debts, the sum of Xiaoming's and his spouse's monthly income must be 14000 yuan according to the monthly debt expenditure of Xiaoming's house loan of 7000 yuan.
If Xiaoming has other debts to pay besides this mortgage, and his monthly expenditure on all debts is 65,438+00,000 yuan, then the sum of the monthly income of Xiaoming and his spouse must be greater than or equal to RMB.
What are the precautions for issuing income certificates?
1, pay attention to the necessary format of income proof.
2. The income certificate must be stamped with a "fresh stamp", that is, the copy of the income certificate is invalid.
3. The seal must be the financial seal or the official seal of the company. And it must be a round stamp.
4. The annual income is the sum of basic salary, bonus and welfare within one year, excluding personal income tax and insurance premium.
What is the model form of proof of housing income?
certificate
This is to certify that xxx is an employee of our company, who has worked in our company for many years continuously, with a degree of graduation, and is currently working in our company. In the past year, the average annual/monthly income of this employee in our company was RMB (after tax) (in words: RMB 10,100 only).
Hereby certify that:
Unit name.
Year month day.
Generally, it is necessary to ask the human resources department of the unit to issue an income certificate, which includes the following items:
1. Write the other company clearly in the title. Like a bank.
2. Information of the attested person. This is to certify that XXX with ID number (XX) is an employee of our company.
3. Write your personal income clearly. This comrade works in XXX position of our company, with an annual income of XX million yuan.
4. Write clearly the purpose of the certificate. For example, this certificate is only used as a housing loan for employees, and it is not used for other purposes. This is to certify that.