Generally speaking, if a false income certificate is found, it will not go to jail. Although it is said that false income certificates are fraud and should bear legal responsibility, they have not yet reached the level of imprisonment. Because the purpose of using false proof of income is to buy a house, it is not illegal possession, but to get a loan smoothly, so there is no need to worry about breaking the law, as long as you can always maintain normal repayment, it does not involve imprisonment.

What if the proof of income from buying a house is not enough?

1. If you have sufficient funds on hand, you can actually reduce the loan amount to the bank by appropriately increasing the down payment ratio, and extend the loan period as much as possible, so that your monthly repayment amount is within 1/2 of your monthly income.

2. If the buyer is married, you can choose the mode of * * * loan with your spouse. For example, Xiao Wang and Xiao Zhang are husband and wife. In this case, Xiao Wang and Xiao Changcan chose to borrow money together. It should be noted that the younger party with higher income, as the main lender, is helpful for banks to approve loans.

3. At present, in addition to employees, soldiers, civil servants and other state-owned enterprises that are not allowed to take part-time jobs, in fact, everyone will also have some income in their daily part-time jobs. Everyone will print out this income certificate to the bank, and some banks will also recognize it when approving loans. Different banks have different regulations on the amount and flow of part-time income.

4. When the monthly income on the income certificate can't meet the requirements of the bank, you can also find a third party recognized by the lender to provide joint liability guarantee. For example, some banks will accept loans guaranteed by parents and children.

What problems should I pay attention to when issuing income certificates?

1, the basic information must be consistent with my own information.

When filling in the income certificate, the buyer must ensure that his identity information is completely consistent with the information on the income certificate. As long as they can implement small details such as age, mobile phone number and address, the bank will focus on these aspects. In addition, some people think that the more detailed the contents listed in the income certificate, the more they can prove or conceal the fact that the income is not high. The proof of income is not perfect, only the information that can prove your important personal information and repayment ability can be highlighted.

2. Don't fill in the income too high.

The income column in the certificate is not as much as you want to write, and the bank has to review it. If the income written does not match the local average income level of the position, the loan may be refused. Therefore, it is not that the higher the income, the easier it is to get loans. Property buyers should fill in the income according to the actual situation, and have enough evidence to prove the income, so as to avoid the bank suspecting that you are suspected of fraudulent loans.

3. Never cheat.

Some people have poor financial ability, but in order to get a smooth loan to buy a house, they forge income certificates and other materials and try to cheat them through fake materials. However, this kind of behavior is illegal and the consequences are very serious. Once found out by the bank, even if you have got the loan from the bank, it will be taken back, and if it is more serious, you will have to bear legal responsibility.