1. What is the proof of income?
Income proof is a kind of economic income proof that people need in their daily production, life and business activities. Generally, when handling visas, bank loans, credit cards, etc. You will be asked to issue a proof of the economic income of the party concerned. This income is generally after tax. Income proof generally includes: monthly income, salary, bonus, allowance, housing accumulation fund, share dividend and other income after tax. However, buyers need to be reminded that different banks have different income certificates, and some companies also have their own fixed income certificates. The specific situation needs to be seen.
Second, what is the income on the income certificate?
When filling in the income certificate of mortgage purchase, the amount must be twice the monthly repayment amount of mortgage. If you need to repay 3000 yuan a month, then your monthly income should be above 6000 yuan. Moreover, some banks have requirements on the format of filling in, so you must confirm the format with the docking bank before filling in. In addition, when looking for a unit seal, it must be the original, and a copy cannot be submitted. Some banks also strictly require that the official seal must be a circular seal.
3. What if there is no income certificate issued by the unit?
If you are a private self-employed person and have no official seal, you need to submit your business license, tax registration certificate, tax payment certificate or a six-month bank deposit receipt. 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.
In addition to the proof of income, the bank also requires the bank's running water for nearly 6 months. Bank running water is not considered effective because you have money to go in and out, but requires certain skills. So what kind of running water will be recognized? First of all, don't save it on the same day, or even visit it many times on the same day; Secondly, deposit the same amount at a fixed time every month, such as deposit 5000 yuan on the 8 th of each month; Finally, save more and take less, that is, the amount deposited each time is greater than the amount withdrawn.
So, if you have planned to buy a house with a mortgage loan soon, you can bear to resign! If you want to jump ship, wait! Because you need a salary? Making? A beautiful bank memo!
4. In addition to proof of income, what other materials can be provided as proof of repayment ability?
There are not many income certificates, so it is better to fill in more! You need to fill in the following two types of information: first, personal information, including personal name, ID card, position, payroll and length of service; 2. Company information, including company address, contact number, signature of the person in charge of the unit, and remember to affix the official seal.
Of course, it is not only personal income certificate and bank running water that prove personal financial resources. For example, large deposits, real estate licenses, bonds, automobile production and so on. Can be used as proof of repayment ability. If the family pays the mortgage together and the unilateral income is not up to standard, they can submit their partner's income certificate to the bank. The bank will comprehensively evaluate the repayment ability of the two people.