Matters needing attention in proof of income from loan to buy a house
1, the income certificate should not contain as many contents as possible.
Not only the amount on the income certificate, but also the content in the income certificate is very important. The content is not much but fine. In addition to basic information such as name and position, focusing on information with high gold content such as stocks and dividends can add a lot to your comprehensive repayment ability. In addition, the company address, contact number and official seal should be attached.
2. The higher the income certificate, the better.
Generally speaking, the income required by the bank is at least twice the monthly payment, so the proof of income will affect the amount of mortgage application. Some people think that the higher the income certificate, the higher the amount, but this is not the case. The proof of income should be realistic, and the income limit should not be exaggerated too much. It should be adjusted according to the income standard of the city and company.
3. Social security and provident fund have a lot to do with proof of income.
There is a misunderstanding that the social security accumulation fund has nothing to do with the income certificate, as long as the income is clearly written. You should know that the social security accumulation fund can best reflect the information of your working hours, and can indirectly calculate your monthly income, making the income proof more convincing.
4. The information on the income certificate must be consistent.
The income certificate provided to financial institutions every time will be reflected in the credit report. If the previous income certificate is inconsistent with the new income certificate information, such as the age is wrong, the bank will focus on reviewing the reasons for the inconsistency. Once it is found to be false information, it will seriously bear legal responsibility.
5. A certain deposit can replace the proof of income.
Some people mistakenly think that some freelancers and self-employed people can't apply for loans without a fixed enterprise and a stable income. The actual situation is that some banks stipulate that providing a certain amount of proof of deposit can replace proof of income, so it is not like the above, and it is not completely impossible to lend without proof of income. However, for banks with strict requirements, the audit of income certificates may be stricter, and it will be more difficult to apply for loans.