Under normal circumstances, there is no need to issue an income certificate, because the deposit base of the provident fund can be used as a reference for the lender's income. Most cities do not need to submit proof of income to apply for provident fund loans. For example, last year, Jinan issued the "List of Proof Items Cancelled in Jinan", which made it clear that when applying for housing provident fund loans on the grounds of buying new houses, second-hand houses or building, renovating or overhauling self-occupied houses, applicants are no longer required to provide proof of income issued by their units.

Legal basis:

"Regulations on the Management of Housing Provident Fund" Article 24 Employees may withdraw the balance of the housing provident fund account under any of the following circumstances: (1) purchasing, building, renovating or overhauling their own houses; (2) retirement; (three) completely lose the ability to work, and terminate the labor relationship with the unit; (4) Having left the country to settle down; (5) Repaying the principal and interest of the house purchase loan; (six) the rent exceeds the prescribed proportion of family wage income. In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time. If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.