Does not contain
The income certificate of portfolio loan does not include the payment of provident fund. Because generally speaking, the proof of income provided is the average salary after deducting five insurances, one gold and one tax, that is to say, the income actually obtained by the buyers. Of course, property buyers who pay the provident fund can also explain when applying for loans, which is equivalent to extra points for property buyers. In addition, after providing proof of income, buyers can also provide running water to prove it, because many companies will not include bonuses such as year-end awards when issuing proof of income, but this part of income can also reflect the repayment ability of buyers, so it is also very important.
Second, the portfolio loan income certificate is not enough?
Fake loans are definitely not acceptable. The bank is very strict about the loan review, and the income certificate cannot be forged. Once discovered, your loan is likely to be finished! Borrow less if you don't have enough, and find a way to make a down payment!
Three. Proof of consolidated loan income
Housing provident fund portfolio loan undertaking bank:
The following are our employees, ID numbers, and their working years in our company (□ formal, □ employed, □ other). This is to certify that I applied for a housing provident fund portfolio loan from your bank to purchase a house, and my salary and income are as follows:
The monthly salary of this employee is RMB 10,100.00 Yuan (in figures).
This is to certify that.
This unit is responsible for the authenticity of the above certificate.
Unit (seal)
Date, year and month
Unit contact:
Contact telephone number:
Certificate of consolidated loan income [2]
Bank of China Shenyang Branch (Sub-branch):
This is Mr./Ms., ID number, who has been working in our unit since 2000 as a (department) post (or title). The average monthly income of this comrade is RMB in words (figures). Hereby certify that
The above certificate is true and correct, and our unit shall bear corresponding legal responsibilities for it.
Certification unit: (official seal or seal of labor department)
Handler:
Date, year and month
Attested person: (signature, handprint)
Date, year and month
Certificate of consolidated loan income [3]
Housing provident fund portfolio loan undertaking bank:
I have an employee in our company. His name is _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
The employee's monthly wage income is RMB _ _ _ _ _ _ _ _ _.
This is to certify that.
This unit is responsible for the authenticity of the above certificate.
Unit (Seal) Year Month Day
Unit contact:
Contact telephone number:
CC: Urban Housing Property Guarantee Co., Ltd.
Certificate of consolidated loan income [4]
This is to certify that (Mr./Ms.) is an employee of our company, with the ID number of, and has been working in our company since, with the current position of □ senior □ intermediate □ junior □ no professional title, and education above □ undergraduate □ junior college □ secondary school, high school, technical school □ junior high school. The monthly fixed salary is RMB, and the average annual total after-tax income (including monthly fixed salary, bonus, bonus and other income) is RMB (in words).
Unit nature:
Unit address:
Unit leader:
Unit phone number:
Official seal of the unit:
Date, year and month