1. How to issue an income certificate for a house purchase loan

The income certificate needs to contain the following points:

1. Write the name of the person being certified clearly in the header.

2. Information of the person being certified, ID number and when he has been an employee of the company.

3. Write clearly the position and income of the person being certified.

4. Write clearly in what form the income will be distributed.

5. Write the name of the unit clearly.

6. Write clearly the person in charge. This item is mainly to facilitate the other party’s verification.

7. Write down the year, month and day, the name of the unit and department, and stamp with a special seal.

It should be noted that the income certificate model generally refers to monthly income, and all refers to after-tax income, including after-tax salary, bonuses, allowances, housing provident funds and other income.

No additional proof of income is allowed. Some people do not meet the income requirements and try to get by by applying for fake income certificates.

The consequences of applying for fake income certificates are very serious.

First of all, for borrowers, if they are found out by the bank for issuing false income certificates, they will not be able to pass the loan review. In serious cases, they will also bear legal risks. Even if it passes the review, if you are unable to pay the monthly payment due to later repayment pressure, the house will also face the possibility of being repossessed by the bank.

The more serious consequence is that the borrower defrauded the bank loan by using fake income certificates and was also suspected of loan fraud.

The provisions of the Criminal Law are: a sentence of not more than three years or criminal detention, and a fine or a fine; if a particularly heavy loss is caused to a bank or other financial institution or there are other particularly serious circumstances, the sentence is not less than three years or seven years. years and below, and shall be fined.

Extended information

Income certificate is a kind of proof of economic income that Chinese citizens need in their daily production, life and business activities. Generally, when applying for visas, bank loans, credit cards, etc., you will be required to provide proof of economic income issued by the party's unit.

Notes

First: Pay attention to the necessary format when issuing income certificates.

Second: The income certificate must be stamped with a "fresh seal", which means that a photocopy of the income certificate is invalid.

Third: The seal must be the financial seal of the unit or the official seal of the unit. And it must be a medal.