1. What are the income requirements of commercial loans?

The income certificate is stamped with the official seal/personnel seal of the company, and additional company materials are required: business license, articles of association, organization code certificate, shareholders' resolution, etc. 2. If the income certificate of the lender is not enough to cover twice the monthly payment, what ways can it be solved? ① Bank of Communications can solve the problem through income, boyfriend and girlfriend borrowing, etc. ② Bank of Beijing can use boyfriend and girlfriend and parents as guarantors; (3) income can be made into annual income before tax, and all bonuses, subsidies and provident funds can be calculated in income. 3. Under what circumstances must commercial loans be paid? Outside the world's top 5 enterprises, state organs and institutions, customers with average qualifications need to provide wages; 4. Under what circumstances can commercial loans not provide wage flow? Fortune 5 companies; State organs and institutions; Huaxia Bank: the income certificate is less than 2, (excluding 2,); Postal savings bank: proof of income is less than 13,

II. Requirements for proof of income from commercial loans

I. What are the requirements for proof of income from commercial loans? 1. It needs to be twice the sum of monthly payment for house purchase plus monthly payment for other liabilities. For example, a customer has a monthly car loan of 2, yuan, and now the monthly payment for house purchase by commercial loans is 3, yuan, so the proof of income needs at least (2,3,) x2 = 1,. 2. Issue according to the format required by the bank, and leave the contact information on the landline. 3. The income certificate needs to fill in the address of the company and affix the official seal/personnel seal of the company. 4. The annual income shall be the sum of basic salary, bonus and welfare within one year, and personal income tax and insurance premium shall be deducted. If pre-tax income is issued, it needs to be deducted from personal income tax and then counted as monthly income, and the deducted income must meet more than twice the monthly payment plus liabilities. 5. Commercial loan If the borrower is the legal representative or partner of the company, how should the income certificate be issued: (1) The income certificate is stamped with the official seal/personnel seal of the company. (2) Provide the original business license of the company and a copy with official seal. How to issue the income certificate? 2. What should I do if there is no unit to issue the income certificate? 1. To issue the income certificate of the private owner normally, the customer only needs to provide the company information (the original and copy of the business license, the organization code certificate, the tax registration certificate, and the half-year running of the corporate account, etc.). 2. Freelancers can provide proof of deposit if they have deposits; If not, go to the bank with income to apply for a running list, which can prove that you have continuous income. Third, what should I do if the income certificate is not enough? 1. Boyfriend * * * will solve the problem by borrowing money (note: when boyfriend and girlfriend guarantee, they need to write two names in the real estate certificate. If only one person is written, the boyfriend/girlfriend is not qualified to guarantee). 2. Generally, immediate family members can be used as guarantors to apply for loans, and the situation of each bank is different. 3. Provide evidence of income, such as stocks, funds, motor vehicle driving license or other houses and businesses under its name. Proof of income is an important factor affecting whether you can get a loan or not, and it is an important certificate for banks to measure their repayment ability, so you must not be careless when issuing proof of income to banks. According to the Law of the People's Republic of China on Commercial Banks, Article 34 Commercial banks conduct loan business according to the needs of national economic and social development and under the guidance of national industrial policies. Article 35 A commercial bank shall strictly examine the borrower's loan purpose, repayment ability and repayment method. Commercial bank loans shall be subject to the system of separation of loan examination and grading examination and approval.

III. Requirements for proof of commercial loan income

The procedures for formal banks are as follows: first, a series of materials other than

(1) loan application approval form; (The lender directly fills in at the lending institution)

(2) Proof of residential address; (the certificate issued by the neighborhood Committee or the water and electricity payment invoice paid)

(3) proof of work and income;

(4) other information required by the bank.

Secondly, after the application materials submitted by the borrower are approved by the bank, both parties sign a loan contract

Finally, the bank issues the loan to the borrower by transfer.