2. Once a loan with a false income certificate is found, it will be rejected by the lending institution forever, and many lending institutions enjoy this information, so it is difficult for applicants with false income certificates or other lending institutions to borrow money.
3. False income certificate affects the borrower's personal credit record, resulting in a bad credit record.
4. Even if the loan is successfully obtained by providing false proof of income, once it is found out by the lending institution, the lending institution has the right to require the borrower to repay in advance. If the borrower fails to repay the loan, it will have a bad credit record and even be blacklisted, and it will be impossible to obtain a loan in the future.
What's the use of proof of income?
When applying for a credit card or handling other banking business, you must issue a proof of income; Most people don't know the standard income certificate when they ask the unit to issue it, which makes many income certificates unusable. Income proof is one of the main reference contents of the initial credit limit when credit card is audited, which directly reflects the repayment ability of the agent.
What should buyers pay attention to when filling out income certificates?
1, the basic information must be consistent with my own information.
Property buyers must ensure that their identity information is exactly the same as the information on the income certificate when filling in the income certificate. These details can best be implemented in small details such as age, mobile phone number and address, and banks will focus on these aspects.
2. Don't fill in the income too high.
The higher the income, the easier it is to get a bank mortgage? If you have this idea, you are all wet. If your income is several times the local average income level of your position, you may be refused a loan. Therefore, it is suggested that property buyers should have factual basis when filling in the income certificate, so as not to cause the bank to suspect that you are suspected of fraudulent loans and be blacklisted.
3. The proof of income need not be too complicated.
Some property buyers will write all kinds of income in order to ensure that their certificates are "very good-looking", but the income certificates are mainly detailed. After all, banks see long-term gains, not uncertain windfalls.
4. Don't neglect five insurances and one gold.
If you plan to buy a house, a provident fund loan can save you a lot of housing costs. Even if you can't buy a house with a provident fund loan, it is very helpful for you to apply for a commercial bank mortgage by adding a deposit record of five insurances and one gold to your income certificate. So don't neglect your income.
5. Don't forge proof of income.
Some people have poor conditions, but in order to successfully win the mortgage, they forged income certificates and other materials and tried to deceive them through fake materials. However, this kind of behavior is illegal and the consequences are very serious. Once found out by the bank, even if you have got the loan from the bank, it will be taken back, and if it is more serious, you will have to bear legal responsibility.