Banks require customers who apply for bank real estate loans to provide tax payment certificates, which is a way to examine customers' personal credit. If they can't provide proof of tax payment, they can also provide other credit certificates, such as proof of bank account flow for at least half a year, which is also acceptable. In addition, the tax payment certificate is a kind of certificate that can prove your credit, but you don't have to apply for a bank real estate loan, so it is better to have a tax payment certificate, and you can't apply without it.