In daily life or work and study, everyone has the experience of writing certificates and is very familiar with them. A certificate is a certificate that proves the true situation of relevant personnel or facts with reliable evidence. Do you know the format of the certificate? The following is my carefully compiled personal loan income certificate, which is for reference only and I hope it will help you.
Personal loan income certificate 1
To the bank:
This is to certify that Mr./Ms. (married, unmarried, divorced) is an on-the-job employee (formal and temporary) of our company, and now holds the position and title of our company; I have worked in the company for many years. The nature of the company is.
Its total monthly income is RMB ten thousand one hundred Yuan only (in figures ￥).
The ID number is:
My unit is legally responsible for the authenticity of the above information.
Hereby.
Unit address:
Contact person of personnel and labor department:
Contact telephone number:
Seal of unit:
Date, year and month
Personal loan income certificate II
_ _ _ _ _ Bank:
_ _ _ _ _ _ _ _ _ _ _ _ Colleague is a _ _ _ _ _ _ (formal/recruitment) employee of our company, and has joined _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _.
This is to certify that.
Name of unit: (official seal) _ _ _ _ _ _
Handler: _ _ _ _ _ _ _
_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
Personal loan income certificate 3
Xxxx Branch of China Industrial and Commercial Bank Co., Ltd.:
This is to certify that the ID number of _ _ _ _ _ _ _ _ (Mr./Ms.) is _ _ _ _ _ _ _ _ _.
He is a _ _ _ _ _ _ (1. Regular workers, 2. Contract workers, 3. Temporary workers), who have already worked in this unit for _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
The above information promised by our unit is true. If the above information is inconsistent with the facts, resulting in your bank's economic losses, we are willing to bear the corresponding responsibilities.
Unit address:
Contact person:
Contact telephone number:
Official seal of unit or seal of authorized department:
Signature of the person in charge of the unit or department:
date month year
Personal loan income certificate 4
XX bank XXX branch:
This is to certify that _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _. The employee's physical condition is _ _ _ _ _ _ _ (good/poor).
We hereby guarantee that the above certificate is correct and true. If the above certificate is inconsistent with the facts and causes economic losses to your bank, our bank promises to bear all legal responsibilities such as compensation.
Official seal of certifying unit
Unit detailed address:
Unit contact telephone number:
Personal loan income certificate 5
_ _ _ _ _ _ _ _ _ Bank _ _ _ _ _ _ _ Branch:
This is to certify that _ _ _ _ _ _ _ _ (Mr./Ms.) is:
1. Our company _ _ _ _ _ _ _ _ (full-time, contract and temporary workers) has worked in our company for (in words) years.
2. His post (type of work) is _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
3. His position is _ _ _ _ _ _ _ _ _ _ (ordinary employee, department head, unit head, unit investor), and he has held this position for (in words) _ _ _ _ _ _ _.
4. His monthly income after paying provident fund, supplementary provident fund, pension, medical insurance, unemployment insurance and individual tax adjustment: RMB (in words). _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
In addition, the basic provident fund shall be paid monthly: RMB (in words) _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _.
This is to certify that the above situation is true!
Company contact address: xxx
Contact number of personnel department: xxx
Tel: xxx
Seal of unit: xxx
Signature of person in charge of personnel department: xxx
Xx year x month x day
Personal loan income certificate 6
Tongcheng Branch of China xx Bank Co., Ltd.:
_ _ _ _ _ _ _ _ _ is my company _ _ _ _ _ _ _ (work), and the average income in the last three months is RMB (in words) _ _ _ _ _ _ _ _ _ _ _ _. (including all kinds of fixed bonuses and subsidies), our unit guarantees that the above-mentioned income certificates provided are clear and true, otherwise we are willing to bear all legal responsibilities arising therefrom.
Hereby declare.
Unit seal
Date, year and month
Personal loan income certificate 7
This is to certify that _ _ _ _ _ _ _ _ _ is an employee of our company, graduated from _ _ _ _ _ _ _ _ _ _ _, and has worked in our company for _ _ _ _ years continuously. Now working in _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
Hereby certify that
Company name: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
Connotation of personal income certificate: including salary (generally referring to the total income of the whole year), copy of pension insurance payment, certificate of own property, certificate of private vehicle, copy of large passbook, foreign exchange, bonds, gold securities account, large life pension dividend policy, etc.
Personal loan income certificate 8
To China Bank and XXXX Bank:
This is to certify that Mr./Ms. xx (married, unmarried, divorced) is an on-the-job employee of our company (officially attached), and now works in our company with the post of XX; I have worked in my company for X years, and the nature of the company is xx.
Its total monthly income is RMB ten thousand one hundred Yuan only (in figures ￥xx).
The ID number is:
My unit is legally responsible for the authenticity of the above information.
This is to certify that.
Unit address:
Contact person of personnel and labor department:
Contact telephone number:
Seal of unit:
X year x month x day
Personal loan income certificate 9
_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
This is to certify that Mr. (Ms.) _ _ _ _ _ _ _ _ _ is an employee of our company, and his working years are _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _.
ID number: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _.
The average monthly income is RMB (in words) _ _ _ _ _ _ _ _ _ _ _ _ _ _.
This certificate is only used when employees apply for _ _ _ _ _ _ _ _ _ _.
Unit (seal): _ _ _ _ _ _ _ _ _ _ _
_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
Personal loan income certificate 10
_ _ _ _ _ _ _ _ _ Bank:
_ _ _ _ _ _ _ (certificate type: _ _ _ _ _ _ _ _, certificate number: _ _ _ _ _ _ _ _ _ _ _) Mr./Ms. is a formal employee of our company, and now she is _ _ _ _ _ _ _ _ _. Colleague's office phone number: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
This colleague has been working in our company since _ _ _ _ _ _ _ _.
The current marital status is: _ _ _ _ _ _ (married, unmarried, divorced, widowed).
Upon verification, our unit is fully aware of the legal effect of this certificate and bears corresponding legal responsibilities for the authenticity of this certificate.
_ _ _ _ _ _ _ _ _ _ _ _ _ _ (official seal of the company)
Person in charge: _ _ _ _ _ _
_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
Remarks: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
The legal address of the company is: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _.
Contact person of human resources or labor management department: _ _ _ _ _ _ _ _ _ _ _ Tel: _ _ _ _ _ _ _ _ _ _ _ _
Personal loan income certificate 1 1 wage income certificate sample
This is to certify that the employees of our company (_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _) have worked in our company for _ _ _ _ _ _ _ _ _ _.
_ _ _ _ _ _ _ _ _ _ Company
20__ _ _ _ _ _ _ _ _ _ _ _
Remember to stamp the official seal.
Sample of proof of wage income
This certificate is only for employees to use the _ _ _ _ credit card, and our company will not bear any responsibility for all the consequences that may be caused by employees using the credit card.
Hereby certify that
Name of unit (seal): _ _ _ _ _ _
Date _ _ _ _ _ _ _: _ _ _ _ _ _ _ _ _
Sample of proof of wage income
This certificate is limited to employees using _ _ _ _ credit cards, and our company will not bear any responsibility for all possible consequences caused by employees using credit cards.
Hereby certify that
Name of unit (seal): _ _ _ _ _ _
Date: _ _ _ _ _ _
Sample of proof of wage income
Yuxi Housing Provident Fund Management Center:
My unit belongs to _ _ _ _ _ _ (all the administrative undertakings are provided, part of the undertakings are provided, and the undertakings are self-supporting, and enterprises). _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ If the employee fails to repay the principal and interest of the loan within the time limit, our unit will assist in recovering the loan. The above information is true and valid.
Hereby certify that
Unit address:
Unit phone number:
Signature of person in charge:
Seal of unit:
_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
Note: The issuing unit should fill in this certificate carefully, and the loan will not be granted if the information is incomplete, and the following matters should be paid attention to when filling in:
1. The "monthly salary income" of all supply units of administrative and public institutions shall be based on the actual salary of the current month, and the "monthly salary income" of self-supporting units of enterprises and public institutions shall be based on the average actual salary of one month before issuing certificates;
2. Please fill in "Company Nature", "Employment Mode" and "Reasons for Applying for Loan" above the "_ _" line according to the options listed in brackets.
Personal loan income certificate 12
Bank of Jiangsu Xuzhou branch
This is to certify that (Mr) is a regular employee of this unit (1. 2. Contract workers; 3. Temporary workers), who have worked continuously in this unit for many years, are currently working in this unit. At present, the highest education of employees is physical condition. Average monthly income of employees in the past year (after tax)
It's RMB. Our company promises that the above information is correct and true. If the income of the above-mentioned witnesses in our company changes, our company will inform your bank in time.
Hereby certify that
The official seal of the unit or the seal of the personnel department
Signature of person in charge:
Date, year and month
Note: If the borrower is a self-employed, employee of distribution department, supply department or bank, he/she should provide proof of income for 3 months to 6 months or even longer as required (mainly including but not limited to the most commonly used passbook details, bank card details, personal tax payment certificate and other materials).
Personal loan income certificate 13
_ _ _ _ _ Bank:
The regular employees of our company have been working in our company for _ _ _ _ _ _ _ _ years, and now they are engaged in _ _ _ _ _ _ _ _
This is to certify the name of the organization (official seal): _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _.
Date: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
Personal loan income certificate 14
This is to certify that _ _ _ _ _ _ (Mr./Ms.) is _ _ _ _ _ _ (1. Regular employees of this unit; 2. Contract workers; 3. Temporary worker), who has been working in this unit for _ _ _ years continuously, and currently works in this unit with the post of _ _ _ _ _ _ _ _. At present, the highest education of employees is _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _. The employee's average monthly income (after tax) in the past year was RMB _ _ _ _ _ _ _ _. We promise that the above information is correct and true. If the above certificate is inconsistent with the facts and causes economic losses to your bank, we are willing to bear all responsibilities. This is to certify that.
Official seal of the unit or seal of the personnel department:
Signature of person in charge of personnel department:
Date, year and month
Proof of income (company-specific)
This is to certify that the employee of our company: _ _ _ _ _ _, ID number (passport number): _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
Hereby certify!
Our unit guarantees that the information provided is true and reliable. This income certificate is only used for employees to apply for loans from your bank.
Personnel contact:
Contact telephone number:
Unit address:
Seal of unit:
Date: Year Month Day
Personal loan income certificate 15
This is to certify that _ _ _ _ _ _ _ _ _ _ (ID number: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
This is to certify that.
This certificate is only used to prove the work and salary income of our employees, and is not used as any form of guarantee document for employees.
Name of unit (seal)
_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
Connotation of personal income certificate: including salary (generally referring to the total income of the whole year), copy of pension insurance payment, certificate of own property, certificate of private vehicle, copy of large passbook, foreign exchange, bonds, gold securities account, large life pension dividend policy, etc.
Matters needing attention in the model certificate of mortgage income
First: Pay attention to the necessary format when issuing the income certificate.
Second: the income certificate must be stamped with a "fresh stamp", that is, the copy of the income certificate is invalid.
Third: the seal must be the financial seal or the official seal of the unit. And it must be a round stamp.
How to open a proof of income when buying a house with a loan? Sample of mortgage income certificate 20 16
When buying a house to apply for a loan, the bank usually asks the borrower to provide proof of income. Some people think that the higher the income, the better. Actually, it's not. It's very risky. So how to open a proof of income when buying a house? Here is a sample of proof of mortgage income for everyone.
Demonstration proof of mortgage income
This is to certify that _ _ _ _ _ _ _ _ is an employee of our company and holds the post of _ _ _ _ _ _ _ _ _ _ _. So far, the total income in the past year is about _ _ _ _ _ _ yuan.
This is to certify that.
This certificate is only used to prove the work and salary income of our employees, and it is not used as a guarantee document for employees under any circumstances.
Stamps:
Date: _ _ _ _ _ _ _ _ _ _ _ _ _
Proof of housing loan income: It is a kind of proof of economic income that China citizens need in their daily production, life and business activities. Generally, when applying for visas, bank loans, credit cards, etc., it is required to be issued by the parties.
Questions and answers about the proof of mortgage income;
Q: What is proof of income? What is the purpose of proof of income?
Answer: The proof of income is a kind of proof of economic income that China citizens need in their daily production, life and business activities. Generally, when handling visas, bank loans, credit cards, etc. They will be required to be issued by the relevant units.
It is one of the main reference contents when handling house mortgage, which directly reflects the repayment ability of the handler.
Q: Do I need proof of income to buy a house in full?
A: You don't need proof of income, just proof of newly purchased housing. Q: How much should I write in mortgage to buy a house's income certificate?
A: The proof of income requires that your monthly income is more than twice your monthly repayment. If the personal income certificate is above 1 10,000 yuan, you need to provide some additional asset certificates.
Asset certificates include bonds, bank deposits, vehicle purchase certificates, personal income tax certificates, etc.
Q: Does the bank only refer to the salary on the income certificate?
A: If the applicant is married, and the income certificate of one party is lower than his monthly payment, both husband and wife can apply for a loan with the income certificate. After meeting the requirements, the bank can also examine and approve. In addition, the family also has some other assets, such as large deposits, bonds, real estate and so on. It can also be used as proof of income, and banks will generally make reference.
Q: What should I do if the amount of personal income certificate does not meet the loan quota requirements?
A: If you buy a house with your wife or parents, that is, the names of two people are written on the purchase contract. Then, both parties can participate in the loan as primary lenders, and the wife/parents can participate in the loan as secondary lenders.
Q: What are the precautions for issuing income certificates?
First: Pay attention to the necessary format when issuing the income certificate.
Second: the income certificate must be stamped with a "fresh stamp", that is, the copy of the income certificate is invalid.
Third: the seal must be the financial seal or the official seal of the unit. And it must be a round stamp.
Fourth: the annual income should be the sum of basic salary, bonus and welfare within one year, excluding personal income tax and insurance premium.
Q: What if there is no income certificate issued by the unit?
Answer: If private owners can't produce proof of income, they need to provide business license, tax registration certificate, tax payment certificate (continuous tax payment time varies from place to place) or bank deposit receipt for the last six months. If you are a freelancer, if you have a deposit, you can provide proof of deposit; If not, you should go to a bank with income to apply for a running list, which can prove that you have continuous income.
Q: I am a local registered permanent residence, and I am a freelancer. I have no income certificate. Mr. Wang is a non-local registered permanent residence, and can issue income certificates for non-local work and bank running water. Excuse me, the commercial loan of the bank can be my main lender. Is he the same borrower? Or must he be the main lender (because I have no proof of income)?
A: He must be the main lender, because he has proof of income and you have no proof of income. According to the purchase restriction policy, foreign accounts need to have a social security or tax payment certificate of 1 year to buy a suite. You must ensure that your husband meets the above conditions before you can buy a house with you.
Q: Is it risky to issue false income certificates?
"proof of income" is an important procedure for buyers to purchase houses by mortgage. In order to promote the house, some real estate sales staff strongly encourage buyers who are unable to repay the loan to open false "proof of income" in order to muddle through the bank audit, but buyers think this is the "kindness" of the sales staff. False "proof of income" is not only an immoral fraud, but also brings great risks to the buyers themselves.
The so-called false income certificate refers to the income certificate issued by the employer for its employees or non-employees that is inconsistent with the actual situation. Including three situations: first, the employer issues a certificate that the income is higher than the actual income for the employees of the unit; Two, the employer issued by the employee income is lower than the actual income certificate; Third, issue false income certificates for non-employees
For individuals, if they are finally caught by the bank and cannot pass the audit, it is a breach of contract for the buyer to ask for a return; On the other hand, the repayment pressure is high. If it is unable to pay the monthly payment in the end, it has nothing to do with developers and banks. The risk of fraud is entirely borne by the buyer. Buying a house with a loan and issuing a false income certificate belong to contract fraud, and the legal risk is that the bank can request to terminate the loan contract on the grounds of fraud.
Excuse me, how to open the work certificate and income certificate for buying a house with a loan?
You don't need a work certificate to buy a house loan. The income certificate proves your work (working in a certain unit, what position you hold, how much income you earn before/after tax, etc.). ). Every bank has a certificate of fixed income, just fill it in according to the above contents.
Proof of income is a kind of proof of economic income, which is generally required to be issued by the parties when handling visas, bank loans or credit cards. When applying for a loan from a bank, you need to issue a certificate of salary income.
Extended data:
Sample proof of bank loan salary income
Borrower's income certificate:
This is to certify that the ID card/military officer's card/passport number worked in our unit from January this year to January this year, and now I am working, and my monthly income after tax is RMB (in words).
This is to certify that.
Our unit shall bear legal responsibility for the authenticity of the income certificate.
The official seal of the unit or the seal of the personnel (labor) department.
Date, year and month
1, full name of the company
2, the unit address
3, contact telephone postal code
4. Name of the person in charge of the personnel (labor) department