If you buy a car in installments, you need to pay proof of income, and what responsibility does the

First of all, I would like to inform you that there is a crime in our law called the crime of providing false documents.

As for the responsibility you inquire, it is explained as follows:

1: If the employer submits false income certificates to the bank, and the bank causes losses to the applicant by issuing credit cards or approving housing loans based on these income certificates, the employer may bear legal liability. Because the employer subjectively knew and deliberated in doing so, it cannot be ruled out that the unit and the employee "maliciously colluded", which constituted infringement.

The bank may pursue the civil liability of the entity in a tort lawsuit.

2: The income certificate issued by the unit is seriously false, and the lender is simply unable to afford the high repayment. The bank may sue the lender and the company that issued the income certificate in court with a single complaint, and may require the two defendants to be jointly and severally liable for repayment.

On a case-by-case basis, it is possible for the company to make an effective counter-appeal. This will be in favor of you but not against you, depending on the evidence available to the company).

3: Arbitrarily opening income certificates, which may lead to labor disputes. The company will reissue the difference between the amount of the income certificate issued and the actual salary. (also on a case-by-case basis).

4: There are many more such cases. See also:

In fact, there is no other responsibility, you can make a seal and stamp it yourself.

It's just that sometimes the bank will **pay a return visit, so you can leave a familiar person**.

Because they may all leave their jobs, the unit has no responsibility.

It's okay to find the financial opening of the unit, but remember to seal it. This shouldn't be hard to open. If you look for finance, it will usually be prescribed to you.

However, if you are paying your salary with a bank card, you can go to the bank to make a statement. Prove that you have a relatively stable income.

1. The car buyer must be at least 18 years old. and citizens with full capacity for civil conduct.

2. Have a stable career and income. Good credit. Have the ability to repay the principal and interest of the loan on time.

3. Hold the car purchase agreement and contract signed with the dealer.

4. Have assets recognized by the bank as collateral or pledge. or a unit or individual with sufficient compensatory capacity as a guarantor. If the car buyer's personal account is not local.

Joint and several liability guarantees should also be provided. Banks do not accept mortgages placed by car buyers on the vehicles purchased with loans.

5. During the loan application period. The car buyer shall deposit no less than the down payment for the purchase of the car in the account of the bank savings counter that is not less than the bank requirement.

6. The car buyer is willing to accept other conditions that the bank deems necessary.

Loan objects and conditions:

1. Meet the requirements of the basic conditions of our bank's retail loan customers.

2 Foreigners or residents of Hong Kong, Macao and Taiwan also need to meet the relevant requirements of the state for foreigners to purchase commercial housing.

3. Have the ability to repay the principal and interest of the loan on time. The ratio of the borrower's monthly loan expenditure to monthly income shall be controlled below 50% (inclusive), and the ratio of all monthly debt expenses to monthly income shall be controlled below 55% (inclusive).

4 Personal auto loan customers must be local residents of the location where the agency is located.

5 Age plus loan tenure must not exceed 60 years of age. If two or more applicants apply for a loan, the loan term may be reasonably determined according to the actual situation, but the age of at least one of the borrowers plus the loan term shall not exceed 60 years old.

6. Other conditions stipulated by the handling agency.

Loan amount. 1 The maximum loan amount is $2,000,000.

2 The maximum loan amount shall not exceed 80% of the vehicle purchased** (excluding all additional taxes and premiums).

3 The maximum loan amount for personal car loans for imported vehicles shall not exceed 70% of the purchased vehicles** (excluding various additional taxes and premiums).

Loan term. The term of the loan is generally not more than 3 years, and the longest is not more than 5 years (including the cumulative term after the extension of the loan).

This problem is not big, the most important thing is that the documents are complete, and there is no problem with credit reporting.

There is also a very important question, car loans are made through 4S internal finance or guarantee companies, and banks will not give you loans directly, I am the guarantee company in the car loan business.

When you go to the 4S store, you must ask clearly, there are a lot of car loans.

If not, you can consider taking out a small loan, and you can take out a loan if you have a house.