A bank mortgage requires a certificate of personal income

In your case, I think it would be better to do so, first of all, the income certificate is definitely needed, but according to your description, it seems that you are working in a single household, and the income certificate issued by the official seal of the self-employed household is not recognized in the bank, and the bank's evaluation criteria are, public institutions, ** functional departments, school teachers, hospital doctors, followed by large state-owned enterprises and foreign enterprises, and then the general company, you can find a way to find a friend to help you open one in the company. Generally, the bank will not go to the door-to-door investigation in person, but only verify, so you should be sure to do the dots in place, the income certificate is solved, and you also need to provide your household registration certificate, identity certificate, marriage certificate, guarantor's (co-repayer's) income certificate, guarantor's (co-repayer's) household registration certificate and identity certificate.

If you buy a house is a property right, you can not use another house under your name mortgage, if you simply want to mortgage your house, the materials required are the same as the above, but there is no transfer when going through the procedures, the bank will directly handle the mortgage after approval, but the interest rate of the existing house mortgage and the interest rate of the mortgage loan are not the same, the general mortgage loan is implemented by the benchmark interest rate of 15, and the mortgage of the existing house is implemented by the benchmark interest rate of 10. Hope it helps.

I do real estate.

This proof of income should be issued at your unit.

Your own house can be mortgaged.

Make a mortgage.

Legal analysis: Specify the certifier and prove the matters. Proof of monthly income is about twice the monthly payment of the loan, which is easier to approve.

Issuing a fake certificate itself is against the law, once it is found by the bank, not only the loan is rejected, but also may bear legal responsibility, even if the loan has been approved, the bank's risk control finds out that the loan is fraudulent, and the loan issued before will be immediately withdrawn, so do not take the road of issuing a fake income certificate.

Legal basis: Civil Code of the People's Republic of China

Article 673: If the borrower fails to use the loan in accordance with the agreed purpose of the loan, the lender may stop disbursing the loan, withdraw the loan in advance, or terminate the contract.

Article 674:The borrower shall pay interest within the agreed time limit. Where there is no agreement on the time limit for the payment of interest or the agreement is not clear, and it is still uncertain in accordance with the provisions of Article 510 of this Law, and the loan period is less than one year, it shall be paid together with the return of the loan; If the loan period is more than one year, it shall be paid at the end of each year, and if the remaining period is less than one year, it shall be paid together with the return of the loan.

1. The content of the income certificate.

The income certificate is a certificate that the bank requires the borrower to issue in order to verify the borrower's financial ability, and the general income certificate is required to be the borrower's monthly income, including pre-tax salary, allowances, bonuses, etc. In addition to questions about money, the income certificate must also contain basic information such as the borrower's name, age, and position.

In addition to the above basic information of the borrower, the income certificate must also have the company's official seal, which must be a "fresh seal", and the copy is invalid. Different banks have different income certificate formats, and some companies have their own fixed templates when opening income certificates, which needs to be paid attention to by home buyers.

2. Proof of income numerical requirements.

According to the general requirements of the bank, the amount on the income certificate provided by the borrower should be more than twice the monthly payment for the purchase of the house. So does this mean that the higher the income on the income certificate, the better? This is not the case.

Buyers should seek truth from facts, income should be in line with their position, if the income is low, then when issuing income certificates, performance, bonuses, dividends, etc. can be counted.

3. Who will issue the income certificate.

If both husband and wife of the borrower's family have stable jobs, then they can provide proof of income from both parties, and ensure that the total income meets the bank's regulations. However, if the income gap between the two parties is large or the job stability is different, then the party with the higher income should try to be the main lender, and at the same time, it is necessary to meet the purchase restriction requirements.

4. The risk of issuing false certificates.

Some people have unstable jobs or stable wages, and in order to successfully apply for a loan, they will think of fraudulent means to get the bank's approval of the income certificate, which is very risky. Generally, the bank's review will be more standardized, and it is easy to find out whether the content you provide is fake, so that you can not continue to apply for a loan, even if you have already disbursed the loan, you may be required to repay the loan in advance at one time, cancel the loan contract, and bear legal responsibility in serious cases.

5. What should I do if I don't have a certificate of income from the unit?

What if some buyers want to buy a house through a loan, but they are private owners or self-employed and have no way to issue a certificate of income? If you are a private owner, a business license cannot replace the income certificate, so you need to submit tax vouchers and income accounts to prove your income. Freelancers can find a third party to work with.

Most of the income proof of the loan is the bank statement, which generally requires the borrower to have a bank statement in the last six months, and can directly bring the bank card and ID card to the bank for printing, and there will be no charge for printing the bank statement, but the bank needs to stamp the relevant seal after printing.

Bank flow generally refers to the record of deposit and withdrawal transactions in the bank account, generally including wages, transfers, consumption, etc., and the bank flow can generally be divided into corporate flow and personal water according to the different accounts; Personal bank statements are indispensable materials when applying for loans, such as housing loans, car loans, credit loans, etc., all need to be submitted.

If the loan amount is relatively large, the bank flow can not meet the loan requirements, then you need to submit other financial proof materials, meet the requirements of the bank before the loan, if you can know in advance that you need a loan, you can brush the flow half a year in advance, so you can get a very beautiful bank statement.

1. What are the precautions for opening a bank loan income certificate?

1. Proof of income for leave.

It is a violation of the law to open a fake certificate itself, once it is found by the bank, not only the loan is rejected, but also may bear legal responsibility, even if the loan has been approved, the bank's risk control finds out that the loan is fraudulent, and the loan issued before will be immediately withdrawn, so do not take the road of issuing a fake income certificate.

2. The higher the income, the better.

Generally speaking, the bank's requirements for the monthly income of the lender are: the monthly income is at least twice the monthly payment of the house loan, and the income directly affects the amount of the house loan, so some people feel that the higher the monthly income, the better, which violates the principle of seeking truth from facts, of course, it is not blindly seeking truth from facts, and the specific problems are analyzed in detail.

2. Q&A on the content of the bank loan income certificate.

Netizens asked: What are the main contents of the bank loan income certificate?

Lawyer: The income certificate does not contain many contents, but in general it contains three aspects.

On the one hand, personal information, including name, ID number, education level, working hours, job position, etc.;

On the one hand, it is the information of the unit, including the name of the single name, the address of the unit, the contact **, the signature of the person in charge, the seal of the unit, etc.;

The personal income of the individual includes the monthly income of the individual, the pre-tax and after-tax salary, bonuses, allowances, housing provident fund, share dividends and other income.

1. The amount is not too much, it is best for some people to think that the more income certificates, the better, but this is not the case. When taking out a loan to buy a house, it is not advisable to write too high or too low the amount of income, and the principle of seeking truth from facts should be followed, and the deviation should not be too large. The general requirement is to meet the income level of the city, the income level of the industry, and the income level of one's own company and job level.

Under normal circumstances, when the bank looks at the income certificate, it will ask the buyer to pay the monthly mortgage payment2. If there are other loans, monthly income (mortgage monthly mortgage loan monthly payment) 2 If the buyer is worried that the salary income in his income certificate is not enough for the bank's requirements, he can also include performance, bonuses, and dividends into the income certificate, which can make the overall amount of material cracks and seepage look better.

2. Try to highlight the key income proof is a kind of proof, so it is not that the more content the better, but that the key points should be highlighted. In addition to basic information such as name, age, company, and position in the income certificate, buyers can reflect information with high gold content such as dividends. Of course, some banks will also require buyers to provide social security, provident fund and other information, and everyone can prepare according to the bank's requirements.

It is also necessary to remind buyers that the income certificate needs to be stamped with the official seal of the unit, and it must be the fresh seal of the source bank, and the copy is invalid.

3. Some people who have a small income and will have crooked ideas in order to get a bank loan quickly, such as issuing a false certificate to cover the spine. But this way is not advisable. If the bank finds out during the approval, it will not only be rejected for approval, but also added to the blacklist.

Even if the bank has already reversed the payment, once it is found that your income certificate is fraudulent, you will be required to make a lump sum early repayment and cancel the loan contract. If it is serious, it will also bear legal responsibility. In addition, it is important to note that when the buyer issues an income certificate, he must ensure that his identity information and the information on the income certificate are completely consistent, so as not to cause the bank to not approve the loan due to incorrect information.

4. If the income is not enough, there is a way for some buyers to prove that the amount of income is not enough, so they must not be able to take out a loan? Actually, no, if you have a limited income certificate, you can take out a joint loan with your spouse, and the income of the two people can meet the bank's needs. If you are single or your spouse does not have enough income, it is not impossible to apply for a loan, you can reduce the amount of application by increasing the down payment.

It is also possible to apply for a loan.

The following is a question about how to open a mortgage income certificate.

The income proof model is generally monthly income, salary, bonus, allowance, housing provident fund, share dividends and other income after tax. However, it should be reminded that different banks have different forms of income certificates, and some companies also have their own fixed model of income certificates, which needs to be analyzed on a case-by-case basis.

1. Have a work unit.

Pay attention to the format of the issuance of income certificates, and the necessary content should not be missing, such as personal name, ID card, position, salary slip, and length of service; It must be stamped with the official seal of the unit or the personnel seal, the copy is invalid, do not forget the company address, contact **, the signature of the person in charge of the unit; Fill in the landline of the human resources department of your unit.

The annual income should be the sum of basic salary, bonuses, and benefits within one year, and deduct personal income tax, insurance premiums, etc. If the pre-tax income is issued, it needs to be deducted from the personal income tax and then calculated as the average monthly income, and the deducted income must meet more than twice the monthly payment plus debt. Banks generally require borrowers to provide more than twice the monthly income of their monthly payments and other liabilities.

If you have additional asset certificates such as bonds, bank deposits, vehicle purchase certificates, personal income tax, etc., you can provide them to the bank, which can increase your loan qualifications and help you approve the loan.

2. There is no work unit.

Private owners. The income certificate should be opened normally, and the customer needs to provide company information (original and copy of business license, organization certificate, tax registration certificate, and half a year's flow of corporate accounts, etc.) as long as the customer needs to provide company information at the same time.

Freelancer.

If there is a deposit, a certificate of deposit can be provided; If not, go to a bank with income to get a statement, which can prove that you have a continuous income.

What should I do if my borrower's income is less than twice the amount of my monthly payment?

1. Increase the down payment ratio and reduce the loan amount.

Or you can extend the repayment period so that the monthly repayment amount will go down;

2. Increase co-borrowers.

The house can be bought with the parents or with the spouse, which means that the names of the two people are written on the purchase contract, the parties are the main lender, and the parents or spouse are the subprime lenders.

3. Fill in the income certificate appropriately and improve.

The income certificate can be appropriately increased, but do not blindly exaggerate, because the bank will use this as the basis for the approval of the loan amount, if the income is too high, the monthly repayment amount will inevitably increase accordingly, which will affect the quality of life in the future.

There is no uniform writing format for the loan income certificate, but it should generally include the following contents: 1. The title "Income Certificate"; 2. The identity information of the lender, the employer, the number of years of service, and the salary income; 3. The payment office is stamped with the company's official seal and the date is filled. According to Article 668 of the Civil Code, which came into effect in 2021, the loan contract shall be in written form, unless otherwise agreed upon by natural persons.

The content of the loan contract generally includes terms such as the type of loan, currency, purpose, amount, interest rate, term and repayment method. Article 669 stipulates that when entering into a loan contract, the borrower shall, as required by the lender, provide the true information about the business activities and financial status related to the loan.

Article 11 of the Interim Measures for the Administration of Personal Loans An application for a personal loan shall meet the following conditions: (1) the borrower shall be a citizen of the People's Republic of China with full capacity for civil conduct or an overseas natural person who complies with the relevant provisions of the State; (2) The purpose of the loan is clear and lawful; (3) The amount, term and currency of the loan application are reasonable; (4) The borrower has the willingness and ability to repay; (5) The borrower has a good credit status and no major negative credit records; (6) Other conditions required by the lender. Article 26 of the Regulations on the Administration of Housing Provident Fund stipulates that employees who have paid into the housing provident fund may apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses.

The Housing Provident Fund Management Center shall, within 15 days from the date of accepting the application for the source group, make a decision to approve the loan or not to approve the loan, and notify the applicant; If the loan is approved, the entrusted bank shall handle the loan formalities. The risk of housing provident fund loan shall be borne by the housing provident fund management center. Article 27 of the Regulations on the Administration of Housing Provident Fund stipulates that if an applicant applies for a housing provident fund loan, he shall provide a guarantee.