How to open a certificate of income from buying a house, and how to open a certificate of income fro

Proof of income needs to include the following:

1. Write the name of the certified person in the title.

2. The information of the certified person, the ID number and when he was an employee of the company.

3. Write down the position and income of the certified person.

4. Write clearly what form the income will be distributed.

5. Write the name of the unit clearly.

6. Write clearly the person in charge, which is mainly to facilitate the verification of the other party.

7. Write down the year, month and day, the name of the unit and department, and affix a special seal.

It should be noted that the income certificate model generally refers to monthly income, and both refer to after-tax income, including salary, bonus, allowance, housing provident fund and other income.

Proof of income cannot be issued more. Some people don't meet the income requirements and want to get away with fake income certificates.

The consequences of obtaining a false income certificate are very serious.

First of all, for the borrower, if the bank is found out because of the false income certificate, he will not be able to pass the loan review, and the situation will be serious and he will bear legal risks. Even if the review is passed, the house will not be able to pay the monthly payment in the face of later repayment pressure, and the house will still face the possibility of being repossessed by the bank.

The more serious consequence is that the borrower defrauded the bank loan with a false income certificate, and was also suspected of the crime of defrauding the loan.

The provisions of the Criminal Law are: A sentence of up to three years imprisonment or short-term detention and/or a fine; Whoever causes especially heavy losses to banks or other financial institutions or has other especially serious circumstances, is to be sentenced to fixed-term imprisonment of not less than three years but not more than seven years and a concurrent fine.

The income certificate needs to be issued by the company, and the writing method is very simple, as long as the name and income are written, and the bank's ability to review and repay the loan is a net income of more than 50. Of course, you can also increase the number of repayers, for example: if you want to apply for a loan with your family, 50 of the income of the two people is enough to meet the needs of the loan repayment.

It is better to type out the pay slip for the bank to review. If you are self-employed, you only need to provide a business license and a tax payment invoice. In addition, if the personal income certificate is greater than 10,000 yuan, you need to provide some additional asset certificates, including bonds, bank deposits, vehicle purchase certificates, individual income tax certificates, etc.

Hopefully, my above will help you know how to buy a home income certificate.

Brand model: Huawei Mate 40E Pro system version:

Software version: Guangdong Rural Credit Co., Ltd.

1. Enter [Guangdong Rural Credit].

3. Click [Proof of Income].Enter the interface and click [Income Certificate] to issue it.

Article 667 of the Civil Code of the People's Republic of China.

A loan contract is a contract in which the borrower borrows money from the lender and returns the loan at maturity with interest.

Article 668.

The loan contract shall be in written form, unless otherwise agreed upon between natural persons.

The content of the loan contract generally includes the type of loan, currency, purpose, amount, interest rate, term and repayment method.

Article 669.

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.

The buyer needs to issue it in his own unit, as long as the buyer's name and income are clearly written.

The loan bank verifies that the buyer's ability to repay the loan is more than 50% of the buyer's net income, and if the buyer is self-employed, then he needs to provide his own industrial and commercial business license and pay taxes, and pay attention to the seal and not copy. Issuing an income certificate is not only about writing down your income, but also about social security and provident fund.

Because the payment time of social security and provident fund is the best proof of working hours for buyers, the time to fill in the working hours of buyers can be filled in with the time of social shouting and filial piety and provident fund. When issuing an income certificate, the lender should fill it out according to his actual income, and of course, it is not all about seeking truth from facts.

Specific analysis

For example, if the lender is engaged in sales and finance in a first-tier city, then the income can be filled in a little higher, as long as the lender can afford to repay the amount in the future. Before the lender applies for a loan, he or she also needs to go to the bank to print a copy of his or her personal credit report, and each time the lender provides a record of the income certificate to the financial institution, it will be reflected in the personal credit report.

If the information provided is inconsistent with the previous information, then the bank will focus on examining different reasons, if the bank finds out that the lender provides false information, then the bank will refuse the loan, and the lender will bear legal responsibility if the situation is serious.

1. What is proof of income and what are its uses? The so-called income certificate is a kind of proof of economic income for Chinese citizens in their daily production, life and business activities. Second, how much is the amount of income proof for mortgage purchase?

Proof of income from a mortgage requires you to provide a monthly income of more than 2.5 times your monthly repayment. If the personal income certificate is more than 10,000 yuan, you need to provide some additional proof of assets, including bonds, bank deposits, vehicle purchase certificates, personal income tax certificates, etc. Note:

If you buy a house in full, you don't need to open a proof of income. Third, does the bank only refer to the figures on the income certificate when approving the loan? If the applicant is married and one person's income certificate is less than his monthly payment, he or she can apply for a loan by issuing an income certificate from both husband and wife, and the bank can also approve it if the conditions are met.

In addition, some other assets of the family, such as large deposits, bonds, real estate, etc., can also be used as proof of income, and banks will generally refer to them. Fourth, is it risky to issue a false income certificate?

Let's start by looking at what is considered false income, as follows:

a. The employer issues a certificate that the income of the employee is higher than the actual income;

b. Issuing false income certificates for non-unit personnel. Personally, if the bank finally finds out and fails to pass the examination, the buyer's request to move out is a breach of contract; On the other hand, the pressure of self-repayment is greater, and if you are unable to pay the monthly payment in the end, it has nothing to do with the developer and the bank, and the risk of fraud is borne by the buyer himself. Issuing a false income certificate for a loan to buy a house is an act of contract fraud, and the legal risk is that the bank can demand the revocation of the loan contract on the grounds of fraud.

5. How to open an income certificate?

1. Have a work unit.

a. Pay attention to the format of the income certificate issued, and the necessary content should not be missing;

b. The issuance of income certificate must be stamped with the official seal of the unit or personnel seal, and the copy is invalid;

c. Fill in the landline of the human resources department of the unit;

d. The annual income should be the sum of basic salary, bonuses and benefits within one year, and deduct personal income tax and insurance premiums. 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 will generally require the borrower to provide more than twice the monthly income of the borrower and the sum of his monthly repayment and other liabilities. If you have additional proof of assets such as bonds, bank deposits, vehicle purchase certificates, personal income tax, etc., you can provide them to the bank, which can increase your loan qualification and help you approve the loan.

2. There is no work unit.

a. The income certificate of the private owner should be opened normally, and the customer needs to provide company information at the same time (original and copy of business license, organization ** certificate, tax registration certificate, corporate account for half a year, etc.).

b. Freelancers can provide proof of deposit if they have deposits; If not, go to a bank with income to get a statement, which can prove that you have a continuous income.