Is there any difference between proof of income and bank statements?

It's not the same. Proof of income is proof that you have an income and a salary in the workplace.

A bank statement is a record of your bank card receipts and expenditures.

Proof of income. What should I do if it is inconsistent with the bank statement?

It doesn't matter, because the income certificate is only proof of the lender's salary income, but the content of the bank statement includes salary income, but it is not limited to salary, and the bank statement can also include other personal income, such as the monthly rent paid by the tenant, etc., so it is understandable that there is a difference. However, the amount of the income certificate should not be too different from the salary income of the bank card, and if the income certificate is inflated, the bank may require the lender to resubmit the application materials or refuse the loan.

1. Proof of income:

The income certificate is a kind of proof of economic income that Chinese citizens need in their daily production, life and business activities. Proof of employment income generally reflects the borrower's work unit, position, and years of service.

There is also salary income, which is generally issued by the borrower's unit, with a certain format, and needs to be stamped with the official seal of the unit.

to be effective. Whether the person who is ready to take out a loan to buy a house really has the ability to pay off the mortgage, whether he will default on the loan, these problems can be reflected in the income certificate, and the bank will judge whether the applicant can lend money to buy a house according to the income certificate.

2. Bank statement:

The bank statement mainly refers to the income flow provided by the borrower and the borrower, and is a list of deposit and withdrawal business transactions between individuals and the bank over a period of time.

For those who plan to take out a loan to buy a home, the bank statement reflects not only their salary, but also their spending and overall economic situation. These are the bases on which the bank decides whether to approve the loan or not.

Generally speaking, banks are more willing to lend to applicants who have stable and reasonable bank flows, on the contrary, the chances of approval are not high for those borrowers whose bank statements are fluctuating and unstable. After all, the amount of loans required to buy a house is generally relatively large, and banks should carefully consider the borrower's expected future repayment status and financial affordability to avoid the borrower being unable to afford the monthly payment.

situation.

The income statement and the income certificate do not need to be consistent, because the income certificate is only the proof of the lender's salary income, but the content of the bank statement includes salary income, but it is not limited to salary, and the bank statement can also include other personal income, such as the monthly rent paid by the tenant, so it is understandable that there is a difference. However, if the income certificate is inflated, the bank may require the lender to resubmit the application materials or refuse the loan.

Yes, I can explain to you like this, for example, the income certificate is 10,000, but the turnover is only 5,000, you can think that your monthly salary is only 5,000, and at the end of the year, the lead dividend will be paid to another 5,000.

If the income proof is greater than the bank statement, then you need to prove to the bank that the user has additional income, otherwise it will affect the loan review. There is no problem with the income certificate being smaller than the bank statement, which can only be said that the user has additional income and strong repayment ability, which will not affect the loan review.

Therefore, when issuing a certificate of income, it is best not to have too many discrepancies between the amount of the income certificate and the bank statement.

Extended Information] Generally speaking, the salary card statement can be used as proof of income. Income certificate refers to the income certificate, tax bill, salary slip, labor contract, bank statement, etc. issued by the unit.

1. Bank statements.

Bank statement mainly refers to the borrower's own income statement, which is a list of deposit and withdrawal business transactions between individuals and banks over a period of time. When applying for a mortgage, the bank statement required mainly refers to salary income, but not only salary, bank statement can also include other personal income, such as the monthly rent paid by the tenant.

2. Proof of income.

The income certificate mainly states your current monthly income and annual income level, which is generally issued by the borrower's employer and stamped with the official seal of the unit to be valid. In fact, in the bank statement and income certificate, the bank is more interested in the bank statement, because the bank statement reflects the borrower's monthly income for a period of time, which is more convincing.

Banks usually want to see stable and reasonable bank statements of the borrower, and also to ensure that the income of the bank statements is roughly consistent with the proof of income.

3. How to print bank statements.

1.First of all, you need to confirm which bank is the one that sends your salary, so that you can determine which bank account statement needs to be printed.

2.Bring your personal ID card and bank card to the branch where the bank is located (some need to go to the bank where you open an account, you need to consult the bank's customer service for details).

3.When you apply for the transaction, you need to explain to the staff the time period when you want to print the slip. You can also bring your card or passbook to the self-service kiosk at the branch to print it yourself.

Legal Analysis: Bank Loan Income Proof is not available for bank statement loans. The income certificate needs to be stamped by the work unit, and the bank statement is the income status certificate presented by the Chenluna Bank and the supplementary loan applicant, both of which need to be provided.

Legal basis: Provisions of the Supreme People's Court on Several Issues Concerning the Application of Law in the Trial of Private Lending Cases Article 17 Where the plaintiff initiates a private lending lawsuit solely on the basis of the transfer voucher of a financial institution, and the defendant argues that the transfer is to repay the previous loans or other debts of both parties, the defendant shall not provide evidence to prove his claim.