1. Will the bank verify the income certificate for the house loan?

The bank will call to verify the income certificate for the house loan. Generally speaking, if you miss the call when the bank calls, it may affect the loan review result. Of course, this review mainly involves just following up and saying hello.

Proof of income for mortgage loan application must be accompanied by unit materials:

1. Original and 3 copies of ID cards, household registers and household registers of the applicant and spouse (such as proof of marriage between the applicant and spouse) );

2. House purchase and sale contract;

3. Original and 1 copy of the advance payment receipt for a house price of RMB 30 or more;

4. Proof of income of the home buyer (provided by the bank and placed at the sales office);

5. If the borrower is a legal person, he must bring a valid "Enterprise Legal Person Business License" or "Public Enterprise Legal Person License" and the identity of the legal representative Certificates, financial statements, loan cards. If it is a joint-stock enterprise, it is also necessary to provide a company mortgage certificate;

6. Receipt from the developer

What should you pay attention to when issuing an income certificate

In the income certificate for house purchase The authenticity of the information is the focus of the bank. When applying for an income certificate, the home buyer must ensure that the details of his/her identity information and income certificate are preferably complete, such as position, age, and mobile phone, because the bank will focus on checking these aspects

2. Don’t exaggerate your income

In order to meet the loan requirements, some friends will ask for a higher income certificate. If you have this, it should not be too high or too low. The general requirements are In line with the income level of the city, the income level of the industry, and the income level of your own company and job position. And it should be a little more than 2 times the bank's monthly repayment, so it is easy for the bank to find out and refuse the loan, and it is also something that everyone easily ignores.

3. Use a unified format

Different lending banks have different requirements for income certificates issued by home buyers. Some banks do not require income certificates, so everyone is applying for them. You still need to ask the lending bank whether to charge it.

4. Highlight the key points and avoid tediousness

In fact, the content of the income certificate is also very important, but it does not mean that it is good. For example, in addition to basic information such as name, age, position, etc., you can focus on high-value information such as stock dividends and make it "fresh", and copies will be invalid.

2. Bank loan income certificate

In daily study, work and life, everyone is familiar with certificates. Certificates can be divided into organizational certificates and personal certificates. . So, have you mastered the format of the proof? Below is the bank loan income certificate I compiled for your reference. I hope it can help friends in need.

Bank Loan Income Certificate 1xx Bank:

This is to certify that xxxx ID number xx is an employee of the company, works at position xxxx of the company, and has been employed in the company for xxxx years xxxx Monthly, the annual income is xxxxxx yuan; this certificate is only used for employees to apply for car loans and will not be used for other purposes.

This is to prove. Note: Full name of xxxxxx unit: xxxxxx Company telephone switchboard: xxxxxx Address: xxxxxx

Company signature:

Day of xx, month and month of xxxx

Bank loan income certificate Book 2_Bank_Branch:

This is to certify that __________ is a ___________ (formal/short-term contract/temporary) employee of this unit, has been working in our unit for ___________ years, and has an academic qualification of _______________ Graduated and currently holds the position of

__________ in my company. In the past year, the average monthly income (after tax) of this employee in our company is ____________, (capital) ____________________.

The employee's physical condition is ________(good/poor)

This company hereby promises that the above certificates are correct and authentic. If the above certificates are inconsistent with the facts and cause economic losses to your bank, this company guarantees to bear compensation, etc. All legal responsibilities.

Official seal of the certifying unit

Detailed address of the unit:

Contact number of the unit:

Bank loan income certificate 3xxxx Bank xxx branch xxxx branch :

This is to certify that Mr. (Ms.) xxxxx is an employee of our company, with xxx years of working experience, xxx years of working experience in our company, his position is xxx, his position is xx, and his title is xxxx.

The ID number is: xxxx.

The average monthly income is RMB (uppercase) xxxx yuan.

This certificate can only be used when the employee applies for xxxx loan or when the employee applies for xxxx loan for other individuals as a third-party guarantee.

Unit (stamped):

xx, xx, xx

Bank loan income certificate 4 Agricultural Bank of China branch:

(Name and number of ID card) is an employee of our company. He has been working in our company since the date of year, month and year and currently holds a position in the department. The employee's average monthly after-tax income in RMB in the past year (including after-tax wages, bonuses, allowances, housing provident funds, stock dividends and other income).

This unit guarantees that the above certificates are authentic and valid.

(Official seal of the unit) Year, month and day

Unit address

Unit HR department contact person (signature)

Unit HR department landline phone number

Bank Loan Income Certificate 5 To Bank of China:

This is to certify that Mr./Ms. (married, unmarried, divorced) is an active (official temporary) employee of our company, and he is currently in our company Position held, professional title; years of working in our unit, the nature of my unit is. Its average monthly total income is RMB 10,000 (lowercase RMB). The ID number is:. Our company is legally responsible for the authenticity of the information provided above. Hereby certify.

Unit address:

Personnel and labor department contact person:

Telephone number:

Unit seal:

Year, Month, Day

Bank Loan Income Certificate 6, Bank of Communications Jiang'an Branch:

This is to certify that _________(Mr./Ms.) is _________(1. Regular employee, 2. . Contract worker, 3. Temporary worker), has been working in this unit for _____ years continuously, and currently holds the position of _________ in this unit. Currently, the employee’s highest academic qualification is ________, and his physical condition is ________. In the past year, this employee The average monthly income of employees (after tax) is ____________ yuan.

This unit promises that the above information is correct and true. If the above certificate is inconsistent with the facts and causes economic losses to your bank, this unit will The unit is willing to assume all responsibilities.

This is to certify

The official seal of the unit or the seal of the personnel department:

Signature of the person in charge of the personnel department:

Year Date of month

Bank loan income certificate 7 Industrial and Commercial Bank of China Co., Ltd. Zhangzhou Branch:

This is to certify that ___________ (Mr./Ms.), certificate name and number: _______________________________, this is Unit (1. Regular workers, 2. Contract workers, 3. Temporary workers), have been working in this unit for ______ years continuously, and currently hold the position of _____________ in this unit. Currently, the highest educational level of this employee is _____. The average monthly income of the employee within one year (after tax, uppercase)_______________RMB, (lowercase)_______________RMB. Our company promises that the above information provided is true. If the above information is inconsistent with the facts and causes economic losses to your bank, we are willing to bear the corresponding responsibility.

Unit address: _______________ Contact person: _______________ Contact number: ____________________ Official seal of the unit or seal of the authorized department:

Signature of the person in charge of the unit or department:

Year, month, day

Bank loan income certificate 8xxxxx Bank:

xxxxx is a regular employee of our unit, age xxx years old, marital status xxx, administrative position xxxxx, education xxx, professional title xxx, monthly income is as follows:

1. Basic salary xxxxx yuan;

2. Bonus and welfare (subsidy) xxxx yuan;

3. Other income xxxxx yuan;

Total: xxxx yuan, capitalized as xxxx yuan.

Hereby prove it!

Signature of the issuer:

Telephone number of the issuer:

Name of the organization (stamped)

Day xx, month xx, year xx

Certificate of Bank Loan Income 9 Bank of China _ City __ Branch:

This is to certify that Mr. (Ms.) is an employee of our company, with a working experience of 20 years, and a position of 5 years working in our company. , the position is, the title is.

Their ID number is:.

Their average monthly income is RMB (uppercase) yuan.

This certificate can only be used when the employee applies for a loan or when the employee applies for a loan for other individuals as a third-party guarantee.

Unit (stamped):

Year, month and day

3. I work for a wholesaler, how do I issue an income certificate? Will the boss be held responsible after opening?

No

1. It is generally invalid for individual industrial and commercial households to issue proof of income with an official seal.

2. Individual industrial and commercial households need to provide proof of income, which can be obtained from the tax bureau.

3. The tax bureau collects taxes based on the recognized income. This income has a legal basis and is valid.

4. Copies of business license and tax invoices for the past six months.

5. The tax authority issues a tax income certificate.

If the income certificate is found to be fraudulent, it will not pass the bank's review. At this time, if the home buyer needs to request the developer to check out because he cannot get a loan, he will also be liable for breach of contract.

At the same time, if you issue a false income certificate for a loan to buy a house, it is an act of dishonesty. This may also lead to certain legal risks, so the bank can completely use the excuse of fraud. , requesting the revocation of the loan contract.

Extended information

1. When issuing income certificates, pay attention to the format required by the bank.

2. The income certificate must be stamped with a "fresh seal", which means that a photocopy of the income certificate is invalid. (A fresh seal refers to a seal that is stamped with ink on companies, schools, hospitals and other units or individuals when signing documents to represent their units and individuals. It is not a copied seal.)

3. Part Banks do not recognize financial seals, so the seal should be the official seal or personnel seal of the unit. And it must be a medal.

4. The income certificate can be pre-tax income.

5. Annual income should be the total of basic salary, bonuses, benefits, etc. within one year.