Bank Income Certificate 1 Agricultural Bank of China: (ID name and number _ _ _ _ _ _) is an employee of our company, and has been working in our company since, and now works in the department.
Employee's tax payment in the last year
The average monthly income is RMB (salary, bonus, allowance, housing accumulation fund, share dividend and other after-tax income).
We guarantee that the above certificate is true and effective.
(official seal of the company) year, month and day
Unit address
Contact person of personnel department of the unit (signature)
Unit personnel department fixed telephone
Bank Income Certificate 2 This is to certify that _ _ _ _ _ _ _ _ is an employee of our company, who has worked in our company for _ _ _ _ years continuously and graduated from _ _ _ _ _ _. Now he works in _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _. In the past year, the average annual/monthly income of this employee in our company was (after tax) _ _ _ _ _ _ _.
Hereby certify that
Company name: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
Connotation of personal income certificate: including salary (generally referring to the total income of the whole year), copy of pension insurance payment, certificate of own property, certificate of private vehicle, copy of large passbook, foreign exchange, bonds, gold securities account, large life pension dividend policy, etc.
Bank Income Certificate 3 Bank of Communications Jiang 'an Branch
This is to certify that _ _ _ _ _ _ _ (Mr./Ms.) is _ _ _ _ _ _ _ (1). Regular workers, 2. Contract workers, 3. Temporary worker), has been working in our company for _ _ _ _ _ years continuously, and currently works in our company with the position of _ _ _ _.
Our company promises that the above information is correct and true. If the above evidence is inconsistent with the facts, resulting in economic losses of your bank, our company is willing to bear all responsibilities.
Hereby certify that
Official seal of the unit or seal of the personnel department:
Signature of person in charge of personnel department:
date month year
Personal income certificate
Bank income certificate 4 XX Bank XXX Branch:
This is to certify that xx is a xx (formal/short-term contract/temporary) employee of our company, who has been working in our company for xx years continuously, with a graduation degree of xx, and is currently working in our company.
Xx position. The average monthly income (after tax) of this employee in our company for nearly one year is xx, (in words) xx. Employee's physical condition xx (good/bad)
We hereby guarantee that the above certificate is correct and true. If the above certificate is inconsistent with the facts and causes economic losses to your bank, our bank promises to bear all legal responsibilities such as compensation.
Official seal of certifying unit
Unit detailed address:
Unit contact telephone number:
Bank Income Certificate 5 This is Comrade xx, gender X, ID number (military officer's card, passport)No.: X, who has worked in our company since XX, XX, and signed a labor contract with our company for a term of X. At present, he works in X department, and his monthly after-tax salary and salary income is RMB (in words) X, the monthly housing accumulation fund unit payment is RMB (in words) X, and the monthly housing subsidy is RMB (in words)
Special proof.
Official seal of the unit (or personnel and labor seal)
date month year
1, company name:
2, the unit address:
3. Telephone: Postal Code:
4. Name of person in charge of personnel (labor) department:
Proof of bank income of mortgage loan
It also requires the lender to issue a legal and bank-recognized certificate of stable economic income in the past two years. Those freelancers, self-employed, and people without specific work units are not allowed to issue income certificates, but as long as they issue tax receipts for personal income tax paid in the past two years to the bank, ...
If you can't provide such proof of income, you can only find a friend or someone else's company to provide it for you. The required materials include: business license, tax registration and three-month tax bill.
Can individual industrial and commercial households stamp their own income certificates?
The general income certificate is just a seal of the unit. It is more troublesome for individual industrial and commercial households to prove their income. First of all, you need a copy of your business license, tax invoices for the past six months, and a recent tax income certificate ... tax authorities. If it is not a tax income certificate, individual industrial and commercial households can stamp their own income certificate.
Bank income certificate. What if there is no income certificate issued by the unit?
If a private owner is unable to issue a certificate of income, the materials he needs to provide are: business license, tax registration certificate, tax payment certificate (the time for continuous tax payment varies from place to place) or bank deposit slips for the past six months. If you are a freelancer, if you have a deposit, you can provide proof of deposit; If not, you should go to a bank with income to apply for a running list, which can prove that you have continuous income.
2. What is the mortgage amount of proof of income from buying a house?
Please note that in the income certificate you filled out when you were in mortgage to buy a house, your monthly income should be more than twice your monthly repayment. In other words, if your monthly repayment amount is 5000 yuan, then your monthly income should be above 10000.
3. Does the bank only refer to the figures on the income certificate?
If the applicant is currently married, if only one person's income certificate is lower than the monthly repayment amount, then the income certificate of both husband and wife can be sent to apply for a loan, and the bank will also approve it after meeting the conditions. In addition, other assets can also be used as proof of the lender's repayment ability: large deposits, bonds, real estate, etc. The bank will refer to it.
4. Do I need to issue a proof of income to buy a house in full?
Buying a house in full does not require proof of income.
5. What should I do if the amount of personal income certificate does not match the loan amount?
If the house is bought with a wife or parents, that is to say, the names of two people are written on the purchase contract. Then the party concerned can be the primary lender and the wife/parents can be the secondary lender. In this case, the income certificate of parents or wives can also be used as a reference for bank loans.
6. What are the precautions for issuing income certificates?
1. Pay attention to the necessary format when issuing income certificates: some banks have uniform format regulations, while others do not. When issuing an income certificate, you need to ask the loan bank about the specific situation.
2. The income certificate must be stamped with a "fresh stamp", which means that you must go to the unit to stamp the official seal and submit the original instead of a copy.
3. The seal must be the financial seal or official seal of the lender's unit, and many banks have regulations that it must be a circular seal.
In fact, the annual income includes not only the amount sent to the bank card every month, but also the sum of bonuses and benefits, and personal income tax and insurance premium are deducted.
The loan application is written like this:
First of all, write the loan application in the middle and write it in a bigger font. Then, draw another line in the top box and write "bank". Then, mention one more line and start writing the applicant's name, gender, age, ID number and contact number in turn. Then write down the name, age, ID number and contact number of the husband or wife. Let's describe the number of family members, the number of workers, and detailed family assets, including valuable assets, such as housing and the value of these assets. Then describe the income source, main occupation and annual income of family members.
Second, write down the reasons for a loan, such as how many tens of thousands of funds are needed to grow gastrodia elata, how many tens of thousands of funds have been raised by yourself so far, what kind of loan you need to apply to your bank, how much you need and how long the term is. What income do I promise to use to repay your loan? I promise to pay off the interest on time and repay the principal when due to ensure the safety of your bank's funds. Otherwise, I am willing to bear all the consequences and legal responsibilities.
Third, finally sign the names of both husband and wife in the lower right corner and write down the application date.
Bank income certificate 7 xxx (ID number: xxxxx) is an employee of our company, who has been working in our company since xx, xx, and now xx holds the post of xx. In the past year, the average monthly income of this employee was RMB xx. XX XX XX XX XX XX XX XX XX XX XX XX XX XX XX XX XX XX XX XX XX XX XX XX XX XX XX XX XX XX XX XX XX XX XX XX XX XX XX XX XX XX XX XX XX XX XX XX XX XX X X XX XX XX XX XX XX XX XX XX XX XX XX XX XX XX XX XX XX XX XX XX XX XX XX XX XX XX XX XX XX XX XX
We guarantee that the above certificate is true and effective.
Address: xxx
Person in charge of the unit (signature): xxx
(official seal of the company): xxx
Xx year xx month xx day
Bank income certificate of 8 xx Housing Provident Fund Management Center:
This is to certify that Ms. IDNo. is an employee of our unit (official), and her salary expenses are as follows:
The employee's monthly salary expenditure (actually paid) is RMB 100,000.00 Yuan (in figures).
This unit is responsible for the authenticity of the above certificate.
Hereby certify that
Unit signature
date month year
Bank Income Certificate 9 xx Rural Commercial Bank _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ (branch):
This is to certify that _ _ _ _ _ _ _ _ _ is a regular employee of our company. The current post is _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
This unit promises that the above information is true and effective.
Handler: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
Tel: _ _ _ _ _ _ _ _ _ _ _
Company name: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
Official seal of the unit:
_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
Bank Income Certificate 10 China Industrial and Commercial Bank Co., Ltd. _ _ _ _ _ _ _ _:
This is to certify that the name and telephone number of _ _ _ _ _ _ _ _ _ (Ms./Mr.) is _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ At present, the highest education of employees is _ _ _ _ _ _ _ _, and the average monthly income (after tax) of employees in the past year is _ _ _ _ _ _ _ _.
The above information promised by our unit is true. If the above information is inconsistent with the facts, your bank will bear the corresponding responsibilities.
Address of the company: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
Contact person: _ _ _ _ _ _ _
Tel: _ _ _ _ _ _ _ _ _ _ _ _
Official seal of unit or seal of authorized department:
Signature of the person in charge of the unit or department:
date month year
Tip:
Supplementary Notice of China Banking Regulatory Commission of the People's Bank of China on Strengthening the Credit Management of Commercial Real Estate (Yinfa [〔20xx〕]No.)
No.552) Article 4 stipulates that commercial banks should earnestly fulfill their obligation to inform and require borrowers to submit real proof materials such as real estate, income, household registration and tax payment according to the principle of good faith. All commercial banks shall not accept their credit applications if they find that they have filled in false information or provided false certificates. Commercial banks shall not accept false income certificates issued by verified units.
For the above borrowers and units, commercial banks should report to their local banking associations in a timely manner, and the banking associations are responsible for collecting the above information and reporting it, and the regulatory authorities will include it in the key inspection contents.
Bank Income Certificate 1 1 This is to certify that _ _ _ (ID number: _ _ _ _ _ _) is a formal employee of our company, who:
1, the current position is _ _ _ _ _
2. Our company has signed a labor contract with our company for a period of _ _ _ _ _ _ _ _ _ _ _ _ _ years.
3. The average monthly income before tax is RMB yuan, including salary income, bonus and allowance income.
Contact telephone number of personnel and labor department:
Contact person of personnel and labor department:
Our unit guarantees that the above contents are true.
Seal of personnel and labor department of the unit:
_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
Bank income certificate 12 xx bank:
I am engaged in stable business, with an annual income of RMB million and an average monthly income of RMB (the tax payment certificate is attached). I am responsible for the authenticity and legality of the above documents. If there is any falsehood, I am willing to unconditionally accept the bank's disposal of personal property.
Hereby certify that
(signature and handprint):
20xx year x month x day
Bank Income Certificate 13 This is to certify that Mr. _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ Our company (unit) guarantees that the above income certificate is correct and true. If it is inconsistent with the income of the company (unit) where the employee belongs, our company (unit) is willing to bear the corresponding responsibility.
Hereby certify!
Employee ID number:
Filled by: unit (official seal)
Unit address:
Contact information of the unit (personnel and labor department):
Signature of person in charge of personnel:
date month year
Bank Income Certificate 14 This is to certify that Ms./Mr. (ID number:) is a regular employee of this unit and has worked in this unit for many years. The monthly income is RMB. Hereby certify!
This certificate is only used for xxx bank credit card, which only proves the authenticity of the information, and the unit does not assume any guarantee responsibility.
Xxx company
Xx，xx，XX，XX
Bank income certificate 15 This is a comrade, with the name and number of the certificate. He is an employee of our company (temporary re-employment under contract system) and has worked in our company for many years, with the longest contract period of xx years. His monthly average after-tax income is RMB (in words) (including salary, subsidies, bonuses and dividends), and the monthly unit contribution of housing provident fund is RMB (in words). This is to certify that.
The unit stated that:
(-) The above certificate is true and correct, and our unit shall bear corresponding legal responsibilities for it.
(2) The copy of this employment and income certificate is invalid.
Official Seal of Personnel (Labor) Department
Date: Year Month Day