In normal study, work and life, everyone will inevitably come into contact with proof, which is a kind of certificate to prove their identity, experience or the authenticity of something. What problems should be paid attention to in the proof? The following is my carefully compiled loan certificate. Welcome to reading. I hope you will like it.
Loan certificate 1
This is to certify that xx is an employee of our unit, who has worked in this unit for xx years continuously, with a graduation degree of xx. At present, I hold the post of xx in our unit. In the past year, the average monthly income (after tax) of this employee in our company was RMB xx (in words: RMB xx million, RMB xx thousand and RMB xx hundred). Employee's physical condition xx (good, poor).
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.
Hereby certify that
Official seal of unit
Xx year xx month xx day
Loan certificate 2
This is to certify that xxx, the son (female) of my township (town) xxx (parents' name), was admitted to your school in xx. Because of xxx, the family is in financial difficulties. I hope that schools and banks can provide them with national student loans to help them complete their studies smoothly.
xxx
Xx year xx month xx day
Loan certificate 3
This is to certify that Mr. (Ms.) is an employee of our company and has worked in our company for many years. His position is (medium and long term; Short-term; Labor dispatch; Other), the title is, whether the employee has any irregularities that affect the credit status (yes; None). Its ID number is: its average monthly income in recent 12 months is RMB (in words).
Hereby certify!
Unit contact telephone number:
Certification unit (official seal):
Date, year and month
Loan certificate 4
_ _ _ _ _ College:
He is from a province (county) town (villagers' committee or residents' committee). He was admitted to XXXX University in 2xxx. His family life is difficult (please fill in the reasons for the applicant's family financial difficulties). My parents farm at home and earn about 300 yuan every month. His brother works in a computer school in Guangzhou, and his monthly income is around 600 yuan. In the autumn of 20xx, he and his younger brother were admitted to the university at the same time, and his family's economic income was low, so he planned to apply for a student loan.
This is to certify that.
Handler:
Villagers (or residents) committee (official seal)
The above situation is true.
Handler:
People's governments above offices and towns (civil affairs departments)
(official seal)
Xxxx，xxxx，xx，xx
Loan certificate 5
_ _ _ _ _ Housing Provident Fund Management Center:
_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ Mr./Ms.
The employee's monthly salary income (paid) is _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _. Up to now, the employee has participated in the housing provident fund system in our unit.
Hereby certify that
This unit is responsible for the authenticity of the above certificate.
Department in charge of the unit (signature)
20____ _ _ _ _ _ _ _ _ _ _ _ _
Loan certificate 6
We have the following information about our employees for your reference.
I. Working in this unit: _ _ _ _ _ _ _
2. Working years in our company: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
Three. My monthly income: _ _ _ _ _ _ (including salary, various allowances and bonuses, etc. )
Four. My ID number: _ _ _ _ _ _ _
Verb (abbreviation of verb) Company Tel: _ _ _ _ _ _ _ Signature of the person in charge of the company: _ _ _ _ _ _ _ _
Hereby certify that
The official seal of the unit or the seal of the personnel and labor department
_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
Loan certificate 7
Bank of China Xx Branch:
This is to certify that Mr. (Ms.) xxx is an employee of our company, with working experience of xx years, working experience of xx years, position of xx and professional title of xx.
Its ID number is: xx.
Its average monthly income is RMB (in words) xx yuan.
This certificate is only used when employees apply for xx loans or employees apply for xx loans for other individuals as a third-party guarantee.
Unit (seal):
Xxxx，xxxx，xx，xx
Loan certificate 8
_ _ _ _ _ _ (school):
The parents of _ _ _ _ _ _ _ students in your school are local residents, and the basic family situation is as follows:
1. The family population is _ _ _ _ people, and the annual family income is about _ _ _ _ _ yuan;
Two. Main income source: _ _ _ _ _ _ _ (fill in)
Three. At present, the main family difficulties: □ single source of income □ less labor force □ higher medical expenses □ others (fill in) are indeed poor families. This is to certify that.
Villagers' committees (neighborhood committees) townships and towns (inclusive) or
Or the civil affairs department above the street where the family contact is located.
Unit seal: unit seal:
_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
Contact number of seal unit: Contact number of seal unit:
Loan certificate 9
_ _ _ _ _ _ Housing Provident Fund Management Center:
This is to certify that _ _ _ _ _ _ _ _ _ _ is a formal employee of our company, with the ID number of _ _ _ _ _ _ _ _ _ _ _ _ _ _, and the monthly income in the last three months is _ _ _ _ _ _ _ _ _ _ _ _ _ Yuan only. _ _ _ _ _ _ _ _ month _ _ _ _ _ _ exactly; _ _ _ _ _ _ _ _ _ _ _ _ exactly; The annual income is _ _ _ _ _ _ yuan only.
Now he holds the post of _ _ _ _ _ _ _ _ _; Have _ _ _ _ _ _ _ _ _ _ education and _ _ _ _ _ _ _ _ _ _ _ _ _.
Company certificate (signature): _ _ _ _ _ _
Verification phone number: _ _ _ _ _ _
Certification unit (seal): _ _ _ _ _ _
_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
Note: 1, please fill in with pen or carbon pen;
2. It is invalid without the signature of the witness.
Loan certificate 10
This is a comrade, gender, ID number (military officer's card, passport):, who has been working in our company since _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
Special proof.
Official seal of the unit (or personnel and labor seal)
_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
1, company name: _ _ _ _ _ _ _ _ _ _ _
2. Company address: _ _ _ _ _ _ _ _ _
3. Tel: _ _ _ _ _ _
Postal code: _ _ _ _ _ _
4. Name of person in charge of personnel (labor) department: _ _ _ _ _ _ _ _ _
Loan certificate 1 1
_ _ _ _ _ _ Housing Provident Fund Management Center:
Mr. (Ms.), with ID number, is an employee (formal/on-the-job) of our company. He applied to your center for housing provident fund loan for purchasing a house, and now he is certified to have the following salary and income:
The employee's monthly salary income (actually paid) is RMB one hundred and ten thousand (in figures). Up to now, the participation of employees in the housing provident fund system is as follows:
1. Our company has participated in the housing provident fund system, and the personal housing provident fund account number is:
2. I haven't participated in the housing provident fund system in my company.
Hereby certify that
We hereby promise that the above salary is true. If employees can't repay the loan principal and interest of your bank, we won't be jointly and severally liable for compensation.
Department in charge of unit wage (signature)
Date, year and month
Unit address:
Contact person of payroll department: Tel:
Personal income certificate is one of the important materials to check the repayment ability when applying for housing provident fund loans. In order to facilitate your application for housing provident fund loans, please fill in the following requirements carefully:
1, monthly salary income (actual amount) should be truthfully filled in to prevent it from being inconsistent with your monthly housing provident fund deposit;
2, stamped with the seal of the competent department of wages or the official seal of the unit, the main name of the seal used must be consistent with the name of the unit housing provident fund account;
3. All items shall not be left blank to facilitate verification when approving housing provident fund loans, and certificates shall be issued in the month or last month of the application date;
4. Personal income certificate should be printed and filled out by computer as far as possible to ensure its standardization.
Loan certificate 12
This is to certify that Yang Wangxiang, the chairman of Yunnan Wanglong Investment Co., Ltd., borrowed RMB xxx Yuan only (xx00000 Yuan) from Cangshan Road Sub-branch of China CITIC Bank, and all the loans were used to purchase steel and sold to Yunnan Baodingju Real Estate Development Co., Ltd.
Hereby declare!
Signature of Lender:
date
Loan certificate 13
_ _ _ _ _ _ _ Housing Provident Fund Management Center:
This is Mr. _ _ _ _ _ _ _
At present, the employee's monthly income (paid-in) is _ _ _ _ _ _ _ _ _ _ _.
As of the date of issuance of this certificate, the deposit of employee housing provident fund is as follows:
1. I participated in the housing provident fund system in our company, and my personal housing provident fund account number is _ _ _ _ _ _.
2. I haven't participated in the housing provident fund system in my company.
Our unit promises that the above certificates are true, and if they are inconsistent with the facts, our unit is willing to bear all responsibilities.
Department in charge of unit wage (signature)
Date of Issue: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
Company address: _ _ _ _ _ _ _ _
Contact person of payroll department: _ _ _ _ _ _ _
Tel: _ _ _ _ _ _
Precautions:
1. This certificate is invalid if altered.
2. This certificate is valid for 30 days from the date of issuance (including the date of issuance).
Loan certificate 14
XX housing management bureau XX branch:
Borrower XX (ID number: XX) borrowed RMB10,000.00 yuan from our company on October 20th, XX, with the loan contract number of XX Loan (Debit) Zi (XX) No.0121,located at No.3 XX Garden, XX Road.
The relevant information of his right registration is as follows:
No. of other rights certificate:No. xx of real estate other rights certificate. ：
Property ownership certificate number: joint production XX;
Hereby certify!
XXXX Limited
20xx 165438+ 10/0/9
Loan certificate 15
This is a comrade, a regular employee of my unit, with ID number, high education (primary school, middle school, higher education), unmarried (married, unmarried, divorced), and on-the-job. His salary income in these three months is 7,000 yuan in March, 7,000 yuan in April and 7,000 yuan in May respectively. This is to certify that.
The above certificate is true and correct, and our unit shall bear corresponding legal responsibilities for it.
Official seal of the unit:
20xx Remarks on June 20th:
1, full name of the company:
2. Legal address:
3. Name of the person in charge of the personnel (labor) department or unit:
4. Contact number:
5. Postal code:
How to open the loan certificate
When issuing a loan certificate, you need to bring the income certificate issued by the unit and the personal loan related information issued by the bank to the loan bank.
Specific steps:
1. Income certificate: To issue an income certificate, the lender needs to ask the financial department or human resources department of the unit to issue an income certificate in the format specified by the bank. The main information on the certificate includes monthly income, working years, insurance, etc.
2. Bank running water: The bank running water certificate requires the lender to bring his identity certificate and print it at the bank counter where the personal account is opened. The term varies according to the requirements of the lending bank, and the time period of running water certificate ranges from 6 months to 24 months;
Loan requirements: 1. The lender is required to be a citizen of China, under the age of 65, with full capacity for civil conduct in the place where the loan bank is located, and have permanent residence and proof of permanent residence;
2. Require the lender to have a legal occupation and a stable source of income, and have the ability to repay the loan principal and interest on schedule;
3. Require the lender to have a good personal credit record, strong repayment ability and no credit stain on the personal credit report;
4. Require the lender to provide legal and effective guarantee recognized by the bank;
5. Lenders should give the bank a clear loan purpose in line with national laws and regulations before lending.
Note: 1. On the income certificate issued by the unit, it is best that the monthly income is twice the monthly repayment amount, otherwise it is difficult to get a loan; 2. The bank running water certificate required to issue the loan certificate is not that the bigger the running water, the better. Banks pay more attention to the balance entry. The bank's loan amount will also fluctuate according to other property certificates, such as car driving license, time deposit certificate, house lease certificate, etc. , which can be used as proof that the lender has sufficient repayment ability.
How to open a bank loan certificate
There are three ways to open a bank loan certificate:
1. Bring your personal ID card to the loan bank outlet, and the outlet staff will make inquiries and issue a loan certificate.
2. You can enter ID card information on the bank self-service business processing machine, and view and print personal loans.
3. You can log on to the online banking platform of the loan bank and query personal account information in online banking. If there is a loan, it will be fully reflected on the online banking page. Operating environment; Apple 12iOS 14
(1) Bank loan refers to an economic behavior in which banks distribute funds to people in need of funds at a certain interest rate according to national policies and return them within the agreed time limit. Generally, you need a guarantee, a house mortgage, proof of income and good personal credit information before you can apply.
② In different countries and different development periods of a country, the types of loans classified according to various standards are also different. For example, industrial and commercial loans in the United States mainly include ordinary loan limits, working capital loans, standby loan commitments, and project loans. In Britain, industrial and commercial loans mostly take the form of bill discount, credit account and overdraft account.
③ The repayment methods of bank loans are generally divided into two types, namely equal principal and interest repayment and equal principal repayment.
Matching principal and interest repayment means matching principal and interest and repayment on schedule, while the average capital adopts the repayment method of reducing residual principal and interest.
In addition, for some loan types, some banks also provide repayment methods such as one-time payment, monthly interest payment and early repayment.
(4) the benefits of bank loans:
1) There are many national support policies. There are many support policies for self-employed or small and medium-sized enterprises in general countries, among which low interest or interest-free policies are the main ones.
2) Bank loans are fast. As long as the information you submit meets the requirements of the bank, and your personal credit is good and you have collateral, you will get a bank loan soon.
3) The bank loan interest rate is low. Compared with other lending institutions or companies, the interest rate of bank loans is relatively low, which can reduce the repayment cost and pressure of individuals or small and medium-sized enterprises.
How to open the loan certificate of Agricultural Bank?
There are three ways to open a bank loan certificate: 1. Bring your personal ID card to the business outlet of the loan bank, and the staff of the outlet will inquire and issue the loan certificate. 2. You can enter ID card information on the bank self-service business processing machine, and view and print personal loans. 3. You can log on to the online banking platform of the loan bank and query personal account information in online banking. If there is a loan, it will be fully reflected on the online banking page.
Customers are advised to choose formal banking channels to apply for loans, such as ABC's "Netjet Loan". Netjet loan refers to a small consumer loan issued by Agricultural Bank of China to individual customers of Agricultural Bank of China who meet certain conditions, with self-application, quick receipt and self-credit. Online lending has realized the processes of self-service application, automatic approval, online signing of credit contract and self-service credit use. The application process is as follows: (1) The borrower logs into the online channels (personal online banking and handheld banking) designated by Agricultural Bank of China, and enters the "Netjet Loan" application interface. (2) The borrower understands the product situation, basic loan conditions and handling procedures of NetJet Loan. (three) fill in the basic information, the proposed loan period, loan and repayment account, mailing address, etc. (4) The system verifies the validity of the mobile phone number. (5) Signing the Power of Attorney for Personal Credit Business online. (six) to confirm the loan information, the amount and purpose of the loan application. (7) After the applicant reads and signs the Personal Self-help Micro-credit Consumer Loan Contract online and completely fills in the application information, he submits the loan application. The maximum loan amount is 300,000 yuan and the minimum is 3,000 yuan; The specific amount of the customer will be approved according to the customer's business situation in ABC.
Loan certificates are generally divided into loan certificates for studying abroad and credit certificates.