In life, work and study, there are still many places where certificates are used. According to different purposes, the types of certificates are different. So do you really know how to write a good certificate? The following is the personal loan income certificate I collected for you. I hope it will help you.
Personal loan income certificate 1
Tongcheng Branch of China xx Bank Co., Ltd.:
_ _ _ _ _ _ _ _ _ is my company _ _ _ _ _ _ _ (work), and the average income in the last three months is RMB (in words) _ _ _ _ _ _ _ _ _ _ _ _. (including all kinds of fixed bonuses and subsidies), our unit guarantees that the above-mentioned income certificates provided are clear and true, otherwise we are willing to bear all legal responsibilities arising therefrom.
Hereby declare.
Unit seal
Date, year and month
Personal loan income certificate II
This is to certify that he is an employee of our company, and his ID number is. This employee has been working in our company since, and his current position (title) is. The employee's monthly salary is RMB (in words) and RMB (in figures).
Our unit promises that the above certificates are true, and if they are not true (please continue to pay attention to this site:), we are willing to bear all responsibilities.
This is to certify that.
Official seal of the unit:
Date, year and month
Address of unit: Handler:
Contact telephone number:
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).
Personal loan income certificate 3
To the bank:
This is to certify that Mr./Ms. (married, unmarried, divorced) is an on-the-job employee (formal and temporary) of our company, and now holds the position and title of our company; I have worked in the company for many years. The nature of the company is.
Its total monthly income is RMB ten thousand one hundred Yuan only (in figures ￥).
The ID number is:
My unit is legally responsible for the authenticity of the above information.
Hereby.
Unit address:
Contact person of personnel and labor department:
Contact telephone number:
Seal of unit:
Date, year and month
Personal loan income certificate 4
1. How to open the personal loan income certificate?
Personal loan salary certificate requires income certificate, generally monthly income, that is, after-tax salary, bonus allowance, housing provident fund, share dividend and other income, but it should be noted that different bank income certificate formats are different. Moreover, some companies also have their own fixed income proof model, and the specific situation needs to be analyzed according to the situation of banks and units.
If there is a payment certificate issued by the work unit, you need to pay attention to the necessary contents of the format, such as personal name, ID card, position, payroll, length of service, etc. There is also the official seal or personnel seal of the company, and the copy is invalid. In addition, the signature of the person in charge of the company's address unit is required.
If the income before tax is paid, personal income tax needs to be deducted, and the income after the average monthly income must meet more than twice the monthly supply plus liabilities. The bank will ask the borrower to provide a monthly income, which is more than twice the sum of his monthly repayment and other liabilities.
2. What are the conditions for interest-free loans?
1. identification and business premises
The loan applicant must have a legal and valid identity certificate, proof of legal residence in the place where the loan bank is located, and a fixed residence or business place. The certificate of fixed residence can be the real estate license (or the real estate license of parents' names), and the certificate of business place should hold the business license issued by the administrative department for industry and commerce and the business license of related industries, indicating that it is engaged in normal production and business activities.
2. Proof of funds
The loan applicant's investment project requires that he already has some self-owned funds. This is an important condition for banks to measure whether to lend, because the amount of venture loans generally does not exceed 70% of the total amount of funds needed by lenders for normal production and business activities and for purchasing (installing or repairing) small equipment and franchising.
3. Settlement account
The loan applicant must open a settlement account with the loan bank, and the operating income must be settled by the bank. Moreover, the purpose of the loan conforms to the provisions of relevant national laws and bank credit policies, and shall not be used for other speculative investment projects such as equity.
4. Letter of loan guarantee
Loan applicants need to provide certain guarantees, including real estate mortgage, certificate of deposit pledge, third-party guarantee, etc. In addition, they should also provide banks with some information about their credit status, repayment ability and loan investment as much as possible, which will increase the credibility of loans and help them get loans smoothly.
Third, the legal basis in contract law and commercial bank law.
Contract law of the people's Republic of China
Article 199 stipulates: "When concluding a loan contract, the borrower shall provide the true information about the business activities and financial situation related to the loan according to the requirements of the lender."
Article 202 stipulates: "The lender may inspect and supervise the use of the loan in accordance with the agreement. The borrower shall provide relevant financial and accounting statements and other materials to the lender on a regular basis as agreed. "
People's Republic of China (PRC) Commercial Bank Law
Article 35 stipulates: "Commercial banks should strictly examine the borrower's loan purpose, repayment ability and repayment method."
From the full text, we can easily see that whether in the Contract Law, the Loan Contract Regulations, the Commercial Bank Law, or in the actual application requirements, the state implements "combining leniency with severity" for loans, that is, providing loan channels, but there are certain requirements for loan application conditions. How to prove that personal loan income is just one of them. I think it is very good to find a legal network, so that people who really need loans can borrow the funds they need and avoid it.
Personal loan income certificate 5
Xxxx Branch of China Industrial and Commercial Bank Co., Ltd.:
This is to certify that the ID number of _ _ _ _ _ _ _ _ (Mr./Ms.) is _ _ _ _ _ _ _ _ _.
He is a _ _ _ _ _ _ (1. Regular workers, 2. Contract workers, 3. Temporary workers), who have already worked in this unit for _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
The above information promised by our unit is true. If the above information is inconsistent with the facts, resulting in your bank's economic losses, we are willing to bear the corresponding responsibilities.
Unit address:
Contact person:
Contact telephone number:
Official seal of unit or seal of authorized department:
Signature of the person in charge of the unit or department:
date month year
Personal loan income certificate 6
_ _ _ _ _ _ _ Bank:
This is to certify that _ _ _ _ _ _ _ _ _ _ is an employee of our company, with a fixed monthly income of _ _ _ _ _ _ _ and an annual income of _ _ _ _. This certificate is only used to apply for _ _ _ _ _ _ _ _ _ _ _, and it is not responsible for the legal and debt liabilities of employees.
Company seal: _ _ _ _ _ _ _ _ _ _ _
Date: _ _ _ _ _ _ _ _ _ _ _ _ _
Personal loan income certificate 7
_ _ _ _ _ _ _ _ _ Bank:
_ _ _ _ _ _ _ (certificate type: _ _ _ _ _ _ _ _, certificate number: _ _ _ _ _ _ _ _ _) Mr./Ms. is a formal employee of our company, and now she is _ _ _ _ _ _ _ _ _. Colleague's office phone number: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
This colleague has been working in our company since _ _ _ _ _ _ _ _.
The current marital status is: _ _ _ _ _ _ (married, unmarried, divorced, widowed).
Upon verification, the above situation is true, and our unit is fully aware of the legal effect of this certificate, and shall bear corresponding legal responsibilities for the authenticity of this certificate.
_ _ _ _ _ _ _ _ _ _ _ _ _ _ (official seal of the company)
Person in charge: _ _ _ _ _ _
_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
Remarks: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
The legal address of the company is: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _.
Contact person of human resources or labor management department: _ _ _ _ _ _ _ _ _ _ _ Tel: _ _ _ _ _ _ _ _ _ _ _
Personal loan income certificate 8
Bank of Jiangsu Xuzhou branch
This is to certify that (Mr) is a regular employee of this unit (1. 2. Contract workers; 3. Temporary workers), who have worked continuously in this unit for many years, are currently working in this unit. At present, the highest education of employees is physical condition. Average monthly income of employees in the past year (after tax)
It's RMB. Our company promises that the above information is correct and true. If the income of the above-mentioned witness in our company changes, our company will inform your bank in time.
Hereby certify that
The official seal of the unit or the seal of the personnel department
Signature of person in charge:
Date, year and month
Note: If the borrower is a self-employed, employee of distribution department, supply department or bank, he/she should provide proof of income for 3 months to 6 months or even longer as required (mainly including but not limited to the most commonly used passbook details, bank card details, personal tax payment certificate and other materials).
Personal loan income certificate 9
This is to certify that _ _ _ _ _ _ (Mr./Ms.) is _ _ _ _ _ _ (1. Regular employees of this unit; 2. Contract workers; 3. Temporary worker), who has been working in this unit for _ _ _ years continuously, and currently works in this unit with the post of _ _ _ _ _ _ _ _. At present, the highest education of employees is _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _. The employee's average monthly income (after tax) in the past year was RMB _ _ _ _ _ _ _ _. We promise that the above information is correct and true. If the above certificate is inconsistent with the facts and causes economic losses to your bank, we are willing to bear all responsibilities. This is to certify that.
Official seal of the unit or seal of the personnel department:
Signature of person in charge of personnel department:
Date, year and month
Proof of income (company-specific)
This is to certify that the employee of our company: _ _ _ _ _ _, ID number (passport number): _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
Hereby certify!
Our unit guarantees that the information provided is true and reliable. This income certificate is only used for employees to apply for loans from your bank.
Personnel contact:
Contact telephone number:
Unit address:
Seal of unit:
Date: Year Month Day
Personal loan income certificate 10
To China Bank and XXXX Bank:
This is to certify that Mr./Ms. xx (married, unmarried, divorced) is an on-the-job employee of our company (officially attached), and now works in our company with the post of XX; I have worked in my company for X years, and the nature of the company is xx.
Its total monthly income is RMB ten thousand one hundred Yuan only (in figures ￥xx).
The ID number is:
My unit is legally responsible for the authenticity of the above information.
This is to certify that.
Unit address:
Contact person of personnel and labor department:
Contact telephone number:
Seal of unit:
X year x month x day
Personal loan income certificate 1 1
XX bank XXX branch:
This is to certify that _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _. The employee's physical condition is _ _ _ _ _ _ _ (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.
Official seal of certifying unit
Unit detailed address:
Unit contact telephone number:
Personal loan income certificate 12
This is to certify that _ _ _ _ _ _ _ _ _ _ (ID number: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
This is to certify that.
This certificate is only used to prove the work and salary income of our employees, and is not used as any form of guarantee document for employees.
Name of unit (seal)
_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
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.
Matters needing attention in the model certificate of mortgage income
First: Pay attention to the necessary format when issuing the income certificate.
Second: the income certificate must be stamped with a "fresh stamp", that is, the copy of the income certificate is invalid.
Third: the seal must be the financial seal or the official seal of the unit. And it must be a round stamp.
Personal loan income certificate 13
_ _ _ _ _ _ _ _ _ Bank _ _ _ _ _ _ _ Branch:
This is to certify that _ _ _ _ _ _ _ _ (Mr./Ms.) is:
1. Our company _ _ _ _ _ _ _ _ (full-time, contract and temporary workers) has worked in our company for (in words) years.
2. His post (type of work) is _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
3. His position is _ _ _ _ _ _ _ _ _ _ (ordinary employee, department head, unit head, unit investor), and he has held this position for (in words) _ _ _ _ _ _ _.
4. His monthly income after paying provident fund, supplementary provident fund, pension, medical insurance, unemployment insurance and individual tax adjustment: RMB (in words). _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
In addition, the basic provident fund shall be paid monthly: RMB (in words) _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _.
This is to certify that the above situation is true!
Company contact address: xxx
Contact number of personnel department: xxx
Tel: xxx
Seal of unit: xxx
Signature of person in charge of personnel department: xxx
Xx year x month x day
Personal loan income certificate 14
Credit Information Management Office of Chongqing Business Management Department of China People's Bank:
This is to certify that ""(ID number:) provides a guarantee for the credit business of Chongqing X Company in our bank, and our bank agrees to establish a credit relationship with it.
(Note: The forms of proof of credit relationship of unincorporated enterprises are basically the same, please write clearly the credit type).
X bank stamped its official seal.
X year xx month xx day
Personal loan income certificate 15
This is to certify that he is an employee of our company, and his ID number is. This employee has been working in our company since, and his current position (title) is. The average monthly income of this employee is RMB (in figures).
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.
This is to certify that.
Official seal of the unit:
Date, year and month
Unit address:
Handler:
Contact telephone number:
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).
How to open the loan income certificate?
Each bank has different requirements for proof of income. Some banks have a unified format, while others have no requirements. You can ask the loan bank in advance, and if there is a unified format, you can ask the bank to give a copy.
Generally, it is necessary to ask the human resources department of the unit to issue an income certificate, which includes the following items:
1. Write the other company clearly in the title. Like a bank.
2. Information of the attested person. This is to certify that XXX with ID number (XX) is an employee of our company.
3. Write your personal income clearly. This comrade works in XXX position of our company, with an annual income of XX million yuan.
4. Write clearly the purpose of the certificate. For example, this certificate is only used for employee housing loans, not for other purposes. This is to certify that.
5, write clearly the name of the unit. Including the full name of the unit, office address, contact telephone number, etc.
6. Write down the person in charge. This item is mainly for the convenience of the other party to verify.
7. Write down the year, month and day, the name of the unit and department, and affix the special seal.