Using fake official seals to prove housing loan income is definitely problematic.
Anyone who uses a fake official seal shall be investigated for legal responsibility. Related information:
1, the so-called income certificate is an economic income certificate that China citizens need in their daily production, life and business activities. Generally, visas, bank loans and credit cards are required to be issued by relevant units. It is one of the main reference contents when handling house mortgage, which directly reflects the repayment ability of the handler.
2. Complete, true and reliable proof of wage income is one of the important basis for personal loan credit acceptance investigation and approval decision. The Guidelines on Risk Management of Commercial Banks' Real Estate Loans issued by the CBRC stipulates that commercial banks should judge the rationality of borrowers' current income and the impact of future industry development on income level through the information of borrowers' age, education, working years, occupation and working years.
3. Each bank has different requirements for proof of income. Some banks have a unified format, while others don't. You can ask the loan bank in advance, and if there is a unified format, you can ask the bank to give a copy.
Second, will false income certificates be investigated? How do unemployed people open proof of income when buying a house?
When applying for a loan, proof of income and salary flow are all necessary materials. Banks need these materials to determine the working hours and repayment ability of borrowers. If they can't provide it, it will be difficult to apply for a mortgage loan from the bank. Will the fake income certificate be checked? How do unemployed people open proof of income when buying a house?
Will the fake income certificate be checked? As long as the borrower submits proof of income, whether it is true or not, the bank will verify the authenticity. If it is false, the borrower needs to bear legal responsibility. A fine of less than 4,000 yuan, control of more than 4,000 yuan, criminal detention of more than 5,000 yuan, and six months for more than 10000 yuan. Most financial institutions have realized information sharing. Once the fake income certificate loan is discovered by the bank, it will also be rejected by most financial institutions, which will also affect the borrower's personal credit record and produce bad credit records. False proof of income is also easy to check, because the bank can check the borrower's account flow, and as long as it finds a discrepancy, it will know that the borrower applied for a loan with a false proof of salary. Even if a loan is successfully obtained by providing false proof of income, once it is found out by the bank, the borrower will be required to repay the loan in advance or recover the loan. How do unemployed people open proof of income when buying a house? 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. If private owners are unable to issue income certificates, they need to provide: industrial and commercial business license, tax registration certificate, tax payment certificate (continuous tax payment time varies from place to place) or bank deposit slips for nearly six months. The above is "will I check the false income certificate?" I hope I can help you!
Third, use a fake official seal to prove the house loan income. Will it be okay if it is found out?
Using fake official seals to prove housing loan income is definitely problematic. Anyone who uses a fake official seal shall be investigated for legal responsibility.
Related information:
1. The so-called proof of income is one of the main reference contents that China citizens are usually required to produce when applying for visas, bank loans, credit cards, etc. In their daily production, life and business activities, this directly reflects the repayment ability of the handlers.
2. A complete, true and reliable "wage income certificate" is the basis for the adjustment of personal loan credit acceptance. The Guidelines for Risk Management of Commercial Banks' Real Estate Loans issued by the China Banking Regulatory Commission stipulates that information such as business calendar, working years, occupation and working years can judge the rationality of the borrower's current income and the impact of future industry development on the income level.
3. 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 to let the bank have a unified format.