Prove that the income is not so risky, just as a reference for bank loans.
What are the risks of buying a house with a loan and opening a fake income certificate?
(1) Banks sue enterprises
In order to satisfy employees to buy a house and a car, the company issued a false income certificate stamped with the official seal of the company, and the bank issued loans to employees according to this certificate. If the monthly repayment amount exceeds the employee's actual income, the employee will be unable to bear it and can only interrupt the bank repayment. If the bank verifies, it will find that the unit has issued a false income certificate, then the bank can sue the unit and the employee to the court together and demand joint repayment obligations.
(2) labor disputes.
In order to get higher lost time expenses from the responsible party when employees encounter traffic accidents, enterprises should issue false income certificates that exceed their actual income at the request of employees.
(3) bear the responsibility of perjury.
After the employee's family members were injured at work, the employee himself participated in the care of the family members. When issuing income certificates for nursing lost time, the company issued false income certificates to satisfy employees' desire for more compensation.
(4) the existence of labor relations.
Sometimes, although some employees have left their jobs and have not gone through the resignation procedures, they later found the company and said that they are not going to work now and want to apply for a credit card, so that the company can issue a proof of income. The company agreed and issued a proof of income.
3, it is difficult to self-harmony.
According to the company's regulations, employees are required to write an application stating that they are required to issue false income certificates and social security certificates for their own reasons, and they are not allowed to claim any legitimate rights and interests.
What will happen if the income certificate is false?
There is no consequence because there is no way to prove it. Besides, he won't prove it! The proof of income is issued only for the loan. This is simply a program!
What are the risks of low-income certification?
There is no risk in opening lower. High is risky.
Does it affect the company to issue more income certificates?
According to the employee's willingness to buy a house, the unit provides proof of income higher than his actual salary, which has certain legal risks, and the compensation standard for employee's resignation is controversial. There are even cases where employees ask the company to reissue their wages with high income certificates.
Whether the income certificate issued by the unit needs to bear legal responsibility depends on the following aspects:
(1) For the judge, this is related to the details of the case. The rationality of the amount on the income certificate, the matching between the actual work nature of employees and this amount, and the time when the income certificate is issued will all have a certain impact on the final determination of the judge.
(2) As a lawyer, it is better to cross-examine the details when encountering similar evidence.
(3) As an HR, controlling such risks beforehand is far better than afterwards.
The specific way is as follows:
1, the best way is not to open a false certificate.
What is the actual income of employees? Give employees a proof of income. This is the best way to control risks.
2. Sign an agreement with employees to issue false income certificates, or require employees to submit applications.
If you are forced by various pressures to issue false income certificates to employees, it is best to sign an agreement for employees before issuing income certificates, stating the reasons for issuing income certificates, whether the amount on the income certificates is true, what is the actual income, what is the purpose of issuing income certificates for employees, and who will bear the responsibility if this income certificate brings losses to the company.
If you think it is troublesome to reach an agreement, you can ask this employee to submit a written application signed by himself, and the above contents can also be stated in the application. HR can stay in the file.
3 on the income certificate issued, indicate the purpose of the income certificate, and indicate that it shall not be used for other purposes.
Is it risky to prove that the income is higher than the actual one? 5 points
See you use it. If your income certificate is used to apply for a credit card, it won't have any bad influence, but it can't be too outrageous, at least it should be credible.
What are the risks if the income certificate is not filled in or stamped?
There are mainly legal risks and reputation risks. Legal risk means that if the company (such as a bank) that receives the income certificate verifies that the certificate is false by telephone or other verification methods, you are suspected of perjury. Reputation risk means that if this certificate is used for illegal purposes or proved to be perjury, it may damage your company's reputation.
What are the risks of forging income certificates and membership certificates?
If you find out, your application will be rejected directly.
To issue certificates, especially as evidence, we should seek truth from facts, and to issue false certificates should bear corresponding legal responsibilities. However, in many cases, due to different cases, few cases were investigated. After all, the situation of changing jobs may exist, and the unit that issues the income certificate generally does not bear joint liability for repayment.
What are the risks of buying a house with a loan and opening a fake income certificate?
The risk of buying a house with a loan and issuing a false income certificate is that the monthly payment is not paid back.
What are the risks of the company issuing income certificates to buy a house loan?
There is no risk in the company, and this is not a guarantee. If anything happens in the future, it will be the responsibility of the employees.