1 proof of income, which proves that _ _ _ _ _ _ _ is an employee of our company. In the past year, I have worked in this company for _ _ _ _ _ _ _ _ _. The average monthly income (after tax) of this employee in our company is _ _ _ _ _ _ _ _ (in words: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _).
The employee's physical condition is _ _ (good, poor).
We hereby guarantee that the above certificate is correct and true. If the above proof is inconsistent with the facts, which leads to economic losses of your bank, our bank promises to bear legal responsibilities such as compensation.
This is to certify that.
Unit name:
Unit address:
Unit phone number:
Agent:
Income certificate 2 1. What is the proof of income?
Income proof is a kind of economic income proof that people need in their daily production, life and business activities. Generally, when handling visas, bank loans, credit cards, etc. You will be asked to issue a proof of the economic income of the party concerned.
2. Why should I issue a proof of income?
Income proof can directly reflect the borrower's repayment ability, is an important indicator to measure whether the borrower has repayment ability, and is also one of the means for banks to control credit risk.
3. How to apply for a housing loan to open a proof of income?
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 you a copy.
4. What misunderstandings should I pay attention to when applying for mortgage * income certificate?
Myth 1: The more proofs you fill in, the better.
When applying for a mortgage, it is not that the more proof of income, the better. The key is to highlight the weight of the income certificate you provide.
When actually issuing the income certificate, you need to fill in some information. Including personal basic information (personal name, ID card information, professional title, salary table, working years, etc. ) and the company's key information (company address, contact number, signature of the person in charge of the unit, official seal of the unit, etc.). In addition, you can attach a copy of the company's commitment to the authenticity, credibility and accuracy of your personal work certificate information.
Myth 2: The higher the income, the better.
The income certificate is generally filled in according to its actual income. Of course, it is not all the so-called "seeking truth from facts". At this time, the applicant needs to grasp a certain degree and analyze the specific problems.
In general, applicants need to consider their own work situation and the economic situation of their workplace. For example, sales and finance employees in first-tier cities can write a certificate of slightly higher income and can afford monthly repayment in the future. Of course, the premise is that it must conform to its own bank flow. In addition, it should be consistent with the size and economic situation of your company, at least not too much deviation, and the bank's loan review is also strict.
Myth 3: The income must be more than twice the monthly payment.
Sometimes, buyers will find that their income certificate has been issued, but it is less than twice the monthly payment. Does this mean that they can't get a home loan? Actually I have three solutions for your reference.
First, increase the down payment ratio, reduce the loan amount and extend the loan term as much as possible, but the economic pressure of paying the down payment in advance will be greater; Second, appropriately increase the income filled in the income certificate, but be careful not to exaggerate blindly, otherwise the monthly repayment amount will increase accordingly in the future, which will affect the quality of life in the future; Third, we can increase the number of * * * borrowers, and write two names on the house purchase contract, with the buyers as the main lenders and the * * * borrowers as the sub-lenders, thus increasing the total income and further increasing the bank loan amount.
Myth 4: You can't borrow money to buy a house without proof of income of the unit.
Although most people can get the income certificate issued by the company, private entrepreneurs, freelancers and other groups can't issue the income certificate of the unit, so they can't buy a house? Of course not.
If private owners can't issue income certificates, they need to provide the bank's business license, tax registration certificate, tax payment certificate (different regions have different requirements for continuous tax payment) or bank deposit slips for the last six months. If you are a freelancer, it is best to provide a bank deposit slip or personal income tax payment certificate for nearly 6 months.
Proof of income 3 ** Bank:
This is to certify that Mr./Ms. is a regular employee of our company and has worked in our company for many years.
Its ID number is:
Its position is;
Its professional title is;
Its annual income is (RMB in words);
This certificate is only used by your department when employees apply for credit cards. Please keep it secret.
Income Certificate 4 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.
Proof of income. This is to certify that xx is an employee of our company, has worked in our company for 20xx years, graduated from xxxxxx, and currently holds a professional position in our company. In the past year, the average monthly income (after tax) of this employee in our company was xxxx yuan (in words: xxx million, xxx million, xxx million, xxx yuan only). Employee's physical condition xxx (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.
This is to certify that.
Official seal of unit
Company name: xxxx
Address: xxxx
Company phone number: xxxx
Handler: xxxx
Income certificate 6 to xxx (bank):
Xxx (name and ID number) is an employee of our company. He has been working in our company since xx, and now xxX department holds the post of XX. The employee's monthly after-tax income in the latest year is RMB xx (including salary, bonus, allowance, housing accumulation fund, share dividend and other after-tax income). Our unit guarantees that the above certificate is true and valid.
(official seal of the company) Company address: xxxxx
Contact person of personnel department of the unit (signature): xx
Unit personnel department fixed telephone xxxx
Xxxx，xxxx，xx，xx
Income certificate 7 xx branch:
This is to certify that: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ At present, the employee's physical condition is _ _ _ _ _.
We hereby guarantee that the above certificate is correct and true. If the above certificate is inconsistent with the facts, resulting in your bank's economic losses, our bank promises to bear all legal liabilities for compensation.
This is to certify that.
The official seal of the unit or the seal of the personnel department
Handler:
date month year
Income Certificate 8 This is to certify that XX (ID number: XX) is an employee of our company. 20xx joined our company on April 20th as a buyer with a monthly income of xx yuan/month. This is to certify!
This certificate is only used to apply for a credit card and is not used for other purposes.
XX company limited
20xx065438+1October 20th
Proof of income. Bank of Communications Jiang 'an Sub-branch hereby certifies that xx (Mr. and Ms.) is xx( 1. ; 2. Contract workers; 3. Temporary worker), has worked in this unit for 20xx years, and currently holds xx position in this unit. At present, the employee has the highest academic qualification xx and physical condition xx. The employee's average monthly income (after tax) in the past year was RMB xxxx. We promise that the above situation is correct and true. If the above proof 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:
20xx xxxx month xxxx day
Income certificate: 10 This is to certify that xxx ID number xxx is an employee of our company and has worked in our company for xxx years and xxx months, with an annual income of xxxx yuan; This card is only used for employees to apply for car loans, not for other purposes.
This is to certify that. Note: full name of the company: xx company switchboard: xxxx address: xxxx
Company seal:
Xxx year xxx month xxx day
Income Certificate 1 1 This is to certify that _ _ _ _ _ _ _ _ (Mr. or Ms.) is an employee of our company and has worked in our company for _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _.
This is to certify that our unit is responsible for the authenticity of the certificate.
Address of the company: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
Company Tel: _ _ _ _ _ _ _ _ _ _ Company Contact: _ _ _ _ _ _ _ _
Seal of unit:
_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
Income Certificate 12 Bank of China Limited _ _ _ _ _ _ _ _ Line:
This is to certify that (name) _ _ _ _ _ _ _ (ID card/military officer's card/passport number) _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _.
Our unit shall bear legal responsibility for the authenticity of the income certificate.
Official seal of unit
_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
1. Full name of unit: 2. Address: 3. Tel: 4. Name of department head:
Income certificate 13 This is to certify that XX ID number: XX belongs to XX( 1, permanent worker, 2 contract worker, 3 temporary worker) of our company, has worked in our company for XX years continuously, and currently holds XX position in our company. In the past year, the employee's average monthly income (after tax) was RMB XX.
This certificate is limited to employees' use of credit cards, and our company will not bear any responsibility for all possible consequences caused by employees' use of credit cards.
Hereby certify that
Organization name
Date: XX, XX, XX, XX
Income certificate 14 Dear principal, my child graduated from Zhaotong Experimental Primary School and is now studying in No.2 Middle School in Zhaoyang District. My children's grades in Class * * * in District No.2 Middle School have been between the whole class 10 and 15 (40 to 70 in the whole grade). In order to give children more and better opportunities to receive education and learn knowledge in a better learning environment, I hereby apply to your school: I hope to transfer to your school. If the headmaster agrees, we will be very grateful, and the children will work hard in their future studies, abide by the rules and regulations of the school, and greet the learning of new knowledge with the best attitude. Salute!
Applicant: Liu Jing.
Proof of income: 15 This is to certify that _ _ _ _ ID number () is an employee of our company and has worked in our company _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _. This is to certify that.
Note: full name of company: company
Telephone switchboard:
Address:
Company seal:
date month year