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. This income is generally after tax. The proof of income is generally monthly income, including salary, bonus, allowance, housing accumulation fund, share dividend and other after-tax income. However, it should be reminded that different banks have different income certificates, and some companies also have their own fixed income certificates. The specific situation needs to be seen.
What is the standard of income to meet the requirements of loan review?
According to the regulations, the ratio of the monthly debt expenditure of the loan (monthly repayment amount of the loan+monthly property management fee) to the monthly income of the borrower (borrower and spouse) measured by the loan amount should be below 50% (inclusive).
The ratio of all monthly debt expenditures of the borrower and spouse (monthly repayment of this loan+monthly property management fee+monthly repayment of other debts) to the monthly income of the borrower (borrower and spouse) shall be below 55% (inclusive).
Among them, for the loan application that cannot obtain the standard of property management fee, the property management fee may not be included in the debt expenditure. For example, if the loan amount of Xiaoming's house purchase is calculated as 7000 yuan, the sum of the monthly income of Xiaoming and his spouse should be 14000 yuan.
What should I pay attention to when issuing income certificates?
Of course, it is very important for income proof to affect mortgage, but there are also some misunderstandings in the actual process of buying a house.
Myth 1: The more proofs you fill in, the better.
There are not many income certificates, so it is better to fill in more! The heavier the gold content, the better the proof! You need to fill in the following two types of information:
First, personal basic information, including personal name, ID card, position, payroll, length of service, etc.
Second, the company's key information, including the company address, contact number, and the signature of the person in charge of the unit, remember to affix the official seal;
The third is to bring the company's commitment to the reliability and accuracy of personal work certification information.
Myth 2: You can't buy a house if your income is less than twice.
You have reached the stage of loan, and I believe you have spent a lot of energy in the previous work of looking at the house and choosing a house. So don't give up easily. For example, some small partners' income certificates show that they can't reach more than twice the monthly payment in 30 years. What should I do?
If you buy a house with your wife or parents, that is, write the names of two people on the purchase contract. Then, both parties can participate in the loan as primary lenders, and the wife/parents can participate in the loan as secondary lenders.
Myth 3: The higher the income, the better.
Income should follow the principle of seeking truth from facts, of course, not blindly "seeking truth from facts", and the specific problems should be analyzed in detail. Combine the local economic situation and your own work type, such as sales in first-tier cities, then write a high point. Should be in line with their own bank flow. Of course, it can be higher on the basis of running water. But it should also conform to the company's scale and economic situation, and the deviation should not be too big. If it's a small company, it hasn't been long since it was established. You say that you earn tens of thousands a month, but you don't believe it yourself. How can you convince the loan examiner?
Myth 4: You can't borrow money to buy a house without proof of income of the unit.
There are several kinds of people, such as private entrepreneurs or freelancers, who pay their own salaries. So if there is no unit, you can't open a proof of income to buy a house? Of course not.
(The above answers were published on 2016-11-18. At present, please refer to the actual situation for the relevant purchase policy. )
For more real estate information, policy interpretation and expert interpretation, click to view.