If the user wants to apply for a loan, the bank must check the income certificate.
After applying for a loan, the bank will conduct a preliminary qualification examination according to the information provided by the loan user. Under normal circumstances, banks will not conduct on-the-spot investigations on units that issue income certificates. When the bank examines the income certificate, it will ask the user to provide the auxiliary certificate of bank running water in terms of income.
There are several conditions that need to be met to apply for income certificate. The income certificate cannot be a copy, but must be the original certificate issued by the company. The bank will require the company to affix a seal, and the color of the seal must be clear red.
It should also be noted that the proof of income does not mean that the more content, the higher the amount, the better. Banks will require that key contents, such as gender, age and job information, be highlighted as much as possible. If the income on the certificate issued by the unit is too high, it is necessary to pay taxes.
Generally speaking, banks will not be too strict in examining loan income certificates, so there is no need to resort to deceit. If a false income certificate is issued, it will be easily seen through by the bank, and the bank will not apply for a loan for the user. In addition, the related consequences will also be borne by individuals. The false certificate issued by the unit may lead to the low credit of the unit, which is not conducive to future development.
Can bank lenders find out where they have worked, such as KTV?
The credit report can't find out where you work.
They can only find out whether your credit information is overdue or not. As for your work place, they have no right to interfere with this and have no right to find out.
Will bank staff be investigated for making their own credit loans?
No, but if bank staff illegally issue loans, they will be investigated.
According to the relevant laws and regulations of our country, if the bank staff illegally issues loans, the amount is huge or causes great losses, it will constitute the crime of illegal lending and can be investigated for criminal responsibility. Article 186 of the Criminal Law of People's Republic of China (PRC) * * * Crime of illegally issuing loans. Banks or other financial institutions that issue loans in violation of state regulations, if the amount is huge or heavy losses are caused, shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 10,000 yuan but not more than 100,000 yuan; If the amount is especially huge or especially heavy losses are caused, he shall be sentenced to fixed-term imprisonment of not less than five years and fined not less than 20,000 yuan but not more than 200,000 yuan. Employees of banks or other financial institutions who issue loans to related parties in violation of state regulations shall be given heavier punishment in accordance with the provisions of the preceding paragraph. If a unit commits the crimes mentioned in the preceding two paragraphs, it shall be fined, and the directly responsible person in charge and other directly responsible personnel shall be punished in accordance with the provisions of the preceding two paragraphs. The scope of related parties is determined in accordance with the Law of People's Republic of China (PRC) Commercial Bank and relevant financial laws and regulations.
Will the mortgage bank call to check the on-the-job income certificate?
The general mortgage bank will call to check the on-the-job income certificate.
The relevant contents of the return visit are generally as follows:
1. Call back mainly asks: work information, work unit, monthly salary, working years, home address, etc. , pay attention to truthfully answer;
2. In addition, the bank will also call the company's landline to pay attention to the company's answering the phone;
3. The purpose of the bank telephone call back is to confirm the authenticity of the information submitted by the borrower.
Note: If you don't receive a return call, some banks will make a second call, but you need to take the initiative to contact the bank to explain the situation, otherwise your loan progress will be affected.
Extended data
1. Borrower's pre-loan consultation: Fill in the Application for Mortgage of Residential Houses and submit the following supporting materials to the bank:
First, the borrower's fixed income certificate issued by the borrower's unit (the bank will check it);
Two, the loan guarantor's business license and legal person certificate and other credit documents;
3. The borrower has a legal and valid identity certificate; The relevant certificate of the ownership of the house or the certificate that I have the right to the house according to law;
Iv. Appraisal report, appraisal certificate and insurance certificate of the mortgaged property;
Five, the purchase and construction of housing contracts, agreements or other documents; Other documents or materials required by the lending bank.
2. The bank examines the borrower's loan application, purchase contract, agreement and related materials.
3. The borrower shall hand over the title certificate, insurance policy or securities of the collateral to the bank for safekeeping.
4. The borrower and the guarantor of both parties sign the housing mortgage loan contract and notarize it.
5. After the loan contract is signed and notarized, the bank's deposits and loans to the borrower are transferred to the selling unit or building unit specified in the purchase contract or agreement.