Why do you want to open a housing loan income certificate?
1. In order to ensure the borrower's ability to repay the loan, the bank will evaluate it according to the contents of the income certificate, so the income certificate is one of the important basis for the personal loan credit acceptance investigation and approval decision. But generally only when applying for a commercial loan to buy a house, you need to issue a proof of income. You don't need to provide proof of income to apply for provident fund loans.
2. The personal income certificate provided by the company shall include the monthly average (or annual average) income, the official seal of the company and personal basic information, etc. The annual income should include the sum of basic salary, bonus and welfare within one year, and deduct personal income tax and insurance premium. If the income is pre-tax, it needs to be counted as the average monthly income after deducting personal income tax. If you have additional asset certificates such as bonds and bank deposits, you can provide them to the bank, which will increase your loan qualification and help to approve loans.
3. Personal income certificate includes salary (generally refers to the total annual income), a copy of pension insurance payment, self-owned property certificate, private vehicle certificate, etc. Besides mortgage, visa, bank loan, credit card, etc. Generally, the parties are required to issue a certificate to prove their economic income.
What if the house loan income certificate is not enough?
1, appropriately increase the down payment ratio.
If you have sufficient funds on hand, you can actually reduce the amount of bank loans by appropriately increasing the down payment ratio, and extend the loan period as much as possible, so that your monthly repayment amount is within 1/2 of your monthly income.
2. Married people can borrow money from their spouses.
If the property buyers are married, they can choose the same loan model as their spouses. For example, Xiao Wang and Xiao Zhang are husband and wife. Xiao Wang's monthly salary is 12000, Xiao Zhang's monthly salary is 8,000, and the monthly payment for buying a house is 9,000. According to the relevant requirements of the bank, Xiao Wang needs to provide proof of income, and the income amount of last month must reach 18000 yuan before he can pass the approval of bank lending.
In this case, Xiao Wang and Xiao chose the same loan, with Xiao Wang as the first lender and Xiao Zhang as the second lender. It should be noted that the younger party with higher income, as the main lender, is helpful for banks to approve loans.
3. Provide part-time income running account.
At present, in addition to employees, soldiers, civil servants and other state-owned enterprises that are not allowed to take part-time jobs, in fact, everyone will have some income in their daily part-time jobs, and everyone will print out this income certificate and give it to the bank. Some banks will also recognize it when approving loans. Different banks have different regulations on the amount and flow of part-time income.
For example, some banks stipulate that part-time income does not exceed about 50% of the main income; Some banks require borrowers to provide part-time income for half a year. Therefore, when choosing a loan bank, you must consult clearly in advance.
4. Guaranteed loan.
When the monthly income on the income certificate can't meet the requirements of the bank, you can also find a third party recognized by the lender to provide joint liability guarantee. For example, some banks will accept loans guaranteed by parents and children.
It should be noted that the guarantor must have a fixed source of income, have sufficient compensation ability and have a certain deposit in the loan bank; The guarantor and the creditor shall conclude a guarantee contract in writing. If the guarantor is changed, the formalities for changing the guarantor must be handled in accordance with the regulations. Without the approval of the lender, the original guarantee contract shall not be revoked.
5. Relay loan and Heli loan.
Relay loan refers to the housing credit product in which the parents are the owners of the purchased house and the children of the parents are the same borrower. Heli loan refers to a housing credit product in which children are the owners of purchased houses and their parents are borrowers. However, it should be noted that this loan model is not supported by every bank, and local banks should be consulted for details.