1. How do self-employed individuals issue income certificates?
Individual industrial and commercial households can't issue income certificates, but need to provide: business license, tax registration certificate, tax payment certificate (the time of continuous tax payment varies from place to place) or bank deposit slips for the last six months.
Second, the notice of proof of income
1, the amount of proof of income is not as much as possible.
The principle of seeking truth from facts should be followed when issuing income certificates. That is, the income amount should not be written too high or too low, but should be combined with the economic situation of the city and the performance of the company, and the deviation should not be too large.
For example, first-tier cities such as Beishangguangshen and Shenzhen have relatively developed economies. If the borrower is the management of a large company, the salary level will be relatively high. When issuing income certificates, performance, bonuses and stock dividends can be included together, which can make the overall amount look better.
2. Try to highlight the key points in the income proof information.
The content of the income certificate is actually very important, but it is not more but more accurate. It is best to highlight the key points as much as possible. For example, in addition to basic information such as name, age and position, information with high gold content such as stock dividends can be highlighted and stamped with the official seal of the company. Note that it must be a "fresh seal" and the copy is invalid.
3. Pay attention to social security and provident fund, and improve the persuasiveness of income proof.
In addition to proof of income, some banks also require borrowers to provide information on social security and provident fund payment, so as to calculate their working hours, monthly income and other information, which is also a manifestation of the lender's repayment ability. So everyone must pay attention to it.
4. Try to make the party with high income as the main lender, which meets the requirements of purchase restriction.
If you are a married family, you can provide proof of the income of both husband and wife, as long as the sum of their monthly income meets the requirements of the bank. This involves the relationship between the primary lender and the secondary lender. It is necessary to make the party with high income as the main body of the loan as far as possible, which meets the requirements of purchase restriction.
5. False proof is suspected of breaking the law.
Some lucky people buy houses by issuing false income certificates. If caught by the bank, even if the loan has been made, it may be required to repay the loan in advance and terminate the loan contract at one time. If it is serious, you will have to bear legal responsibility, which will not only increase the financial pressure in the short term, but also may not be able to buy a house.
Third, how to issue a proof of income during sick leave
You can find the personnel department of the employer, you can also find a friend's company, or you can find a formal intermediary in the market. Generally, you need a service fee of several hundred yuan.
Proof of income is generally in the process of visa application, as well as bank loans, credit cards and so on. Will require the parties to issue a certificate of economic income of the unit.
Pay attention to the necessary format when issuing income certificates; Must be stamped with a "new chapter", that is, the copy of the income certificate is invalid; The seal must be the financial seal or the official seal of the company, and it must be a circular seal.
Work certificate format:
This is to certify that _ _ _ _ _ _ _ is an employee of our company (ID number is _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _).
This department has held the post of _ _ _ _ _ _ for _ _ _ _ years.
This is to certify that.
This certificate is only used to prove the work of our employees, not as any form of guarantee document for employees.
Company name (seal): _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
Date: _ _ _ _ _ _ _ _ _ _ _ _ _
According to the law, it can be known that individual industrial and commercial households cannot issue income certificates, but need to provide: business license, tax registration certificate and tax payment certificate. The above is the relevant knowledge about how to open an income certificate for self-employed individuals. If you don't know anything or have other questions, you can consult a lawyer.