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In the income certificate of the loan, the income in the latest year usually refers to the income in the month when the certificate is issued 12 months, including salary+dividend+bonus. Of course, some banks also have special requirements, which need to be specific to last year's total income. This is also the way to calculate the total income from 1 month to1February last year. If you apply for a loan from a bank, the bank will ask you to provide proof of income. If you don't have a work unit, you need to issue an income certificate to the local government where you live. So as to prove your repayment ability, the bank can approve your loan application. The proof of income refers to the proof of economic income that China citizens 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.

How to maintain good personal credit and smooth loan?

Don't be overdue: whether it's repayment of credit card or mortgage repayment after credit card consumption, we must be careful not to be overdue. Once overdue, you will not only have a penalty interest, but also this consumption record will be kept in your personal credit information system. Then when the loan is made, it is easy to be rejected when it is reviewed.

Not too much in sleep card: Many people always think that after applying for a credit card, it won't matter if they don't open it or use it. But in fact, if the applied credit card is not activated, as long as the credit card is approved, whether it is opened or not will be recorded in the cardholder's personal credit information system, which will have an appropriate impact on your future application for a bank credit card. And some specific cards will have an annual fee even if they are not activated. If we ignore this point, it is very likely that the credit card will be in arrears and then overdue, resulting in a bad credit record.

The payment of living expenses is not in arrears: the new personal credit information system has been launched, and all kinds of utilities and telephone charges in life are recorded in personal credit information records. If you can't pay on time, or even skip the subway, your records will be recorded in your personal credit report, which will inevitably lead to bad credit reporting.

Only by maintaining good personal credit information can we get a smooth loan. But we should also pay attention to saying goodbye to white households. Many people always think that they never lend money, and the credit information is very good, and the loan will be smooth. In fact, users who never borrow money may be refused to borrow money. A bank account refers to a person who has never applied for a loan or credit card from any financial institution and whose personal information has not been entered by the Credit Information Center of the People's Bank of China. Generally speaking, for IOUs, when you borrow money, banks or financial institutions can't find out your spending power, repayment ability and credit status, so they can't make an objective and reasonable judgment. Therefore, it is often more difficult for white families to apply for loans than customers with credit records. Without personal credit records, banks cannot guarantee whether borrowers can repay in full and on time. Therefore, in order to control their credit risk, they will generally lend cautiously, and even after agreeing to the loan, the loan amount will not be ideal. Therefore, it is also necessary to borrow money properly or handle credit cards reasonably.