What should I pay attention to to to prove the income from buying a house?

Bian Xiao found that some people are not very clear about what to pay attention to when buying a house, and they take many detours. Next, Bian Xiao compiled the information about what should be paid attention to in the proof of house purchase income, please refer to it.

How to open the proof of house purchase income?

The effect of proof of income can directly reflect the borrower's repayment level, which is an important goal to measure whether the borrower has repayment level, and it is also one of the ways for banks to manipulate credit risk.

Proof of income and loan. Then, what standard should your income meet, and the level meets the requirements of loan review? The ratio of the monthly debt expenditure of the loan (monthly repayment amount of the loan+monthly property handling fee) to the monthly income of the borrower (borrower and lover) is below 50% (inclusive).

The total monthly debt expenditure of the borrower and lover (monthly repayment of this loan+monthly property handling fee+monthly repayment of other debts) shall account for less than 55% of the monthly income of the borrower (borrower and lover). (Note: The property handling fee may not be included in the debt expense for the loan request for which the property handling fee specification cannot be obtained. )

What should I pay attention to to to prove the income from buying a house?

At present, a proof of income plays an increasingly important role in many fields, such as handling bank credit cards, applying for policy housing, providing proof of lost time, consumer credit, judicial assistance, personal injury compensation, social welfare assistance and so on. In order to meet the needs of employees, some units issue various income certificates for them at will, which leads to the proliferation of all kinds of false information, which seriously erodes public trust and has a great negative impact.

In judicial practice, the following disputes often occur when issuing false income certificates: First, banks take the units that issue false income certificates to court, demanding that the units and employees who cannot repay bank loans bear joint and several liabilities; Second, employees rely on the high-income false income certificate issued by the unit to ask the unit to reissue the differential salary; Third, due to the issuance of false income certificates, the credit rating of the unit declined, and it was pulled into the "blacklist" by the bank, which further constituted the financing difficulties of the unit in the future.

The unit issued false certificates, which violated the principle of good faith stipulated by laws and regulations. If the unit knows that it may be intentional by one party and may damage the legitimate rights and interests of a third party, the demander will bear the corresponding civil liability. According to the relevant provisions of the law, if a litigant participant or other person forges or destroys important evidence and obstructs the court from hearing a case, the court may impose a fine or detention according to the seriousness of the case; If a crime is constituted, criminal responsibility shall be investigated according to law.

If a unit issues a false income certificate as the basis of litigation, the court may impose a fine or detention on the person in charge or the person directly responsible, and if the case constitutes a crime, criminal responsibility shall be investigated according to law, so as to safeguard the litigation procedure and protect the judicial prestige. Taken together, the act of issuing false income certificates by the unit does not rule out the suspicion of "malicious collusion", which may constitute infringement, and the demander should bear corresponding legal responsibilities. Moreover, many places in China have issued relevant regulations to regulate the purchase of policy housing. If the unit issues false income certificates to defraud the purchase of policy housing, it may also face administrative penalties such as fines.

Generally speaking, the occurrence of unhealthy behavior in market economy depends on the income and capital it brings. In order to eradicate the behavior of units issuing false income certificates, it is important to form a restriction mechanism that the overdue cost of market participants is greater than the overdue income, and to form a comprehensive management through economic, moral and legal means, further enhance the moral rationality and social responsibility in economic behavior, strengthen the credit reward and punishment mechanism, strengthen social supervision and management, standardize the management behavior of units, further improve laws and regulations, and increase the punishment for overdue behavior, so that units will not, dare and cannot issue false income certificates.

What should I pay attention to when I prove my income from buying a house? Is it more convenient for us to do things after we know the relevant information of the proof of house purchase income?