Can I find a company to open the income certificate of buying a house at will?

Income proof is a kind of economic income proof that people 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. This income is generally after tax. The proof of income is generally monthly income, including salary, bonus, allowance, housing accumulation fund, share dividend and other after-tax income. However, it should be reminded that different banks have different income certificates, and some companies also have their own fixed income certificates. The specific situation needs to be seen.

What is the standard of income to meet the requirements of loan review?

According to the regulations, the ratio of the monthly debt expenditure of the loan (monthly repayment amount of the loan+monthly property management fee) to the monthly income of the borrower (borrower and spouse) measured by the loan amount should be below 50% (inclusive).

The ratio of all monthly debt expenditures of the borrower and spouse (monthly repayment of this loan+monthly property management fee+monthly repayment of other debts) to the monthly income of the borrower (borrower and spouse) shall be below 55% (inclusive).

Among them, for the loan application that cannot obtain the standard of property management fee, the property management fee may not be included in the debt expenditure. For example, the housing loan of Party A is calculated as 7000 yuan, and the sum of the monthly income of Party A and its spouse should be 14000 yuan.

What should I pay attention to when issuing income certificates?

Of course, it is very important for income proof to affect mortgage, but there are also some misunderstandings in the actual process of buying a house.

Myth 1: The more proofs you fill in, the better.

There are not many income certificates, so it is better to fill in more! The heavier the gold content, the better the proof! You need to fill in the following two types of information:

First, personal basic information, including personal name, ID card, position, payroll, length of service, etc.

Second, the company's key information, including the company address, contact number, and the signature of the person in charge of the unit, remember to affix the official seal;

The third is to bring the company's commitment to the reliability and accuracy of personal work certification information.