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How to prove the income of buying a house

When buying a house, most buyers will choose the way of loan to buy and sell the house, but if they want to apply for the loan, the bank should examine and approve the current situation of the borrower, which requires the borrower's own income certificate, which is also convenient for the borrower to borrow better. So how to open the proof of income for buying a house? What are the precautions for buying a house? Let's understand the issuing method of the proof of income.

How to open the proof of income from buying a house?

1. The proof of income should include the following points: write clearly the name of the person to be certified in the title. The information of the person certified, the ID number and the time from which to become the staff of the company. Write clearly the position and income of the certifiee. Write down the form of income distribution. Write down the name of the company clearly. Write clearly the operator, which is mainly for the convenience of the other party's verification. Write down the date, the name of the unit and department, and affix the special seal.

2. It should be noted that the income certification mode generally refers to monthly income, and refers to after tax income, including after tax wages, bonuses, allowances, housing provident fund and other income. Income certificate can't be issued more. Some people do not meet the income requirements, they want to muddle through by doing a fake income certificate.

3. The consequence of handling false income certificate is very serious. For the borrowers, if they are detected by the bank because of the false income certificate, they will not be able to pass the loan audit, and they will also bear the legal risk in serious cases. Even if approved, in the face of late repayment pressure, unable to pay monthly, the house will also face the possibility of being recovered by the bank.

4. The more serious consequence is that the borrower fraudulently obtains the bank loan by false income certificate, and is also suspected of the crime of obtaining the loan by fraud. The provisions of the criminal law are as follows: to be sentenced to fixed-term imprisonment of not more than three years or criminal detention, and also or only to a fine; to cause especially heavy losses to banks or other financial institutions or to have other especially serious circumstances, to be sentenced to fixed-term imprisonment of not less than three years but not more than seven years and also to a fine.

What are the precautions for buying a house?

1. When we buy a house, we must not ignore the shared area. We should pay attention to whether it is reasonable. Generally, the shared area of multi-storey residential buildings is less, and the shared area of high-rise residential buildings is more due to the influence of elevators. It is 11% - 16% for multi-storey buildings and 18% - 26% for high-rise buildings.

2. Many developers will require buyers to sign a "housing subscription agreement" and pay a deposit before signing a formal pre-sale contract. But you have to know that this is not a necessary procedure for buying a house. If you don't get it right, you will fall into a deposit dispute, so Xiaobian suggests not to pay the deposit as much as possible.

3. The first-hand information of buyers before buying a house is often the project advertisement. On the surface, the so-called propaganda distortion is the information asymmetry between consumers and developers, but behind it is the developers' marketing packaging which is too distorted and seriously misleads consumers.

4. When buying a house, buyers must treat the real estate advertisements rationally. They should go to the field to inspect them. At the same time, they should keep the publicity materials such as the advertisement list and the building flower. If the developers fail to cash in the future, these materials can be used as a strong evidence to investigate their legal responsibility.

When buying a house, we should pay attention to some details of buying a house. Before buying a house, we should know the first-hand information of the house, so that it will be more convenient to buy a house. The above is about how to open the proof of income from buying a house? What are the precautions for buying a house? We must prepare the relevant documents for buying a house and provide information according to the requirements of the bank, so that the loan application can be approved.