General template for loan income certificate
Different lending institutions require different income certificates. The biggest difference is whether it is income certificate from bank card account or income provided by work unit. prove. The income certificate for opening a bank account is mainly the account flow. Each bank has regulations on the format template. Applicants only need to submit an application.
For the income certificate issued by the work unit, you are required to print out the template, fill it out and submit it yourself. The general template is as follows
Proof of income of current employees
To XXX:
This is to certify that Mr./Ms. _________ (married, unmarried, divorced) is from our company ( A formal temporary) employee who has been working in our company for ____ consecutive years, has graduated from __________, and holds a ________ position in our company. The average annual/monthly income of this employee in our company in the past year is (after tax) _______ yuan, (in capital letters: _______ ten thousand______ thousand______ hundred______ ten______ yuan).
The ID number is: _______________________________________
Our company is legally responsible for the authenticity of the information provided above.
This is to certify
Unit contact number:_________________________________________
Unit name (official seal):_______________________________
_______year_______month_ ______ day
Note: This income certificate is only used to prove the work and salary income of our employees in our company, and does not serve as a guarantee document for any situation of our employees.
Reminder
The work certificate should be as concise, concise and complete as possible, that is, the signature and official seal of the person in charge of the company, the applicant's salary slip and position, and the social security provident fund certificate is not very useful. On the contrary, it will expose more of your private information, which will be detrimental to you once the information is leaked. If the proof of income is not enough, you can provide proof of income
A must-collect! Bank Loan Income Certificate Template
When you go to the bank to apply for a loan, the other party will definitely ask you to provide proof of income or current flow as a basis for judging your repayment ability. So how do you get these certificates? Today I will share a collection of bank loan income certificate templates, hoping to help everyone.
1. Summary of bank loan income certificate templates
1. Salary certificate
This is to certify that __________ holds the position of ____________ in the ____________ department of our company , the annual income is _________ yuan.
This is to certify
Seal:
Date: _________year_______month_______day
2. Salary certificate
This is to certify that ___________ is an employee of our company, with a fixed monthly income of ___________ yuan and an annual income of __________ yuan. This certificate is only used for _____ purposes and may not be used for other purposes.
Seal:
Date: _________year_______month_________day
3. Salary certificate
This is your request Our employee __________, ID number __________, has worked in our company for _________ years, holds the position of ___________, and has an annual income of _________ RMB.
Hereby prove it!
Seal:
Date: _________year_______month________day
2. What should I do if my income is not enough?
Generally speaking, banks require that the customer's income can cover the liabilities, and the income is probably twice the expenditure. If the customer is not qualified enough, he or she can consider getting a loan together with his or her spouse, because with *** As a borrower, the bank will reassess your repayment ability.
Furthermore, if you are unmarried or do not have the same borrower, you can try to find someone to guarantee it, which can help you pass the review. If it's not enough, you can use your other income to supplement it. Nowadays, most of them are transfers through Alipay or WeChat. Many banks still recognize it by getting a transfer flow.
The above is the relevant information about the loan income certificate. The templates are all similar. They mainly include the customer's basic work and income. The unit information covers the name, landline number, official seal, etc.
Bank loan income certificate template
Income certificate format 1: This is to certify that ________ is an employee of our company and holds the position of ________ in the ________ department. So far, the total income for the year is approximately __________ yuan. Hereby certify. This certificate is only used to prove the work and salary income of our employees in our company, and does not serve as a guarantee document for any situation of our employees. Stamp: Date: ______year___month___day Income certificate format 2: Personal income certificate This is employee XXX of our company (XXXX company), ID number: XXXXXX, has worked in our company for XX years, and holds the position of XX Department XX manager (position), annual income is RMB XXXXX yuan. Hereby certify. XXXX Company (with official seal) Template of Mortgage Income Certificate for X-month, XXXX Year Notes: First: Pay attention to the necessary format when issuing an income certificate. Second: The income certificate must be stamped with a "fresh seal", which means that a photocopy of the income certificate is invalid. Third: The seal must be the financial seal of the unit or the official seal of the unit. And it must be a medal. Housing loan income certificate is a kind of proof of economic income that Chinese citizens need in their daily production, life and business activities. Generally, when applying for visas, bank loans, credit cards, etc., you will be required to have proof of economic income issued by the party concerned. Friends who want to apply for a mortgage, to apply for a mortgage income certificate, just fill in the information according to the above mortgage income certificate template, and then stamp the company's seal.
Personal loan income certificate
In life, work and study, there are still many places where proofs are used, and the types of proofs vary according to different uses. So do you really know how to write a good proof? The following is a personal loan income certificate that I have collected for everyone. I hope it will be helpful to everyone.
Personal loan income certificate 1
Tongcheng Branch of China xx Bank Co., Ltd.:
____________ is my unit___________ (position), and his last three The average monthly income is RMB (in capital letters) _______________ yuan. (including various fixed bonuses and subsidies), our company guarantees that the above income certificates provided are true, otherwise it is willing to bear all legal liabilities arising therefrom.
This is a statement.
Seal of the company
Year, month and day
Personal loan income certificate 2
This is to certify that you are an employee of our company and the identity of the employee The certificate number is. This employee has been working in our unit since month and year, and his current position (title) is. The employee's monthly salary income is RMB (uppercase), (lowercase) yuan.
Our company promises that the above certificates are true. If it is inconsistent with the facts (please continue to pay attention to this site:), we are willing to bear all responsibilities.
This is to prove.
Official seal of the unit:
Year, month and day
Unit address: Person in charge:
Contact number:
Notes:
1. Alterations to this certificate are invalid.
2. This certificate is valid within 30 days from the date of issuance (including the issuance date).
Personal loan income certificate 3
To:
This is to certify that Mr./Ms. (married, unmarried, divorced) is an active (official temporary) employee of our company. His current position and title in our unit are: he has been working in our unit for years, and the nature of our unit is.
The average monthly total income is RMB 10,000 (lowercase RMB).
The ID number is:
Our company is legally responsible for the authenticity of the information provided above.
Hereby.
Unit address:
Personnel and labor department contact person:
Telephone number:
Unit seal:
Year, Month, Day
Personal loan income certificate 4
1. How to issue a personal loan income certificate
Personal loan salary certificate requires an income certificate, usually Monthly income, that is, salary after tax, bonus allowance, housing provident fund, share dividends and other income, but it should be noted that different banks have different income certificate formats. And some companies also have their own fixed model of income certification. The specific situation needs to be analyzed based on the situation of the bank and the unit.
If you have a receipt issued by a work unit, you need to pay attention to the necessary content in the format, such as personal name, ID card, position, salary slip, and length of service. It also needs to be stamped with the official seal or personnel seal of the unit, and copies are invalid. In addition, the signature of the person in charge of the unit at the company address is required.
If the application is for pre-tax income, personal income tax needs to be deducted, and the income after sending the average monthly income must meet more than twice the monthly payment plus liabilities, and the bank will require the borrower to provide monthly income , which is more than twice the sum of its monthly payments and other liabilities.
2. What are the conditions for interest-free loans?
1. Proof of identity and business place
Loan applicants must have legal and valid proof of identity and proof of legal residence in the location of the loan bank, as well as a fixed residence or business place. The proof of fixed residence can be a real estate certificate (the real estate certificate in the name of the parents is also acceptable), and the proof of business place should hold a business license issued by the industrial and commercial administration authority and a business license for related industries, indicating that it is engaged in normal production and business activities.
2. Proof of funds
The loan applicant’s investment project requires that he or she already has a certain amount of own funds. This is an important condition for banks to consider whether to lend money, because the amount of a business loan generally does not exceed 70% of the total working capital required by the lender for normal production and operation activities, as well as the purchase (installation or repair) of small equipment and franchise chain operations. %.
3. Settlement account
Loan applicants must open a settlement account with the loan bank, and business income must be settled through the bank. Moreover, the purpose of the loan complies with relevant national laws and the Bank's credit policy regulations, and is not allowed to be used for other speculative investment projects such as equity interests.
4. Loan guarantee
Loan applicants need to provide certain guarantees, including real estate mortgage, deposit certificate pledge and third-party guarantee, and provide some of their own credit status as much as possible , repayment ability and loan investment information to the bank, which will increase the credibility of the loan and facilitate the smooth obtaining of the loan.
3. Legal Basis in Contract Law and Commercial Banking Law
"Contract Law of the People's Republic of China"
Article 199 stipulates: " When entering into a loan contract, the borrower shall provide the true situation of the business activities and financial status related to the loan as required by the lender. "
Article 202 stipulates: "The lender may inspect and supervise the loan in accordance with the agreement. Usage. The borrower shall provide relevant financial accounting statements and other information to the lender on a regular basis as agreed. ”
Article 35 of the “Law of the People’s Republic of China on Commercial Banks”
It stipulates: "Commercial bank loans shall strictly examine the borrower's purpose of borrowing, repayment ability, repayment method, etc."
It is not difficult to see from the full text that the state, regardless of whether it is in the "Contract Law" "In the "Loan Contract Regulations" and "Commercial Bank Law", the actual application requirements are still "lenient and strict" for loans, that is, loan channels are provided, but there are certain requirements for loan application conditions. Personal loans How to issue a proof of income is just one of them. I think it is good to find the French Open. It will allow people who really need a loan to borrow the funds they need, and it will also avoid abuse by certain opportunistic people.
Personal loan income certificate 5
Industrial and Commercial Bank of China Co., Ltd. xxxx branch:
This is to certify that __________ (Mr./Ms.) ID number__________
I am a __________ (1. regular worker, 2. contract worker, 3. temporary worker) in this unit. I have been working in this unit for __________ years and currently hold the position of __________ in this unit.
Currently, the employee's highest educational level is __________, and the employee's average monthly income (after tax) in the past year is __________ yuan.
This unit promises that the above information provided by our company is true. If the above situation is inconsistent with the facts and causes economic losses to your bank, we are willing to bear the corresponding responsibility.
Unit address:
Contact person:
Telephone number:
Official seal of the unit or seal of the authorized department:
< p>Signature of the person in charge of the unit or department:Year, month and day
Personal loan income certificate 6
____________ Bank:
This is Prove that ________ is an employee of this unit, has a fixed monthly income of ________, and an annual income of ________. This certificate is only used to apply for ________ and is not responsible for the employee's legal and debt responsibilities.
Unit seal: ______________
Date: ______year___month___day
Personal loan income certificate 7
____________________ Bank:
Mr./Ms. __________ (certificate type: ________, ID number: ____________________) is a formal employee of our company and currently holds the position of ___________ (education: _________, professional title: ____________ ). This colleague’s office contact number is:_____________, home phone number:_____________, and mobile phone number:_______________.
This colleague has been working in our company since ____ month ____, ______ year, and has been working in our company for _______ years. His current fixed income is (in capital letters) RMB_______________ Yuan, other annual income is (in capital letters) RMB_______________ Yuan.
The current marital status is: __________ (married, single, divorced, widowed).
After verifying that the above situation is true and correct, our organization is fully aware of the legal effects of this certificate and assumes corresponding legal responsibility for the authenticity of this certificate.
_____________________ (official seal of the unit)
Responsible person: __________________
_________year____month____day
Remarks: ____________________________________________________________
Legal person address of the unit: ____________________________ Postal code: _____________
Human resources or labor management department contact person: __________________ Telephone: __________________
Personal loan income certificate 8
Jiangsu Bank Xuzhou Branch
This is to certify that (Mr.) is a regular worker in this unit (1. Regular worker; 2. Contract worker; 3. Temporary worker) and has been working in this unit for consecutive years. Currently holding a position in this unit. At present, the employee's highest educational level is, physical condition. The employee's average monthly income (after tax) in the past year is RMB.
Our company promises that the above information is correct and true. If the income of the above certifier changes in our company, our company will promptly notify your bank.
This is to certify
Official seal of the unit or seal of the personnel department
Signature of the person in charge:
Year, month and day
Note: If the borrower is a self-employed person, an employee of the distribution department or the supply department, or the bank has objections to this income certificate, the borrower must provide income certificates for 3 months to half a year or even longer as required (mainly including but not limited to loan The most commonly used materials such as passbook details, bank card details, personal tax certificates, etc.)
Personal loan income certificate 9
This is to certify that ________(Mr./Ms.) is the _____________ of this unit (1. Regular worker; 2. Contract worker; 3. Temporary worker), has been working in this unit for _____ consecutive years, and currently holds the position of _________ in this unit. Currently, the employee's highest educational level is ________, and his physical condition is ________. The average monthly income (after tax) of this employee in the past year is ____________ yuan. Our company promises that the above information is correct and true. If the above certificates are inconsistent with the facts and cause economic losses to your bank, our company is willing to bear all responsibilities. Hereby certify.
Official seal of the unit or seal of the personnel department:
Signature of the person in charge of the personnel department:
Year, month and day
Income certificate (for unit use only)
This is to certify that the employees of our unit are: _____, ID number (passport number): _______________, education: _______, hold: ______ positions in this unit, and have worked continuously in this unit: ______ years. The average monthly income during the year was ______ yuan.
This is to certify!
Our organization guarantees that the information provided is true and reliable. This income certificate is only used by the employee to apply for a loan from your bank.
Contact person of the HR department:
Telephone number:
Unit address:
Unit seal:
Date: Year, Month, Day
Personal Loan Income Proof 10
To Bank of China XXXX:
This is to certify that Mr./Ms. xx (married but not divorced) is A (formal temporary) employee of our company currently holds a position in our company, with a professional title of xx; he has worked in our company for x years, and the nature of our company is xx.
The average monthly total income is RMB 10,000 (lowercase RMB xx).
The ID number is:
Our company is legally responsible for the authenticity of the information provided above.
This is to prove.
Unit address:
Personnel and labor department contact person:
Telephone number:
Unit seal:
X day, x month, x year
Personal loan income certificate 11
XX Bank XXX branch:
This is to certify that __________ is the unit___________ (official /short-term contract/temporary) employee, has been working in our company for ___________ years, graduated from _______________ with an academic qualification, and currently holds a __________ position in our company. In the past year, the employee’s average monthly income (after tax) in our company ) is ____________, (capital) ____________________. The employee's physical condition is ________(good/poor)
This company hereby promises that the above certificates are correct and authentic. If the above certificates are inconsistent with the facts and cause economic losses to your bank, this company guarantees to bear compensation, etc. All legal liability.
Official seal of the certified company
Detailed address of the company:
Contact number of the company:
Proof of personal loan income 12
This is to certify that __________ (ID card: ____________________) works in the __________ department of our unit (position: __________) and has a monthly income of ______ yuan (before tax).
This is to prove.
This certificate is only used to prove the work of our employees and the salary income of our employees. It does not serve as any form of guarantee document for our employees.
Name of the unit (stamped)
______year___month___day
The content of the personal income certificate: including salary (generally refers to the year Total income), copies of pension insurance premiums, certificates of owned real estate, certificates of private vehicles, copies of large time passbooks, foreign exchange, bonds, gold securities accounts, large life pension dividend policies, etc.
Notes on Mortgage Income Certificate Template
First: Pay attention to the necessary format when issuing an income certificate.
Second: The income certificate must be stamped with a "fresh seal", which means that a photocopy of the income certificate is invalid.
Third: The seal must be the financial seal of the unit or the official seal of the unit. And it must be a medal.
Proof of Personal Loan Income 13
__________Bank__________ Branch:
This is to certify that _____________ (Mr./Ms.) is from:
< p>1. My company has _____________ (regular workers, contract workers, temporary workers), and they have been working in our company for (capital) _________ years.2. His job position (type of work) is ____________________, and he has worked in this position (in capital letters) for ___________ years.
3. His position is _______________ (ordinary employee, department head, unit head, unit investor), and he has held this position for (capital letters) __________ years.
4. His/her monthly income after paying provident fund, supplementary provident fund, pension, medical insurance, unemployment insurance, and individual tax adjustment: RMB (capital letters)_______________,
In addition, monthly Basic provident fund payment: RMB (capital letters)_______________, monthly supplementary provident fund payment: RMB (capital letters)_______________.
The above situation is true and we hereby prove it!
Unit contact address: xxx
Personnel department contact number: xxx
Contact person number: xxx
Unit seal: xxx< /p>
Signature of the person in charge of the Human Resources Department: xxx
x day, x month, xx year
Personal loan income certificate 14
People's Bank of China Chongqing Business Credit Information Management Office of the Management Department:
Because "" (ID card number:) provides guarantee for the credit business of "Chongqing x company" in our bank, our bank agrees to establish a credit relationship with it, hereby certifies.
(Note: The format of the credit relationship certificate for unincorporated enterprises is roughly the same, please clearly indicate the type of credit).
X bank stamped with administrative seal
x year xx month xx day
Personal loan income certificate 15
This is to certify that it is our company Employee, the employee’s ID card number is. This employee has been working in our unit since month and year, and his current position (title) is. The employee's average monthly income is RMB, (lowercase) yuan.
My company promises that the above certificates are true. If it is inconsistent with the facts, our company is willing to bear all responsibilities.
This is to prove.
Official seal of the unit:
Year, month and day
Unit address:
Person in charge:
Contact number :
Notes:
1. Alterations to this certificate are invalid.
2. This certificate is valid within 30 days from the date of issuance (including the issuance date).
This concludes the introduction to the loan income certificate template and bank loan income certificate template. Have you found the information you need?