Credit card application skills: how to fill in the proof of income

When applying for a credit card, the bank will ask the applicant to provide proof of income, which is one of the main references for the initial credit limit when reviewing the credit card. , directly reflects the repayment ability of the person handling the loan. So how to write the certificate? If there is no income certificate, can I apply for a credit card? Follow me to find out.

Generally speaking, the income certificate is issued by the financial department or human resources of the applicant’s unit, but the applicant can also copy his/her salary passbook or provide tax payment certificate . If the applicant's employer has paid social security for him or her, then there is no need to provide proof of employment and income. However, generally for insurance purposes, it is best to prepare a proof of income so that you are prepared.

So, how to fill in the credit card certificate?

First, download the standard format income certificate through the relevant financial or credit card website.

The income certificate has some fixed versions and formats. Applicants do not need to make it independently. At this time, they must make full use of the convenience of the Internet and directly copy or download a standard format income certificate. Then take it and print out two or three copies (the only one you may use in the end is reserved as a backup to prevent you from being able to correct and rewrite if you make a mistake). Attached below is a common income certificate format. Remember, it must be stamped with the official seal of the unit.

Income Proof

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.

This is to prove.

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 our company in any situation for this employee.

Seal:

Date: ______year___month___day

Secondly, the content of the income certificate must be true, valid and withstand the Bank review.

After the bank receives the income certificate submitted by the applicant, it will conduct an investigation and review. Generally speaking, the review method is to call the applicant’s workplace or company phone number to check whether he or she is an employee of the company and his or her general income, etc. If the information provided by the company’s caller does not match the information filled in, the applicant may be dismissed. reject. Therefore, it is best for applicants to fill in true information. If there are special circumstances that need to be explained, it is best to communicate with the company's finance in advance.

Finally, if there is no proof of income, you can make your own statement or provide proof of property.

In reality, some freelancers, such as writers, and some businessmen, such as Taobao store owners, have income, but they cannot issue formal income certificates, and they do not use payroll statements. . Faced with this situation, you can obtain proof of income by regularly depositing money into a bank card to create your own flow. In addition, if you can provide proof of property related to RVs, securities, etc., it can also serve as proof of income, and you can still apply for a credit card.

Related links: How to write a bank income certificate for a loan to buy a house?

When it comes to loans, we must talk about income certificates. Indeed, when applying for a loan at the bank, you must Among the documents issued, there is proof of income. Proof of income is one of the main references when applying for a mortgage, which directly reflects the person's repayment ability. When issuing an income certificate, many people think that the higher the income, the better. Is this really the case? How should the income certificate be written?

How to write the bank income certificate?

In the header, write down the information of the other party’s unit and the person being certified, clear personal income, purpose of the certificate, name and contact information of the work unit, information of the person in charge, additional information such as year, month, day, name of the unit and department , and finally stamped with a special seal. As shown in the picture:

How much is the appropriate amount of income certificate?

The income certificate requires you to provide a monthly income that is more than twice your monthly repayment.

If the personal income certificate is more than 10,000 yuan, you need to provide some additional asset certificates. Asset certificates include bonds, bank deposits, vehicle purchase certificates, personal income tax certificates, etc.

Whether bank approval only refers to salary based on personal income certificate

If the applicant is married and one person’s income certificate is lower than his/her monthly payment, both spouses can issue income certificates at the same time. Come and apply for a loan. Once you meet the conditions, the bank can also approve it. In addition, some other assets of the family, such as large deposits, bonds, real estate, etc., can also be used as proof of income, and banks will generally make reference.

What should I do if the income certificate amount does not meet the loan limit requirement?

If the house is purchased together with the wife or parents, that is, the names of two people are written on the house purchase contract. Then the party concerned can act as the primary lender and the wife/parents as the secondary lender, and make a part of the loan.

What are the precautions when issuing income certificates?

1. Pay attention to the necessary format when issuing income certificates.

2. The income certificate must be stamped with a "fresh seal", which means that a photocopy of the income certificate is invalid.

3. The seal must be the financial seal of the unit or the official seal of the unit. And it must be a medal.

4. The annual income should be the total of basic salary, bonuses, benefits, etc. within one year, and personal income tax, insurance premiums, etc. shall be deducted.

What should I do if my unit does not have an income certificate?

If the private owner cannot issue an income certificate, the documents required are: industrial and commercial business license, tax registration certificate, tax payment certificate (continuous Tax payment time regulations vary from place to place) or bank deposit statements for the past six months.

If you are a freelancer, if you have savings, you can provide proof of deposit; if not, you need to go to a bank with income to apply for a statement. The statement can prove that you have continuous income. ;