2. Once a loan with a false income certificate is found, it will be rejected by the lending institution forever, and many lending institutions enjoy this information, so it is difficult for applicants with false income certificates or other lending institutions to borrow money.
3. Forging the income certificate is fraudulent and should bear legal responsibility. Those who cheat less than 4,000 yuan shall be fined, those who cheat more than 4,000 yuan shall be put under control, those who cheat more than 5,000 yuan shall be sentenced to criminal detention, and those who cheat more than 10,000 yuan shall be sentenced to fixed-term imprisonment of not more than six months. Those who cheat 200,000 will even be sentenced to 10 years in prison.