income statement

In daily study, work and life, everyone is familiar with the proof. Proof is a written material that proves someone's identity, experience or the true situation of something with conclusive evidence in the name of administrative organs, social organizations, enterprises, institutions or individuals. Presumably many people are worried about how to write a good certificate. The following is the income certificate I compiled for you. Welcome to read the collection.

Proof of income 1 1. Main purposes of proof of income:

When applying for a credit card or handling other banking business, proof of income is an indispensable proof material. Many people ask the income certificate issued by the company not to know what the standard income certificate is, which makes many income certificates unusable. It is one of the main reference contents of the initial credit limit in credit card audit, which directly reflects the proof of the repayment ability of the agent.

Second, the notice of income vouchers:

1. Please pay attention to the income certificate when issuing it.

2. The income certificate must be stamped with a "fresh stamp", that is, the copy of the income certificate is invalid.

3. The seal must be the financial seal or the official seal of the company. And it must be a medallion.

4, but the most important thing is that the income certificate should be true, and the income cannot be falsely reported.

Three, collect income vouchers for the way:

1, you can entrust a friend company to handle it, or you can entrust the personnel department of your work unit to handle it;

2. You can also find a regular agency in the market.

Income certificate 2 This is to certify that the name and number of xxx (Ms./Mr.) certificate are: xxx xxxx is xxx (1. Regular employee 2. Contract worker 3. Temporary workers). I have worked in this unit for X years continuously, and now I hold the position of xxx in this unit. At present, the highest education of employees is xxx, and the average monthly income (after tax) of employees in the past year is xxx yuan.

The above information promised by our unit is true. If the above information is inconsistent with the facts, your bank will bear the corresponding responsibilities.

Address: xxxx

Contact: xxx

Tel: xxx

Official seal of unit or seal of authorized department:

Signature of the person in charge of the unit or department:

Xx year xx month xx day

Income Certificate 3 This is to certify that xxx, as an employee of this unit, has been working in this unit continuously, and has been working in this unit for xxxx years, with the highest education of xxxx. The average monthly income (after tax) of this employee in the past year is (in words). At present, the employee is in good health. We hereby guarantee that the above certificate is correct and true.

Hereby certify!

xxx

Xx，xx，XX，XX

Income certificate 4 1. What is the proof of income?

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.

2. Why should I issue a proof of income?

Income proof can directly reflect the borrower's repayment ability, is an important indicator to measure whether the borrower has repayment ability, and is also one of the means for banks to control credit risk.

3. How to apply for a housing loan to open a proof of income?

Each bank has different requirements for proof of income. Some banks have a unified format, while others have no requirements. You can ask the loan bank in advance, and if there is a unified format, you can ask the bank to give a copy.

4. What misunderstandings should I pay attention to when applying for mortgage * income certificate?

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

When applying for a mortgage, it is not that the more proof of income, the better. The key is to highlight the weight of the income certificate you provide.

When actually issuing the income certificate, you need to fill in some information. Including personal basic information (personal name, ID card information, professional title, salary table, working years, etc. ) and the company's key information (company address, contact number, signature of the person in charge of the unit, official seal of the unit, etc.). In addition, you can attach a copy of the company's commitment to the authenticity, credibility and accuracy of your personal work certificate information.

Myth 2: The higher the income, the better.

The income certificate is generally filled in according to its actual income. Of course, it is not all the so-called "seeking truth from facts". At this time, the applicant needs to grasp a certain degree and analyze the specific problems.

In general, applicants need to consider their own work situation and the economic situation of their workplace. For example, sales and finance employees in first-tier cities can write a certificate of slightly higher income and can afford monthly repayment in the future. Of course, the premise is that it must conform to its own bank flow. In addition, it should be consistent with the size and economic situation of your company, at least not too much deviation, and the bank's loan review is also strict.

Myth 3: The income must be more than twice the monthly payment.

Sometimes, buyers will find that their income certificate has been issued, but it is less than twice the monthly payment. Does this mean that they can't get a home loan? Actually I have three solutions for your reference.

First, increase the down payment ratio, reduce the loan amount and extend the loan term as much as possible, but the economic pressure of paying the down payment in advance will be greater; The second is to appropriately increase the income filled in the income certificate, but this cannot be blindly exaggerated, otherwise the monthly repayment amount will increase accordingly in the future, which will affect the quality of life in the future; Third, we can increase the number of co-borrower, write two names on the house purchase contract, with the buyers as the main lenders and the co-borrowers as the sub-lenders, thus increasing the total income and further increasing the bank loan amount.

Myth 4: You can't borrow money to buy a house without proof of income of the unit.

Although most people can get the income certificate issued by the company, private entrepreneurs, freelancers and other groups can't issue the income certificate of the unit, so they can't buy a house? Of course not.

If private owners can't issue income certificates, they need to provide the bank's business license, tax registration certificate, tax payment certificate (different regions have different requirements for continuous tax payment) or bank deposit slips for the last six months. If you are a freelancer, it is best to provide a bank deposit slip or personal income tax payment certificate for nearly 6 months.

Income certificate 5 personal income certificate issued by the work unit, which proves that the individual has income documents. Personal income certificate is one of the materials to be submitted when applying for personal loan.

For example, to apply for a personal credit loan, you need to submit proof of income, proof of work, proof of identity and proof of residence. Among them, the proof of income refers to the proof of personal economic income. The following is a sample of a bank's income certificate.

Xxxx bank:

An employee of our company (name) _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ applied for a loan from your bank. This is to certify that his position in this company is _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

Basic salary: _ _ _ _ _ _ Yuan/month

Bonus: _ _ _ _ _ _ Yuan/month

Bonus: _ _ _ _ _ _ _ Yuan/month

Total: _ _ _ _ _ _ yuan/month, and last year's income was _ _ _ _ _ _ _ yuan/year.

Our unit will bear the legal responsibility caused by the fact that the certificate is inconsistent with the actual situation.

Unit (seal):

Telephone:

Contact person:

Date:

note:

1. The signature of this certificate shall be stamped with the valid official seal of the unit or the seal of the personnel department;

2. The contact person shall be the personnel of the human resources department or accounting department who know the income of the borrower or other personnel with the same position, and shall not be the borrower himself or his immediate family members.

Income certificate 6 to xxxx (bank):

Xx (ID name and number) is an employee of our company. He has been working in our company since xx, and now xxx department holds the position of xxxx. In the last year, the monthly after-tax income of employees was RMB xxxxx (including salary, bonus, allowance, housing accumulation fund, share dividend and other after-tax income). Our unit guarantees that the above certificate is true and valid.

(Official Seal of the Company) Company Address: xxxx

Contact person of personnel department of the unit (signature): xxx

Unit personnel department fixed telephone xxx

Xxx year xxx month xxx day

Income certificate 7 xx:

This is to certify that xx is an employee of xxxx Company and holds the post of xx in xx Department. So far, the total income in the past year is about xxx yuan.

This is to certify that.

This certificate is only used to prove the work of our employee and his salary and income in our company, and is not used as any form of guarantee document for the employee.

Seal: xxxx

Date: xx, xx, XX, XX

Income certificate 8 Introduction: Generally, we need to issue income certificates in some cases, such as visas, bank loans, credit cards, etc. How should I write the income certificate? Look at the introduction below.

model essay

________________:

This is to certify that _ _ _ _ _ _ _ _ is an employee of our company and holds the post of _ _ _ _ _ _ _ _ _ _ _. So far, the total income in the past year is about _ _ _ _ _ _ yuan.

This is to certify that.

This certificate is only used to prove the work and salary income of our employees, and it is not used as a guarantee document for employees under any circumstances.

Stamps:

Date: _ _ _ _ _ _ _ _ _ _ _ _ _

The application for proof of income is a very useful document, so why issue proof of income? Generally speaking, when relevant property buyers apply for housing loans from banks, proof of income is the most important basis to prove their repayment ability. At the same time, the housing certificate will not be as complicated as other documents. Of course, there are still many things that need your attention. Next, let's take a look at the relevant contents of the income certificate application with me.

How to open the income certificate?

Under normal circumstances, the income certificate needs to be issued by the company, and the writing method is very simple. Just indicate your name and income. The repayment ability of bank audit is generally above 50% of net income. Of course, the applicant can also add some borrowers. For example, if you want to apply for a loan with your family, then 50% of their income can meet the loan repayment needs. It's best to print out the payroll for the bank to review. If you are self-employed, you only need to provide a business license and pay taxes. In addition, if the personal income certificate is above 10000 yuan, you need to provide some additional assets certificates, including bonds, bank deposits, vehicle purchase certificates, personal income tax certificates and so on. Then, how to prove the income of buying a house?

First, we must pay attention to the necessary format when issuing income certificates.

Second: the income certificate must be stamped with a "fresh stamp", that is, the copy of the income certificate is invalid.

Third: the seal must be the financial seal of the unit or the official seal of some units. Moreover, it must be a round stamp.

Fourth: the annual income should be the sum of some basic wages, bonuses, benefits, etc. Within one year, personal income tax and insurance premiums will also be deducted.

What is the content of applying for income certificate?

Then, what are the contents of applying for proof of income? First of all, the title should be clearly written in the other party's unit. Like a bank. Then, the information of the certifier is also crucial. This is to certify that XXX with ID number (1234567890 123456) is an employee of our company. Personal income should also be clearly written. This comrade works in XXX position of our company, with an annual income of _ _ million yuan. You also need to write clearly the purpose of the certificate. For example, this certificate is only used for employees' housing loans and cannot be used for other purposes. This is to certify that. Then write down the name of the company. It should include the full name, address and contact telephone number of the unit. It is also important to write down the person in charge. This item is mainly for the convenience of verification. The next step is to write down the names of the units and departments, and be sure to affix a special seal. Next, let's take a look at the sample income certificate.

I started my work in _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ At the same time, I promise that this certificate will only be used for bank loans to buy a house and will not be used for other purposes. All legal risks arising from the income certificate issued by AA Co., Ltd. shall be borne directly by the promisor himself. This commitment is effective and irrevocable! Commitment xxx, x years x months x days.

Income Certificate 9 This is to certify _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _.

Hereby certify!

Unit signature

Family year month day

Income certificate 10 to xx bank:

This is to certify that Mr./Ms. (married, unmarried, divorced) is an on-the-job employee of our company (formal temporary part-time), and now she holds cc position and title in our company; I have been working in the company for cc years, and the company is xxx, with a total monthly income of RMB 10,100 Yuan only (in figures ￥), and my ID number is xxxxxxxxx.

My unit is legally responsible for the authenticity of the above information.

This is to certify that.

Contact person of personnel and labor department:

Contact telephone number:

date month year

Seal of unit:

Income certificate: 1 1 This is to certify that xxx, an employee of our company (xxxx Company), has worked in our company for xx years as the manager (post) of xx department, with a total monthly income of xxxxx.00 yuan, which is the after-tax (or pre-tax) salary.

Xxxx company

XX year x month x day

Seal of unit:

date month year

Income certificate 12 This is to certify that xx is an employee of our company and holds the post of xx in xx department. So far, the total income in the past year is about xx__ yuan.

This is to certify that.

This certificate is only used to prove the work and salary income of our employees, and it is not used as a guarantee document for employees under any circumstances.

xxx

Xx，xx，XX，XX

The income certificate of13 _ _ _ _ _ _ _ (ID number: _ _ _ _ _ _ _ _ _) is an employee of our company since _ _ _ _ _ _. The employee's monthly income in the latest year is RMB _ _ _ _ _ _. _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

We guarantee that the above certificate is true and effective.

Unit address:

Person in charge of the unit (signature):

(official seal of the company):

_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

Proof of income: 14 This is the employee of our company _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _. Hereby certify!

(official seal) _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

Address of the company: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

Company contact: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

Company phone number: _

Income certificate 15 This is to certify that xxx (Mr. or Ms.):

Xx department of my unit (1, officially working; 2. Contract workers; 3. Temporary workers; ), monthly income of xx yuan, annual income of xx yuan. The above scenario is true.

This is to certify that.

Address: xxxx

Company phone number: xxxx

Unit contact: xxxx

Seal of unit:

X20xx year xx month xx day