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爲什麽存五萬需要收入證明呢世界速看

來源： ? 2023-02-08 19:57:17

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存款5萬需收入證明?爲什麽?近日，浙江湖州一個女子去銀行存款5萬，被銀行櫃員要求出具收入證明。下面是小編給大家整理的爲什麽存五萬需要收入證明呢，希望大家喜歡!

爲什麽存五萬需要收入證明呢

近日，浙江湖州一個女子去銀行存款5萬，被銀行櫃員要求出具收入證明，而且要提供自己的住址和聯系方式以及工作單位，女子感覺不理解自己的5萬塊錢，爲什麽要出具這些證明材料呢?于是她從5萬元中抽出了100存了4.99萬，結果順利完成，還得到了一桶油的贈品。她把相關視頻發到網上，會引起了很多人的關注，大量網友在下面留言討論，有的人說自己也遇到過類似經曆，而有的人則認爲銀行的這種做法不合理。多個銀行的工作人員表示，各個銀行的標准並不相同。有的銀行回應，不論存多少錢都要證明資金來源，填寫收入證明，而有的銀行則明確表示只有存款數額超過30萬的時候，才會填寫與收入證明相關的資料。其實任何銀行也不想多事，只是人民銀行等行政管理單位對各家商業銀行有要求，他們也都只能嚴格落實罷了;國家爲了防止洗錢、防止來源不明的資金被存入銀行，也是爲了加強大額資金監管被迫采取的措施，沒有辦法的事情。其實很多時候，也就是口頭上說一下就行了，不用出相關的證明。但只要說明了資金來源，如果以後萬一出事查證資金來源和填的不一致，那是要承擔法律責任的。

什麽是收入證明?

所謂收入證明，是我國公民在日常生産生活經營活動中，所需要的對經濟收入的一種證明，一般在辦理簽證、銀行貸款，信用卡等會被要求由當事人單位出具的對經濟收入的證明。它是在辦理買房按揭時的主要參考內容之一，直接反映辦理人的還款能力。

開收入證明時要注意什麽

1、保證信息真實有效：購房收入證明中信息的真實性是銀行關注的重點，購房者在開收入證明的時候一定要確保自己的身份信息和收入證明上的信息是完全一致的。這些細節應該能落實到了個人姓名、身份證、職務、年齡、手機號碼、住址這些小細節上，因爲銀行會重點核對這些方面。

2、不能誇大收入：有的朋友爲了能達到貸款要求，會高開收入證明，如果你有這種思想就大錯特錯了。收入證明不能太高、也不能太低，一般要求是符合城市的收入水平、符合行業收入水平、符合自己公司、工作崗位級別收入水平。並且要高于銀行月供還款的2倍稍多一點，這樣就基本不會被拒貸。高開收入證明很容易被銀行發現並且拒貸的，也是大家很容易忽略的事情。

3、使用統一格式：不同的銀行對于收入證明的格式要求不同，有些銀行對收入證明的格式有統一的規定，但是有的銀行沒有，因此大家在開收入證明的時候，具體怎麽做還是需要問貸款銀行。

4、突出重點，避免繁瑣：購房者在開收入證明的時候要注意內容，收入證明的內容不在于多而在于精，盡量突出重點比較好。比如，除了姓名、年齡、職位等基本信息，可以著重體現股票分紅等含金量高的信息，並加蓋單位公章，注意必須是“鮮章”，複印件無效。

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爲什麽存五萬需要收入證明呢 世界速看

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