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Where is the proof of income generally used?
Proof of income is generally used in the following places:

Issuing proof of income is an essential link in applying for credit card, bank loan and studying abroad. When applying for a housing loan, the bank will ask the lender to provide proof of income to ensure its future repayment ability and reduce the risk of the bank. If the lender can't provide proof of income, it is usually difficult for the bank to apply for a loan.

The difference between before tax and after tax:

Pre-tax refers to wages without tax deduction, and after-tax refers to wages after personal income tax deduction.

Pre-tax salary, also called payable salary, is the monthly salary you can get in that month, including salary, rice sticker, car sticker, house sticker, bonus and so on. Bonuses in some units are calculated separately, so pre-tax wages include wages, rice stickers, car stickers, housing stickers, various fixed subsidies and allowances.

After-tax salary refers to the salary income actually obtained after deducting five insurances and one gold pension insurance, medical insurance, work injury insurance, maternity insurance, unemployment insurance, individual contributions in provident fund and personal income tax from pre-tax salary. Social insurance and housing accumulation fund paid by individuals are paid before tax.

Therefore, the after-tax salary is actually paid by the company, and there is no need to deduct the expenses. After-tax wages refer to the wages actually paid. After-tax salary refers to the salary actually paid after deducting one's five insurances and one gold and paying personal income tax.

Personal income tax refers to the income obtained by an individual who has a domicile in China or has no domicile but has lived in China for one year and obtained from China and abroad. Individuals who have lived in China without domicile or residence for less than one year and obtained income from China.

To sum up, proof of income is used for visa, bank loan, credit card and other banking services.

Legal basis:

Article 20 of the Individual Income Tax Law of People's Republic of China (PRC)

For income from wages and salaries, the taxable income shall be the balance of monthly income after deducting expenses of 3,500 yuan.

The lost time fee is determined according to the lost time fee and income of the victim. The lost time fee is determined according to the certificate issued by the medical institution where the victim receives treatment. If the victim continues to be absent from work due to injury and disability, the absence time can be calculated to the day before the date of disability. If the victim has a fixed income, the lost time fee shall be calculated according to the actual reduced income. If the victim has no fixed income, it shall be calculated according to his average income in the last three years; If the victim can't provide evidence to prove his average income in the last three years, he can refer to the average salary of employees in the same industry or similar industries where the Court of Appeal is located in the previous year.