Reconciling income schedules before a rural credit filing

When a branch officer opens a rural credit package, the first numerical test is often whether the income figure on the cover letter survives contact with the attachments. In our desk reviews across central Taiwan, mismatches between payroll stubs, seasonal sales ledgers, and the stated monthly income remain the most common reason a file returns for “clarification.”

Start from the exhibit that will be trusted most

For wage earners, that is usually the consecutive payroll slips covering the period the form requests. For farm or stall income, it may be a sales notebook plus bank deposits for the same weeks. Write the cover-letter income only after those exhibits are assembled — never the other way around.

Name the period on every schedule

A schedule labelled “average monthly income” without stating whether it covers the last six or twelve months invites a polite rejection letter. Put the exact months in the header of each table, even if the printed form does not ask for them.

Leave a short bridge note for unusual months

Typhoon closures, festival spikes, or a one-off equipment sale can make a single month look like a contradiction. A one-paragraph bridge note next to that month’s exhibit saves the reviewer from guessing — and saves you a follow-up request.

We are not writing this as legal guidance; it is simply how we see strong packages behave before they leave the kitchen table for the branch.