Exhibit 31-2
                                 CERTIFICATIONS

         I, Thomas J. Riha, certify that:

         1.   I have reviewed this quarterly report on Form 10-Q of WNC HOUSING
              TAX CREDIT FUND VI, L.P., SERIES 12;

         2.   Based on my  knowledge,  this annual  report does not contain any
              untrue  statement of a material  fact or omit to state a material
              fact  necessary  to make  the  statements  made,  in light of the
              circumstances   under  which  such   statements  were  made,  not
              misleading  with  respect  to the period  covered by this  annual
              report;

         3.   Based  on my  knowledge,  the  financial  statements,  and  other
              financial  information  included  in this annual  report,  fairly
              present in all material respects the financial condition, results
              of  operations  and cash flows of the  registrant as of, and for,
              the periods presented in this annual report;

         4.   The registrant's  other certifying  officer and I are responsible
              for   establishing  and  maintaining   disclosure   controls  and
              procedures (as defined in Exchange Act Rules 13a-15e and 15d-15e)
              for the registrant and we have:

               (a)  Designed such disclosure controls and procedures,  or caused
                    such disclosure controls and procedures to be designed under
                    our  supervision,   to  ensure  that  material   information
                    relating  to  the  registrant,  including  its  consolidated
                    subsidiaries,  is made  known to us by others  within  those
                    entities,  particularly  during  the  period  in which  this
                    annual report is being prepared;

               (b)  Evaluated the  effectiveness of the registrant's  disclosure
                    controls  and  procedures  and  presented in this report our
                    conclusions   about  the  effectiveness  of  the  disclosure
                    controls and procedures, as of the end of the period covered
                    by this report based on such evaluation; and

               (c)  Disclosed  in this  report  any  change in the  registrant's
                    internal  control over  financial  reporting  that  occurred
                    during the registrant's  most recent fiscal quarter that has
                    materially  affected,  or is reasonably likely to materially
                    affect,  the  registrant's  internal  control over financial
                    reporting; and

         5.   The  registrant's   other   certifying   officer(s)  and  I  have
              disclosed,  based  on our  most  recent  evaluation  of  internal
              control over financial reporting, to the registrant's independent
              registered  public accounting firm and the audit committee of the
              registrant's  board  of  directors  (or  persons  performing  the
              equivalent functions):

               (a)  All significant  deficiencies and material weaknesses in the
                    design or  operation  of  internal  control  over  financial
                    reporting which are reasonably likely to adversely affect in
                    the registrant's ability to record,  process,  summarize and
                    report financial information; and

               (b)  Any fraud, whether or not material, that involves management
                    or  other  employees  who  have a  significant  role  in the
                    registrant's internal control over financial reporting.

         Date:    August 10, 2005




         /s/ Thomas J. Riha
         ------------------

        Senior Vice-President - Chief Financial Officer of WNC & Associates, Inc