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: February 14, 2006




/s/ Thomas J. Riha
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Senior Vice-President - Chief Financial Officer of WNC & Associates, Inc.