Banks should check the source of down payment funds of mortgage customers, mainly by looking at the down payment receipt and bank flow provided by customers, and also by looking at the credit report (if the bank flow and credit report of married spouses are also inquired).
Then confirm that the customer did pay the down payment with his own money, and the bank's running balance was stable in the past six months. Parents, spouses and other immediate family members need to prove that they have their own funds; If the funds were held by relatives six months ago, they can be directly identified; If it is deposited intermittently, it needs to be verified as reasonable income.
In addition, there are no large suspicious consumer loans in the credit report recently, and there is no record of large credit card transfer and withdrawal.
Once banks find that customers don't use their own money to pay down payment, they are bound to worry that the risk of lending is greater, and that customers don't have enough repayment ability, and most of them will refuse to approve loans. In particular, if it is found that the customer pays the down payment with loan funds, it is likely to directly terminate the loan, recover the money and demand a one-time payment.
So that customers don't have enough money to apply for a mortgage and pay the down payment, and they can't withdraw their credit card line to pay the down payment. Because the source of the mortgage down payment must be the customer's own funds, if the down payment is paid with the funds withdrawn by the credit card, it is actually the bank's money. Once discovered by banks, most mortgages will not pass the examination and approval, and banks will directly refuse to approve loans.
In addition to withdrawing cash by credit card, customers can't use the funds obtained from the loan to pay the down payment. But also prohibit credit cards and loans to buy a house. Once it is found to be used in the real estate market, banks are likely to freeze credit cards, terminate loan contracts and require customers to pay in one lump sum.
If the customer really can't afford the down payment, he can try to borrow money from friends and relatives around him, and let the other party transfer the money to his bank card, and then use it to pay the down payment. We need to note that the minimum down payment for mortgage is generally 30%. If it is a second suite, the down payment ratio is often higher, and the State Council stipulates that it should not be lower than 40%.
A number of banks were exposed to investigate the source of down payment for home purchases. How strict is it?
Some banks only accept their own funds. If it is an immediate family member, a running water certificate is required. In addition, the source of down payment funds transferred by others is not allowed to apply for mortgage. According to media reports, Guangzhou has also started the mortgage control policy. Customers applying for a mortgage must specify the source of their down payment. Except for their own funds and the funds of their immediate family members, the funds transferred by others are not allowed to be mortgaged. According to an insider, although I knew that the regulation would be tightened in the near future, I didn't expect it to be so strict. Immediate family members can only be limited to parents, children and even brothers and sisters.
This not only affects real estate speculators, but also affects people who just need it. In other words, if young people want to buy a house and pay the down payment, it is useless to borrow money from other channels except their parents, because there are not many sources of down payment funds, and the bank will not handle the mortgage for you at all. Someone sent a message online, and he finally got the number. However, due to the irregular source of down payment funds, the result was directly rejected by the bank, and finally he could only check out.
Under this powerful control, it is becoming more and more difficult for real estate speculators to borrow money or misappropriate funds for real estate speculation. Many intermediaries also revealed that the tightening of bank loans has become an inevitable trend and will not change in the future.