If you pay with your own salary, it can be explained that it comes from wage income.
At the same time, provide relevant supporting materials, such as bank statements, payrolls (preferably for the last six months), etc.
If it is a relative transfer, it is ok, but you need to prove your kinship with the other party.
Like immediate family members, it is best to prove it. Generally, it is enough to provide materials such as household registration book and birth certificate.
Of course, there must be no "loan" in the label of relatives' transfer, and the bank can't identify it as a private loan, so it won't recognize the down payment and refuse the loan.
It should also be noted that the funds obtained from credit card overdraft cannot be used to pay the down payment, which is similar to the problem of loan down payment, and banks will suspect that the repayment ability is insufficient and the loan risk is too high.
In fact, if you don't know the specific regulations, you can call the bank customer service directly.
Most people will leave traces of inquiries when using the credit records of the central bank, which is not good for lending friends. Moreover, most online loans have no credit information, so no specific online loan information can be found in the credit information, but now you can know your personal information through "Beijian Quick Query". Without inquiry records, you can learn more about overdue information, application records, untrustworthy information, online loan blacklists and other information.
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How to calculate the mortgage down payment?
Regarding the down payment of mortgage, different regions, different banks and different mortgage types, whether it is the first suite or the second suite, the regulations may be different.
For example, the down payment of the first personal commercial housing loan is generally not less than 30% of the total housing price, but it may be adjusted in various places. For example, Shanghai stipulates that the down payment ratio of the first set of commercial housing loans should be at least 35%.
For the first individual housing provident fund loan, the down payment for the building area below 90 square meters (inclusive) is at least 20%, and the down payment for the building area above 90 square meters is at least 30%.
As for the second suite, the State Council stipulates that the minimum down payment ratio shall not be less than 40%.
Of course, banks in many places may rise, which may be 50% to 60% or even 70%.
For example, Shanghai stipulates that the minimum down payment for second-home loans is 50% for ordinary self-occupied houses and 70% for non-ordinary self-occupied houses.
If you are not clear, you can directly call the local handling branch or the customer service phone of the provident fund management center.