Consumer loans applied online usually don't ask about the purpose of consumption, as long as the purpose can be stated when applying for loans, but the amount of consumer loans applied online will be relatively low. Generally, the consumer loans handled by bank outlets will be directly called by the bank to the third party, and the bank will inquire about the purpose at this time.

Consumer loans will stipulate the use of funds. Usually it can only be used for personal consumption such as tourism, education and decoration. , but not for mortgage, stock market investment and other fields. However, in real life, it is not uncommon for borrowers to buy houses with funds borrowed from consumer loans. For this reason, the supervision has strengthened the control of consumer loan funds, and the bank's review of mortgage loans has become stricter, especially in terms of the source of down payment.

First, we will check the lender's family credit information. Once the lender and his family members have applied for consumer loans in the first half of the mortgage, even if the down payment card has no record of consumer loan transfer, it will be paid off before applying for a mortgage, because there is suspicion of down payment.

Secondly, we will check the bank flow of the down payment card provided by the lender. If the bank does not recognize the words "loan, entrusted payment of loan, borrowing, lending, transfer of intermediary institutions, transfer of financing institutions", if there is a transfer record of others, it is necessary to provide the transferor's bank card flow and proof of reasonable income.

Therefore, as long as the consumer loan is a credit card, no matter how it is transferred, it can be found layer by layer from the bank card. Even if all the money is taken out and deposited in the bank card, the proof of reasonable income is inevitable, and the mortgage bank will also provide proof of the use of consumer loans. If it is a transfer, it will not be recognized.