Check the down payment on buying a house. When buying a house loan, most banks will inquire about the source of the down payment. It is strictly required that the down payment must be family-owned funds. If it is verified that the source of the down payment is loan, raise funds to cross the bridge, and it is strictly forbidden to borrow loans from others. If it is found out, it will be borrowed.

Most banks require lenders to provide running water for nearly half a year, and the words "loan, trust company, loan or loan, advance capital" are not allowed in the running water. If you have held 80% down payment funds six months ago, you can directly identify it as qualified. Some banks also stipulate that if the down payment is transferred by immediate family members (parents, children and in-laws), it is also necessary to provide immediate family members with running water for nearly half a year.

What is the purpose of checking the source of mortgage down payment?

The main purpose of checking the source of mortgage down payment is to prevent improper funds from flowing into the real estate market, especially to avoid loan funds from flowing into the real estate market; It is also to judge the customer's repayment ability through the source of down payment to avoid the risk that the loan cannot be recovered. This can also stabilize and standardize the real estate market and protect the interests of banks.

And because of this, customers need to pay attention to the fact that the down payment of the house must be their own money, not the funds obtained from the loan. Otherwise, once the bank finds out, it is likely to refuse the mortgage.

How do banks judge the source of down payment?

In fact, it is relatively simple for banks to judge the source of down payment. They can directly inquire about the flow of down payment bank cards and the credit information of borrowers and their family members, and basically judge the source of down payment.

If you apply for a loan to buy a house, the bank will ask to check the operation of the bank for 6- 18 months to see if there are loans, loans, loans, intermediary transfers, financing institutions transfers, etc. If there are these loans, you can judge whether they are loans.

Some areas require the down payment to be family-owned funds. If there is someone else's transfer record, then the bank will also require the transfer card to run for 6 months. If the loan has a down payment, it does not meet the requirements of the source of down payment.