1. Proof of salary and other income. By reviewing the lender's proof of salary and other income, it is determined whether the home buyer has the ability to obtain down payment funds. In this area, verification is usually done through unit certificates and telephone inquiries, as well as inquiries about the lender.

2. Down payment bank statement. The most direct way for a bank to examine the source of the down payment is to examine the bank statements of the source of the down payment. Nowadays, housing prices are relatively high, especially in big cities, where down payments can easily reach millions, and there are usually bank statements. Check the source of the down payment by looking at your bank statements.

3. ***Check the credit of the repayer. In order to prevent home buyers from using family members or related co-repayers to obtain bank loans, banks will also inquire about the credit reports and bank loans of the co-repayers to confirm whether the down payment loan was obtained through a family member. down payment.

4. Bank credit reporting system. Loans through P2P and small loan companies usually require a credit reference inquiry. In order to prevent home buyers from obtaining down payment funds through down payment loans, it is necessary to check whether the lender's credit reference has been inquired through banks' credit reference systems or other systems. Bank loans, overdue information, etc.

5. Inquiry into previous property division status. If the lender has divorced before the loan and has divided the property, it is also a direction of the bank's review. Through the review of the former spouse or former family members, it is possible to rule out whether there is a false divorce or whether there is any undivided property after the divorce. loan.

6. Other inquiries. From different perspectives, there are many ways to conduct bank review, so I won’t go into details one by one. And with the development of time and the updating of means, the methods of review are also constantly changing.

What is the general down payment percentage for buying a house?

1. When a home buyer takes out a loan, they must determine the total price of the house, the down payment, and the total price. Less the down payment is the loan amount. The down payment cannot be borrowed, so as a home buyer, you must have some cash on hand. The general down payment is 30%.

2. If the money you have is more than 30% of the down payment, you can also give cash. The reason for this is to reduce your loan money, because the loan requires interest, so from In total, it is more cost-effective to give more cash and less loan. Of course, this depends on your own situation.

3. The down payment for buying a house is generally: Provident fund loans can be used to apply for mortgage interest. For first-time homebuyers, the down payment is more than 30%. Second-time homebuyers require a down payment of more than 40%. According to local policies, the down payment is 20%. The monthly payment depends on how much the loan is and how many years it lasts.