Housing provident fund loans also check the source of down payment. As long as it is a loan to buy a house, banks generally review the source of down payment. On the one hand, it will prevent funds from credit cards or other credit products from entering the property market, which will affect market stability. On the other hand, it is also to confirm that the lender has the ability to make a down payment, such as borrowing money to make up the down payment and paying off his own loan. There may be some risks in down payment loans and mortgage loans, for example, such customer banks are generally unwilling to accept them.

Check the down payment, check the proof of salary income; Immediate family transfer, it is necessary to provide immediate family members in recent months.

1. Provide the down payment process. Before summoning, the lender shall provide an explanation of the source of the down payment in recent months; It can be current savings, investment and wealth management balance, commercial insurance balance, Alipay wallet balance, personal stock balance and so on.

2. If family members have deposits that can be immediately shared or interrupted one year ago, they should be checked.

What should I pay attention to when buying a house and paying the down payment?

1. With a permit, it means that the developer has a land use permit, a planning permit, a construction project permit, etc. This is the key to buying a house. When purchasing, you need to pay attention to whether the purchased building number is within the pre-sale range. If you buy an existing house, the developer must provide the house ownership certificate and the state-owned land use certificate. Buying an existing home needs to check whether the developer has a big name.

2. If the project is mortgaged and the loan cannot be repaid at the expiration of the mortgage period, the bank will exercise the mortgage as the mortgagee and auction the property, and the proceeds will be paid in advance. As a third party, buyers can't compete with banks, and the risks are self-evident. As the mortgage inquiry of auction house does not accept individuals, you can entrust a lawyer to inquire if necessary.