After the bank determines the down payment, it needs to issue a property certificate to the bank and explain the reasons for the down payment to the bank. Because the down payment is required by the borrower, the bank requires the borrower to pay the down payment himself in order to judge the borrower's repayment ability. If the loan is used for down payment, the bank will doubt the borrower's repayment ability.

Since the bank doubts the borrower's repayment ability, the borrower can issue a property certificate to the bank to dispel the bank's concerns. Property certificates include deposits, gold, real estate, automobiles, stocks, funds and wealth management products. After the borrower submits the real estate license to the bank, it is also necessary to explain the reasons for the down payment.

If the borrower does not pay the down payment, it can be explained from the perspective of capital flow. For example, if the parents transfer money to the borrower to pay the down payment, the borrower can bring the household registration book, the parents' ID card, my ID card, the parents' bank card (bank card for transfer) and the parents' bank to the bank to prove that the down payment comes from the parents.

Prove that the down payment comes from the parents, and provide the bank with the parents' bank flow, prove the parents' repayment ability, and cooperate with their monthly income certificate to inform the bank that there is no problem with their repayment ability.

If the borrower pays the down payment, he needs to tell the bank truthfully and explain it from the aspect of fund allocation. Under normal circumstances, closed-end funds cannot be withdrawn before maturity, and stocks sold at will may lose money.

What if there is a credit loan in the down payment? It is no use trying to muddle through.

Many people want to borrow money to buy a house, but the down payment is insufficient, so they plan to fill the funding gap by handling credit loans. However, most credit loans will receive credit information, and all of them are made by financial institutions. You can check the credit information and bank card flow. So, what if there is a credit loan in the down payment? Here is a brief introduction.

What if there is a credit loan in the down payment?

Loans to buy a house are first down payment and then loans. Banks will verify the source of down payment by checking credit information and bank card flow, and it is carried out on a family basis. Therefore, no matter the lender himself or his immediate family members, as long as there is a credit loan record within 6 months before the mortgage, and there are words such as loan and loan in the bank card within 6 months, no loans will be issued.

Because there is a credit loan in the down payment, the bank will judge the down payment loan and the bank will reject the lender's mortgage application. Lenders and their immediate family members must first pay off the down payment, issue a loan settlement certificate, and re-open a bank account, and then come back for a loan six months later.

During this period, social security or provident fund cannot be cut off, otherwise even if it comes naturally, it is very likely that social security and provident fund deposit time will not be paid continuously, and loans will not be able to buy a house. After all, many cities restrict purchases, and only those who meet the payment time of social security and provident fund are eligible to borrow money to buy a house.

Note that the credit information will still be displayed after the credit loan is paid off, but the repayment status will be displayed as settled. As long as there is no serious bad record, the source of down payment and the bank flow are qualified and meet other requirements of mortgage, there is still no big problem. Among them, the bank flow can be salary flow, self-storage flow, and immediate family transfer is also supported, as long as there are no words such as borrowing.

The above is the relevant introduction of "What to do with a down payment and a credit loan", and I hope it will help everyone.

What if the bank finds that the down payment is borrowed? Banks around the country have begun to strictly check the source of down payment!

Property buyers want to go to the bank to apply for a mortgage, the first thing they need to prepare is the "down payment". Local banks have different requirements for down payment, but at least 20% of the house price needs to be prepared. A friend asked, what if the bank found that the down payment was borrowed? Banks around the country have begun to strictly check the source of down payment!

What if the bank finds that the down payment is borrowed?

According to the regulations of the central bank, if the bank finds out that the source of the down payment of the buyers is the loan, it will undoubtedly refuse the loans of the buyers. It is suggested that buyers can make a fixed transfer to their savings card six months in advance and then use it as a down payment. The average bank will only check the buyer's running water and transfer records within half a year.

As long as the buyers deposit the down payment into the savings card six months in advance, the bank will not doubt that this is a loan. In addition, we need to remind everyone that in addition to private lending, if buyers still have commercial loans and consumer loans, they will all affect loans.

According to the regulations, the down payment prepared by buyers must be the family's own funds, and the gifts from immediate family members are also included. If the transfer is made by a non-immediate family member, it is likely to be recognized as a loan, unless the buyer can provide the transfer records of the non-immediate family member within half a year to prove that the loan is not from a certain lending channel.

In addition, those who have held 80% of the down payment funds half a year ago can be directly recognized as qualified, and those who transfer part of the down payment within half a year need to be verified as reasonable income. When submitting the loan compliance link, it is necessary to verify the borrower's family credit information again. If there is a new consumer loan or credit card installment business, it must be settled in advance before it can be released.

The above is the related content sharing of "the bank found that the down payment was borrowed", hoping to help everyone!