Banks should check the source of down payment funds of mortgage customers, mainly by looking at the down payment receipt and bank flow provided by customers, and also by looking at the credit report (if the bank flow and credit report of married spouses are also inquired).
Then confirm that the customer did pay the down payment with his own money, and the bank's running balance was stable in the past six months. Parents, spouses and other immediate family members need to prove that they have their own funds; If the funds were held by relatives six months ago, they can be directly identified; If it is deposited intermittently, it needs to be verified as reasonable income.
In addition, there are no large suspicious consumer loans in the credit report recently, and there is no record of large credit card transfer and withdrawal.
Once banks find that customers don't use their own money to pay down payment, they are bound to worry that the risk of lending is greater, and that customers don't have enough repayment ability, and most of them will refuse to approve loans. In particular, if it is found that the customer pays the down payment with loan funds, it is likely to directly terminate the loan, recover the money and demand a one-time payment.
So that customers don't have enough money to apply for a mortgage and pay the down payment, and they can't withdraw their credit card line to pay the down payment. Because the source of the mortgage down payment must be the customer's own funds, if the down payment is paid with the funds withdrawn by the credit card, it is actually the bank's money. Once discovered by banks, most mortgages will not pass the examination and approval, and banks will directly refuse to approve loans.
In addition to withdrawing cash by credit card, customers can't use the funds obtained from the loan to pay the down payment. But also prohibit credit cards and loans to buy a house. Once it is found to be used in the real estate market, banks are likely to freeze credit cards, terminate loan contracts and require customers to pay in one lump sum.
If the customer really can't afford the down payment, he can try to borrow money from friends and relatives around him, and let the other party transfer the money to his bank card, and then use it to pay the down payment. We need to note that the minimum down payment for mortgage is generally 30%. If it is a second suite, the down payment ratio is often higher, and the State Council stipulates that it should not be lower than 40%.
A number of banks in Guangzhou strictly investigated the source of down payment for house purchases and cracked down on illegal funds flowing into the property market.
A few days ago, Guangzhou further strengthened supervision over the phenomenon that funds represented by "operating loans" illegally flowed into the property market.
According to media reports, at present, the mortgage agents in Guangzhou have received notices from many banks to further investigate the source of down payment from March 17. The "down payment" for buying a house must be the family's own funds. If it is verified that the source of the down payment is loan, bridge payment or borrowing from others, it is strictly forbidden to enter.
The account manager of a bank in Guangzhou told the China News Service reporter that the buyers who are currently lending in the bank must provide proof of the source of the down payment and cannot use funds such as "commercial loans" and "credit loans". It is understood that at present, some buyers in Guangzhou have been told by the bank that the mortgage approval has not passed because they have "operating loans" under their names.
Xie Yifeng, president of China Urban Real Estate Research Institute, said in an interview with China News Service that in order to prevent buyers from buying houses through leverage, many banks in Guangzhou reviewed the source of down payment funds for buyers. After the introduction of this policy, once the buyers who use illegal funds are investigated, they may not only be able to buy a house, but also face the risk that the deposit they have paid cannot be returned.
In Xie Yifeng's view, the government's determination to crack down on investment housing purchase is relatively firm, which can alleviate the psychological expectation of rising housing prices to some extent.
It is worth noting that on March 16, China Banking and Insurance Regulatory Commission Guangdong Supervision Bureau announced that credit funds illegally flowed into the property market. Among them, Guangzhou banking institutions found that the amount of problem loans suspected of illegally flowing into the real estate market was 65.438+0.47 billion yuan, with 305 households. Banking institutions will deal with illegal loans by terminating the quota, settling in full at one time, and repaying in advance by installments.
Not only in Guangzhou, but also on March 18, Shenzhen Supervision Bureau of China Insurance Regulatory Commission and Shenzhen Central Sub-branch of People's Bank of China jointly issued "Circular on Issues Related to Operating Loans of Banks in Their Jurisdiction", which notified three typical cases, exposed the operation methods of operating loan funds that illegally flowed into the real estate market, and asked banks in their jurisdiction to further strengthen the management of operating loans that illegally entered the property market.
Zhang Dawei, chief analyst of Zhongyuan Real Estate, believes that operating loans are the main reason for the obvious rise in the property market. Before 20 19, it is unlikely to use commercial loans to buy a house because it is unprofitable. General operating loans will be paid off within 1 to 3 years, and the interest rate is much higher than that of mortgage loans. In this case, most people will not use commercial loans to buy a house.
Zhang Dawei pointed out that in 2020, due to special policies, the operating loan cycle will be longer and longer, and the interest rate will be much lower than that of mortgage loans, so both buyers and banks have the idea of operating loans to enter the building.
According to the sales price data of commercial housing in 70 large and medium-sized cities released by the National Bureau of Statistics of China in March15, the second-hand housing prices in the four first-tier cities rose collectively, while those in Shanghai, Beijing, Guangzhou and Shenzhen rose by 1.3%, 1.2%, 1.0% and 0.9% respectively.
Zhang Dawei pointed out that the recent crackdown has been very strong, which has cracked down on some behaviors of short-term use of new houses and taking commercial loans when new enterprises are registered. The strength of this policy will definitely curb the overheating of the market, return operating loans to the essence, help enterprises operate, and to some extent curb the irrational and unhealthy development of the entire property market.
A number of banks were exposed to investigate the source of down payment for home purchases. How strict is it?
Some banks only accept their own funds. If it is an immediate family member, a running water certificate is required. In addition, the source of down payment funds transferred by others is not allowed to apply for mortgage. According to media reports, Guangzhou has also started the mortgage control policy. Customers applying for a mortgage must specify the source of their down payment. Except for their own funds and the funds of their immediate family members, the funds transferred by others are not allowed to be mortgaged. According to an insider, although I knew that the regulation would be tightened in the near future, I didn't expect it to be so strict. Immediate family members can only be limited to parents, children and even brothers and sisters.
This not only affects real estate speculators, but also affects people who just need it. In other words, if young people want to buy a house and pay the down payment, it is useless to borrow money from other channels except their parents, because there are not many sources of down payment funds, and the bank will not handle the mortgage for you at all. Someone sent a message online, and he finally got the number. However, due to the irregular source of down payment funds, the result was directly rejected by the bank, and finally he could only check out.
Under this powerful control, it is becoming more and more difficult for real estate speculators to borrow money or misappropriate funds for real estate speculation. Many intermediaries also revealed that the tightening of bank loans has become an inevitable trend and will not change in the future.