The bank will find out the source of your down payment.

Banks generally judge the source of the down payment through two channels, namely, the bank card flow that pays the down payment and the borrower's family credit information.

1. Downpayment bank card flow: check the half-year flow to see if there are loans, entrusted payment loans, loans, loans, intermediary transfers and financing institution transfers. If so, the down payment is not the family's own funds, which does not meet the regulatory requirements. If the running water has the transfer record of others, it should also provide the running water of the transfer card for nearly half a year.

2. Borrower's family credit investigation: The purpose is to see if there are any new consumer loans or credit card installment businesses in the last six months. It is explained that the down payment is obtained by borrowing, which also does not meet the regulatory requirements for the source of the down payment.

1. What should I do if the source of mortgage down payment is not approved?

(1) If the source of the down payment on the mortgage fails to pass the examination, the customer can contact the customer service of the handling bank to find out the specific reasons for rejection, and then supplement the information (such as running water, certificates of deposit, etc. ) to prove that the down payment is really made with your own money, not the money from the loan.

(2) In addition, customers can try to increase the down payment and reduce the loan amount, which will also help improve the chances of mortgage approval.

⑶ It should be noted that the down payment must use the customer's own money, which can be salary income, wealth management income, dividends, bonuses, etc. It can also be transferred by spouse, parents and other immediate family members, but it must not be a loan.

(4) Once the bank finds that the funds for paying the down payment come from loans, it is bound to worry that the customers' economic life is unstable, their repayment ability is insufficient, and they can't even afford the down payment, so they will think that lending is risky and refuse to grant loans. Also, the minimum down payment is 30%. If the customer does not pay enough money, it will not pass the examination.

2. How to calculate the down payment for buying a house?

There are many factors that affect the down payment, such as the minimum down payment ratio stipulated by the policy, or the number of properties of the buyers themselves, which will affect the calculation of the down payment. Bian Xiao specializes in calculating down payment, regardless of other special reasons and policies. If the buyer is buying the first house and it is a new house, under normal circumstances, the down payment cannot be less than 30% of the total house price. For example, if you want to buy a house with a price of 1 10,000 yuan, 30% is the down payment of 300,000 yuan.

Should the bank check the source of down payment when buying a house with a loan? You'll know after reading it

; ? To buy a house with a loan, you need to use your own funds to pay 30% of the house price as a down payment, and many people want to apply for online loans or overdraft credit cards to make up the down payment. It is not recommended to do so. You know, the bank will check the source of the down payment. Once it is found that the lender obtains the down payment through unknown channels, the possibility of being refused the loan will be higher. Let's have a look.

1. Why should the loan bank check the source of down payment?

A few years ago, the real estate market was hot, and a large amount of leveraged funds flowed into the property market, which led to soaring house prices. In order to curb real estate speculation and overheating, in 18, the CBRC issued a policy to severely crack down on misappropriation of consumer loans and illegal overdraft of credit cards, and strictly controlled the illegal inflow of personal loans into the stock market and the property market.

To this end, the bank strictly checks the source of the down payment of the lender according to the policy.

Second, how to inquire about the source of the down payment for the loan to buy a house:

1, check the bank flow: at present, the house price is relatively high, and the down payment of 30% should be at least100000. If the down payment is through online loans, credit cards, etc. Generally, there is a running water record, and the bank will check the source of the down payment according to the large amount of running water.

2. Check the lender's credit report: When approving the loan, the bank will check whether there are records of P2P and small loan companies from the lender's credit report, and whether there are records of consumer loans and large credit card consumption under the lender's name before handling the mortgage.

3. Check the credit information of the same borrower: if you buy a house by family, you will check the credit information of your spouse, parents and children, and also check whether there are consumer loan records and large credit card purchases. In their name, and check their operation records to see if there is a large transfer, etc.

Check the source of down payment in Chengdu in 2022?

Don't check. According to relevant public information, the source of mortgage down payment will be transferred through the bank without checking the source. Down payment is the lowest proportion of down payment according to the national proportion when buying a house. Payment can also be higher than this amount, but not lower than this amount.

How does the bank check the mortgage down payment?

There are three ways for banks to check the source of down payment. One way is to look at the lender's credit report to see if the lender has a large loan in the near future. Second, the bank will review the income certificate and bank flow submitted by the lender to see if the lender really has enough economic ability, and the income information inside can also help to judge the source of the down payment. The third bank will directly consult the lender about the source of the down payment.

If the bank finds that the source of the lender's down payment is a loan, it shows that the lender's economic conditions are not so good and there is a relatively large debt pressure. For the sake of risk control, the bank may refuse the lender's loan application.

Therefore, lenders must be cautious when applying for loans, and do not raise the down payment by borrowing. Banks can generally find it. When your financial ability is not so good, you should be rational about loans, don't give too much repayment pressure to your later life, and borrow reasonably on the premise that your personal income can cover loan expenses and living expenses. Banks generally judge the source of the down payment through two channels, namely, the bank card flow that pays the down payment and the borrower's family credit information.

Downpayment bank card flow: check the half-year flow to see if there are loans, entrusted payment loans, loans, loans, intermediary transfer, financing institution transfer. If there is any explanation, the down payment is not the family's own funds and does not meet the regulatory requirements. If the running water has the transfer record of others, it should also provide the running water of the transfer card for nearly half a year. To apply for personal commercial loan of BOC, you can log in to BOC Mobile Banking and inquire about the repayment date, amount, principal, interest, remaining installments and overdue status of the loan in "Loan-Loan Inquiry". The above contents are for your reference. Please refer to the actual business regulations.