Yes, the bank staff will go to the applicant's unit to verify or call to verify whether the income certificate provided by the applicant is true after accepting the loan application from the buyers.

Information required for housing loan:

1. The borrower's valid ID card and household registration book;

2. Proof of marital status, unmarried persons need to provide proof of unmarried, and divorced persons need to issue a civil mediation or divorce certificate (indicating that they have not remarried after divorce);

3. If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate;

4. The borrower's income certificate (salary income certificate or tax payment certificate for half a year);

5. Property title certificate or purchase contract;

6. Guarantor (ID card, household registration book, marriage certificate, etc. Is required).

Will the bank call me to verify the BOC mortgage application after the information is submitted? What questions will the bank ask me if you call me?

Bank of China will comprehensively evaluate the credit status and solvency of applicants and guarantors, conduct pre-lending investigation through interviews, telephone verification and home visits, and complete customer information verification. After accepting your loan application, we will examine and approve it accordingly. For details, please consult the loan handling bank of China.

The above contents are for your reference. Please refer to the actual business regulations.

Will the mortgage bank call to check the on-the-job income certificate?

The general mortgage bank will call to check the on-the-job income certificate.

The relevant contents of the return visit are generally as follows:

1. Call back mainly asks: work information, work unit, monthly salary, working years, home address, etc. , pay attention to truthfully answer;

2. In addition, the bank will also call the company's landline to pay attention to the company's answering the phone;

3. The purpose of the bank telephone call back is to confirm the authenticity of the information submitted by the borrower.

Note: If you don't receive a return call, some banks will make a second call, but you need to take the initiative to contact the bank to explain the situation, otherwise your loan progress will be affected.

Extended data

1. Borrower's pre-loan consultation: Fill in the Application for Mortgage of Residential Houses and submit the following supporting materials to the bank:

First, the borrower's fixed income certificate issued by the borrower's unit (the bank will check it);

Two, the loan guarantor's business license and legal person certificate and other credit documents;

3. The borrower has a legal and valid identity certificate; The relevant certificate of the ownership of the house or the certificate that I have the right to the house according to law;

Iv. Appraisal report, appraisal certificate and insurance certificate of the mortgaged property;

Five, the purchase and construction of housing contracts, agreements or other documents; Other documents or materials required by the lending bank.

2. The bank examines the borrower's loan application, purchase contract, agreement and related materials.

3. The borrower shall hand over the title certificate, insurance policy or securities of the collateral to the bank for safekeeping.

4. The borrower and the guarantor of both parties sign the housing mortgage loan contract and notarize it.

5. After the loan contract is signed and notarized, the bank's deposits and loans to the borrower are transferred to the selling unit or building unit specified in the purchase contract or agreement.