If there is a problem with the source of down payment, it is generally not allowed to lend, because in order to crack down on real estate speculation, the CBRC issued a document asking banks to strictly verify the source of down payment and strictly control the flow of funds such as consumer loans and bank wealth management into the real estate sector. If the user pays the down payment by applying for a consumer loan or a commercial loan, or obtains funds by using a credit card or a friend loan, once the source of funds is found by the bank, the mortgage application will be rejected.

What requirements does the bank have for the source of down payment?

1. The down payment must be self-owned.

In order to further implement the requirements of housing, housing and speculation, banks now have strict regulations on the down payment of customers applying for mortgage loans. The most important thing is that the down payment fund must be your own, that is, you can't borrow it from others or banks. If the bank finds out, it will be rejected.

2. The down payment cannot come from credit card cash.

Some people will take the opportunity to cash out credit card funds and pay the down payment through the time difference of credit card billing cycle. However, this method is not feasible now, and now the credit report has been updated every other day, so the funds cashed out by credit cards are easy to be found by banks.

How to solve the problem that the source of mortgage down payment is not approved?

If you find that the source of the down payment on your mortgage has not passed the examination, the applicant should immediately contact the customer service of the handling bank to find out the specific reasons for the 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.

In addition, customers can also try to increase the down payment and reduce the loan amount, which also helps to improve the probability of mortgage approval.

What everyone needs to pay attention to is that the down payment must use the customer's own money, which can be salary income, wealth management income, dividends, bonuses and so on. It can also be transferred by spouse, parents and other immediate family members, but it must not be a loan.

Once the bank finds that the down payment comes from the loan, it is bound to worry that the customer's economic life is unstable, the repayment ability is insufficient, and even the down payment can't be paid, so it will think that lending is risky and refuse to approve the loan. Also, the minimum down payment is 30%. If the customer does not pay enough money, it will not pass the examination.