Now many people will consider going to the bank for loan business. Because the bank is a formal institution, it also ensures that everyone chooses to go to the bank for loans. However, the bank will also make corresponding inquiries, and the bank will also inquire about the source of the down payment, and the inquiry also includes some specific contents.

Proof of income such as salary.

Specifically, the bank's inquiry about the source of down payment also includes several categories. First, the bank will definitely check the proof of the client's salary and income, and the bank will review the proof of the lender's salary and other income. This is to further judge whether the buyer has the ability or strength to obtain this fund, so the bank must make an inquiry in this regard. Generally speaking, the bank will verify by phone and ask the lender in person.

Inquire about bank flow

The most direct way for banks to examine the source of down payment is to directly query the bank flow of the source of down payment, so that the relevant institutions or personnel of the bank can directly see the relevant information of the applicant. Its realization is that many people may buy commercial housing, but the price of commercial housing is getting more and more expensive, and many people can't afford it or don't have enough money to pay in one lump sum, so everyone may go to the bank to apply for a mortgage, and the relevant procedures are not so complicated now. If you meet the corresponding conditions, you can also apply to the bank. Generally speaking, when people go to the bank for loans, they will have running records, and banks can review the corresponding sources by looking at these running records.

Bank credit information system

Personal credit has played an increasingly important role in society, and banks will certainly review the credit information of the parties. This is to prevent the buyers from obtaining the corresponding funds through loans, so banks must also make inquiries through these systems to determine whether the credit information of lenders has been inquired.

Does the mortgage check the source of down payment?

The mortgage will check the source of funds for the customer to pay the down payment to ensure that the customer pays the down payment with his own money. Therefore, customers need to provide a down payment receipt when they apply for a mortgage, as well as bank running water. In addition, the bank will also check the customer's credit report to see if the customer has a recent consumer loan record and whether there is a large credit card (debit card) transfer.

Married couples apply for a mortgage, and the bank will also check the bank flow and credit report as the borrower's spouse.

Check the source of down payment before applying for a mortgage. What's the point of the bank doing this?

It is of great significance for banks to check the source of down payment before applying for mortgage. Monitoring the source of down payment can prevent improper funds from flowing to the real estate market, which will have a great positive effect on the return of real estate to normal. In addition, this is also to respond to the call of the corresponding countries for real estate policies, and to avoid small and micro loans and improper funds from flowing into the real estate market. Finally, the bank can also judge the repayment ability of the lender through the source of the down payment on the house, which also avoids the risk that the loan cannot be recovered for the bank.

First, respond to the call of national policies.

According to the national policy requirements, the Financial Supervision Bureau has clearly announced that companies that require loans cannot provide down payment loans to property buyers. That is to say, some loan companies, whether banks or financial companies, can't use the loaned money as a down payment for buying a house. This is to prevent some people with ulterior motives from using down payment loans and final payment loans to finance the purchase of houses.

Second, in order to ensure the normal development of the real estate market.

A few years ago, the real estate market was overheated, and many people just needed the interests of buyers. It is precisely because of a few improper reasons that house prices are pushed up for no reason, which leads to some buyers who just need to buy houses at high prices and bear the high pressure of mortgage, which will bring a lot of uncertainty. Therefore, it is necessary for banks to review the qualifications of buyers to stabilize and standardize the real estate market.

Third, guarantee the interests of banks.

Before we apply for a mortgage, we must review the bank flow for half a year, because the bank flow is the most direct proof of a person's repayment ability. Now the down payment also needs to provide personal running water to prove whether the buyers really have this ability, not the loan income, which is also very important to ensure the interests of banks.

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