Because of these two policy restrictions, many banks have raised the threshold for mortgage applications to screen some users with relatively poor qualifications. Similarly, the source of down payment for loan applicants is also strict, which can also screen out some users with relatively high risks.
According to relevant regulations, the source of the lender's down payment cannot be provided by real estate development enterprises or real estate intermediaries; The down payment cannot be provided by internet financial institutions or microfinance companies; The down payment cannot misappropriate personal consumption loans, personal related loans and other funds; Can't transfer money from non-immediate family members, etc.
If the down payment of the buyer comes from the transfer of non-immediate family members, it is suggested that you can transfer the money six months in advance. Because if the bank finds that the lender has a large transfer record within half a year, it is likely that the bank will regard the amount as a loan.
Legal basis: Notice on issues related to the adjustment of individual housing loan policy
First, continue to do a good job in housing financial services to meet the needs of households for improved housing. Encourage banking financial institutions to continue to issue commercial individual housing loans and housing provident fund entrusted loan portfolio loans to support households to buy ordinary self-occupied housing. For households that own 1 apartment and the corresponding housing loans are not settled, in order to improve their living conditions, they should apply for commercial personal housing loans again to buy ordinary self-occupied housing, and the minimum down payment ratio should be adjusted to not less than 40%. The specific down payment ratio and interest rate level shall be reasonably determined by banking financial institutions according to the borrower's credit status and repayment ability.
Two, to further play the supporting role of housing provident fund for reasonable housing consumption. The paid employee families use the housing provident fund to entrust loans to purchase the first set of ordinary self-occupied housing, and the minimum down payment ratio is 20%; For the paid workers' families who own 1 house and have settled the corresponding housing loans, in order to improve their living conditions, they apply for housing provident fund entrusted loans again to purchase ordinary self-occupied houses, and the minimum down payment ratio is 30%.
Third, strengthen policy guidance and do a good job in implementation, supervision and policy evaluation. The agencies of the People's Bank of China and the China Banking Regulatory Commission at all levels should do a good job in communication with local governments in accordance with the principle of "adapting to local conditions and guiding by classification" and strengthen supervision over the implementation of differentiated housing credit policies by banking financial institutions; On the basis of the unified national credit policy, guide banking financial institutions to reasonably determine the minimum down payment ratio and interest rate level of commercial personal housing loans within their jurisdiction; Closely track and evaluate the implementation and effect of housing credit policy, effectively prevent risks and promote the stable and healthy development of local real estate market.