The down payment must be self-owned funds, and all kinds of borrowing funds are prohibited. Even if you borrow it from your parents, you should check the tap water for half a year! It is strictly forbidden for all kinds of illegal funds to enter the property market, and the review is unprecedented!

First, Guangzhou implemented the down payment and reviewed the New Deal.

/kloc-since March of 0/7, Guangzhou has implemented a new down payment review policy to further investigate the source of down payment for house purchase, which must be family-owned funds! If it is verified that the source of the down payment is loan, bridge advance payment, or loan in the name of others, it is strictly forbidden to enter.

Specifically including:

1. Provide the down payment process. Before arraignment, the borrower's family needs to provide the source of down payment for nearly half a year; It can be demand deposit, wealth management balance, insurance balance, Alipay balance, stock balance, etc.

2. Those who have held 80% of the down payment funds half a year ago can directly qualify; For part of the down payment transferred within half a year, it needs to be verified as reasonable income.

3. For immediate family members, it is necessary to provide tap water for immediate family members for nearly half a year; If a relative holds it six months ago, it can be directly identified; If it is deposited intermittently, it needs to be verified as reasonable income.

4. It is forbidden for banks to enter after verifying that the source of down payment is borrowing, raising funds to cross the bridge or borrowing from others.

5. When submitting the loan compliance link, you need to verify the borrower's family credit information again. If there is a new consumer loan or credit card installment business, it must be settled in advance before it can be released.

It can be said that this audit is unprecedented and has a great impact on property buyers. Fake water, fake certificates and loans will be banned, which can be summarized in the following two aspects.

1, strictly check the down payment.

To apply for personal mortgage, you must provide a down payment account for nearly 6 months, and customers who have applied but have not yet lent money must supplement it.

The source of the down payment must be owned by the family or immediate family members, and it is forbidden to use all kinds of borrowing funds for the down payment.

This means that large amounts of money transferred by brothers and sisters or relatives and friends cannot be used as a source of down payment for compliance.

If the down payment is transferred within half a year, it is necessary to explain the source of funds, and parents and other immediate family members should also provide proof of running water for half a year to prove that they are their own funds.

2. Unsettled private loans, commercial loans and consumer loans will affect the first loan.

In order to prevent commercial loans or consumer loans from flowing into the property market, if there are commercial loans or consumer loans in the name of the applicant and they are not settled, the mortgage will not be approved.

In addition, there are problems with credit information or abnormal flow, which will also lead to the rejection of loan approval.