When applying for housing loans, banks can only check their deposits, but other banks can't. Information required for mortgage loan:

1.3. Original and photocopy of the ID card and household registration book of the applicant and spouse (if the applicant and spouse are not registered in the same household, a marriage certificate shall be attached).

2. The original purchase agreement.

3. 1 Original and photocopy of advance payment receipt for 30% or more of the house price.

4. Proof of the applicant's family income and related assets, including payroll, personal income tax bill, income certificate issued by the unit, bank deposit certificate, etc.

5. The developer's collection account number is 1 copy. Loan procedures: first, go to the bank to understand the relevant situation; Apply for individual housing loan with all relevant materials; Then accept the bank's audit and determine the loan amount; Next, you can apply for a loan contract and the bank will apply for insurance; Handle the registration and notarization of property right mortgage; The last thing left is the cancellation of registration after the bank issues loans, the borrower repays on a monthly basis and pays off the principal and interest.

Second, when applying for housing loans, can banks check citizens' personal deposits?

When applying for housing loans, banks can only check their deposits, but other banks can't.

Information required for mortgage loan:

1.3. Original and photocopy of the ID card and household registration book of the applicant and spouse (if the applicant and spouse are not registered in the same household, a marriage certificate shall be attached).

2. The original purchase agreement.

3. 1 Original and photocopy of advance payment receipt for 30% or more of the house price.

4. Proof of the applicant's family income and related assets, including payroll, personal income tax bill, income certificate issued by the unit, bank deposit certificate, etc.

5. The developer's collection account number is 1 copy.

Loan procedures:

First of all, go to the bank to understand the relevant situation;

Apply for individual housing loan with all relevant materials;

Then accept the bank's audit and determine the loan amount;

Next, you can apply for a loan contract and the bank will apply for insurance;

Handle the registration and notarization of property right mortgage;

The last thing left is the cancellation of registration after the bank issues loans, the borrower repays on a monthly basis and pays off the principal and interest.

3. Will the Agricultural Bank inquire about personal big data when handling the mortgage?

Housing mortgage loans, banks must put the ceiling after construction. Therefore, it seems that it will take a long time from handling the relevant loan procedures to actually issuing it according to the construction progress.

4. When applying for a housing loan, can banks inquire about citizens' personal deposits?

Unless it is in the lending bank's own bank, you can't find the deposit information of other banks.