This is not recommended, and your behavior may be suspected of loan fraud.

Crime of defrauding loans

"Anyone who has obtained a loan, bill acceptance, letter of credit, guarantee, etc. Whoever cheats a bank or other financial institution, causing heavy losses to the bank or other financial institution or having other serious circumstances, shall be sentenced to fixed-term imprisonment of not more than three years or criminal detention and shall also, or shall only, be fined; Whoever causes particularly heavy losses to banks or other financial institutions or has other particularly serious circumstances shall be sentenced to fixed-term imprisonment of not less than three years but not more than seven years and fined. "

In addition, those who make false bank statements need to bear legal responsibility.

According to Article 280 of the Criminal Law, whoever forges the seal of a company, enterprise, institution or people's organization shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention, public surveillance or criminal detention. The person who made the bank memo forged the bank seal and was suspected of forging the company seal.

reality

If the real estate mortgage provided is true and sufficient, and the repayment is made on schedule, the bank will generally not pursue it.

For banks, personal housing loans are secured by real estate, which is highly secure. At the same time, banks have strong bargaining power and can continue to raise interest rates. In order to finally get the property, most mortgage borrowers will repay the loan on time. Therefore, even if the fake running list is used in the loan application stage, the risk to the bank is not great. This is also the reason why some banks are not strict with the audit of running orders.

As long as the borrower repays the loan on time, it will not cause any loss to the bank. For the sake of risk, banks require borrowers to have income and running water, ultimately to ensure repayment. "Some customers will be willing to do high bank flow in order to borrow more money, but generally buying a house is a family behavior. The whole family repays the loan together, and the willingness of individuals to repay the mortgage is also relatively strong. If the customer can't repay the loan, the investigation finds that it is a forged process, that is, the bank's pre-loan investigation is incomplete and the risk control is not in place.

The suspected crime of lending with a fake running account may be the crime of defrauding loans (article 175 of the criminal law) or the crime of lending (article 193 of the criminal law). If the repayment is made on schedule or the legal collateral is provided, there is no substantial damage to the bank, and generally these two crimes will not be judged. In most cases, if you just forge the bank's running water, but repay the mortgage on time, and the real estate mortgage provided at the same time is true and sufficient, the bank will generally not pursue it, as long as you continue to repay the loan.

Other risks

Many intermediaries and property consultants fool customers in this way and can give some money unconditionally. Get some fake tap water for the people in the bank. You can borrow money. But the risk is that if you have already paid the advance payment or subscription money for the house. Then the loan was gone. Cannot continue to perform the contract. You will constitute a breach of contract and a deposit penalty will be applied. Your savings will be lost.

I've seen many such victims. I hope you're not next.

Second, the running water is not enough. Can banks lend money?

Banks don't have enough liquidity to lend. Generally, to apply for a bank loan, the borrower's monthly bank flow must be more than twice that of the last six months before it can pass the examination. However, if the borrower can provide other materials to prove his repayment ability, he can still apply for a bank loan. The following are some ways to solve the problem of insufficient bank flow and apply for loans:

1. Provide * * * the same borrower: If the personal bank flow fails to meet the requirements for applying for a loan, an immediate family member can be provided as the * * * same borrower, and at the same time, the bank flow of the * * same borrower can basically meet the requirements for bank approval under normal bank flow conditions;

2. Providing effective guarantee mortgage: If the borrower provides effective guarantee certificate and income certificate issued by the unit, which can prove that its overall repayment ability meets the requirements, for example, taking the existing real estate under its name as mortgage guarantee, it can generally apply for a loan;

3. Provide proof of property: If the bank has insufficient running water, the borrower can provide other proof of property to the bank, such as funds, bonds, real estate and automobile products. As long as he can prove to the bank that he has the ability to repay.

Third, the bank doesn't have enough running water. Can it be mortgaged?

On the one hand, you can provide your large property or the deposit in the bank account at the same time. The purpose of the bank is to doubt the repayment ability of the individual, so as long as it can prove the repayment ability, it is ok. Housing loan banks have less running water, which can also extend the loan period, increase the down payment and reduce the loan amount.

4. Can a bank make a loan in less than half a year?

Bank running water can be printed there, which is only an auxiliary proof to prove the lender's repayment ability and assets. It is very important for the lender to meet the requirements of the lending bank, such as local social security certificate or tax payment certificate, income certificate of repayment ability, etc.