The down payment cannot be transferred by relatives. According to the regulations of the bank, the down payment of the loan applicant can only be made by himself or his immediate family members. If it is transferred by other relatives, the bank will not recognize it, and even the transfer of brothers and sisters does not meet the requirements. If you or your immediate family members have loans, large credit card overdraft records, large special installment records, etc. After half a year in running water, the bank can't approve it.

How to check the source of down payment when buying a house with a loan?

1, check the bank flow.

At present, the house price is relatively high, and the down payment of 30% should be at least100000. If the down payment is through online loans, credit cards, etc. Generally, there is a running water record, and the bank will trace the source of the down payment according to the situation of more running water.

2. Check the credit information of the lender

When approving the loan, the bank will check whether there are records of P2P and small loan companies from the lender's credit report, whether there are records of consumer loans and large credit card consumption under the lender's name, and then apply for a mortgage.

3. Check the credit of * * * with the repayment person.

If you buy a house by family, you will check the credit information of your spouse, parents and children. You will also check whether there are consumer loan records and large credit card consumption in their names, and check their running records to see if there are large transfers.

What if the bank finds out the source of the down payment?

1. If the source of mortgage down payment is not approved, the customer can contact the customer service of the handling bank to find out the specific reasons for refusal. Customers can also try to increase the down payment and reduce the loan amount, which will also help improve the probability of mortgage approval.

2. If the down payment provided by the borrower is transferred by an indirect relative, the borrower needs to provide the bank with specific transfer instructions, in which the word "loan" cannot appear, otherwise it will be easily recognized as a loan by the bank. Secondly, the borrower can provide the bank with the running records of the accounts of non-immediate relatives for half a year to prove that the funds were not obtained through informal channels.

3. If the bank still does not allow the borrower to apply for a mortgage, the borrower may also consider changing the bank that applied for the loan. Every bank has different qualifications for borrowers. If Bank A refuses to pass, Bank B may pass. Of course, it is suggested that borrowers should first understand the bank's mortgage quota and mortgage policy when choosing a loan application bank.