Buying a house with a loan is a down payment by swiping a bank card, but not everyone's bank card supports it. According to the regulatory requirements, the card used to pay the down payment must be the card of the lender himself or his immediate family members, such as parents and children, because the mortgage is based on the family.

However, it is difficult to verify the lender's repayment ability because the lender himself needs to provide proof of income when handling the mortgage, such as swiping the parents' and children's cards to pay the down payment. If it is the down payment of the lender's own bank card, it is best to provide proof of running water of this card, combined with proof of income.

Therefore, if the down payment is from immediate family members, it is best to let them transfer the money to the bank card used by the lender to pay the down payment, and provide the bank with a transfer card to prove that it is reasonable income. The operation time can not be less than 6 months, and the bank will check the credit for half a year.

Note that the down payment must last for more than 6 months, which can be salary, wealth management income, insurance income, etc. There must be no words such as loan, loan, transfer by credit company. This is the same for lenders and immediate family members. If there is running water, you can't cross it, and you need to save it again.