At present, mortgage loan intermediaries in Guangzhou have received notices from many banks, and since March 17 they will further investigate the source of the down payment. The “down payment” for the purchase of a house must be the family’s own funds. If the source of the down payment is verified to be borrowing, advancement and bridging , It is strictly forbidden to enter the loan by others. In addition to banking channels, small loans are also being reviewed.
A person in charge of a mortgage loan intermediary said, “The strict review is unprecedented.”
At present, the bank has further investigated the source of the down payment mainly from five aspects. Specifically:
Provide down payment flow. Before the review, the borrower’s family needs to provide the source of the down payment for nearly half a year’s flow; it can be a current deposit, or a wealth management balance, insurance balance, Alipay balance, stock balance, etc.
Those who have held 80% of the down payment funds half a year ago can be directly recognized as qualified; for part of the down payment that was transferred in within half a year, it needs to be verified as reasonable income.
For the transfer of immediate family members, the immediate family members must provide the flow of nearly half a year; if the family members have already held it half a year ago, it can be directly identified; if the intermittent deposit is made, it must be verified as a reasonable income.
It is strictly forbidden to enter if the source of the down payment is verified to be borrowing, advancing a bridge, or borrowing from another person’s name.
When submitting the loan compliance link, it is necessary to verify the borrower’s family credit again. If there is a new consumer loan or credit card installment business, it must be settled in advance before it can be issued.