Bank Personal Mortgage 7 Steps:
1. Down payment source: own assets, parent assets, income from house sales.
2. The source of the down payment: the borrower and his spouse, parents, children or children's spouses.
3. Down payment ratio: In addition to the deposit paid, the remaining down payment should provide at least 80% of the own funds.
4. To pay a deposit of more than 50,000 yuan to the seller, you need to provide the transfer voucher and the corresponding payment account past.
5. Credit report (inquiry of borrowers and guarantors)
(1) New consumer loans and business loans in the past 6 months must be settled, and the settlement certificate can only be approved after providing the settlement certificate every month:
(2) Credit reports showing that there are more than 300,000 credit card purchases, installments or financing, which must be settled and proof of settlement must be provided.
(3) Before lending, the customer's credit information will be checked, such as new personal consumption loans, operating loans and credit card installments of more than 100,000, all require settlement. (Except for the loan types mentioned above: auto consumer loans, commercial housing loans, student loans, etc.)
6. Flow requirements:
(1) The supply of the flow must be a detailed version, to display the account name of the transaction counterparty, the channel of payment.
(2) The transfer of large amounts of funds shall not show the words "loan, loan entrusted payment, loan, loan, intermediary transfer, financing institution transfer" and so on.
7. Identification of own assets and parents' assets:
(1) It must be in the name of the borrower and his spouse, parents or children, including but not limited to wealth management balance, insurance balance, Alipay balance, stock balance, etc
(2) If the down payment comes from (foreign) grandparents, siblings, it is also recognized, but a relationship certificate is required.
(3) If the source of the down payment is a third party who earns in the business cooperation transaction, it can provide the in and outgoing account flow of the business transaction with it in the past six months.
