Will the bank randomly check the loan information?

When you go to the bank to apply for a mortgage loan, the bank will ask you to provide all kinds of information, such as ID card, marriage certificate, household registration book, bank account, salary certificate, no property certificate and so on.

Among them, the most favored by banks is bank running water, because bank running water is the most direct proof of everyone's income, which determines whether everyone can apply for a mortgage and how much they can apply for.

According to the auditing standards of major banks at present, the requirements of banks for running water are basically the average incoming water in the last six months, and must be able to cover more than twice the monthly supply.

For example, to apply for a mortgage, the monthly payment is 5,000 yuan, and the corresponding running water must reach 10000 yuan to meet the audit standard. If the bank's running water can't meet the bank's requirements, either directly refuse or reduce the loan amount.

But in reality, not everyone's bank flow can meet the requirements of banks, especially those individual industrial and commercial households. Many people usually don't go to the bank to withdraw money, so the bank can't meet the requirements of mortgage application.

At this time, some friends will start to move some thoughts and even make some fake water through some platforms, thus getting away with it.

Of course, in addition to the fake bank flow, someone may provide some fake divorce certificates in order to enjoy the interest rate of the first suite.

For these fake materials, if the bank's audit is not strict, or if the bank and the real estate agent have some interests, they may pass smoothly, and finally they can apply for a mortgage.

However, in recent years, the supervision of mortgage in China has become more and more strict, and the probability of applying for mortgage through fake materials is getting smaller and smaller. If you are found to have applied for a mortgage through fake materials, you may even get your mortgage back.

What if you successfully applied for a mortgage through fake materials and have paid off your monthly payment for several months, and now the bank suddenly finds out that the materials are fake? Will banks lend money?

First of all, it is certain that under the background of very strict supervision, fraudulent qualifications may lead to loan withdrawal.

In the past two years, major cities in China have significantly strengthened the crackdown on illegal activities in the property market, especially the behavior of buying houses through fake materials and fake qualifications has become the focus of supervision.

For example, since 2020, Shenzhen has strictly investigated the illegal entry of operating loans into the property market. If some customers apply for commercial loans through false materials, and then use commercial loans as down payment or full purchase of real estate, once verified, they will indeed lend.

From 2020 to 20021year, many property buyers in Shenzhen did get loans in advance. In the end, these illegal property buyers can only borrow money everywhere to repay bank loans.

Secondly, if the property buyers meet the requirements, only the bank's running water or income certificate is fraudulent, which will not be greatly affected.

Nowadays, many people just need it, but because the bank water corresponding to income can't meet the needs of banks, they have no choice but to make some fake water.

Some of these fake waters are printed directly through PS. This kind of water bank knows at a glance that it is fake and it is basically impossible to pass the audit.

There are real transaction flows, but these flows are not revenue flows, but flows that are operated by third-party intermediaries and slowly made in half a year.

In fact, this kind of fake water from a third-party organization can't pass if the bank carefully examines it, because the applicant's daily average account balance or monthly average account balance basically can't meet the requirements of the bank.

However, in the context of relatively loose bank credit, some banks can only turn a blind eye in order to make more mortgages, as long as the average flow meets the requirements.

For this kind of false flow, even if the bank finds it in the later self-inspection, it will not actually affect the user's loan. As long as the user does not default but repays on time and the purchase conditions meet the requirements of the regulatory authorities, the bank will basically not lend money in advance.

Unless you apply for a bank loan through fake materials, it is often overdue, which makes the bank's housing loan risky and it is indeed possible for the bank to get a loan.

Of course, if people fake divorce or provide other false information in order to enjoy the down payment, it is hard to say whether the bank will find out.

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