Does the bank still check the transaction status after the loan is granted? I don’t know how to check bank statements, but I know how to check this

Go to the bank to apply for a loan. Bank statements, salary certificates, personal identity information, loan application forms, etc. are all necessary documents. If your personal credit check or bank statements are not up to standard, you will not be able to apply for a bank loan. Will the bank still check the transaction status after the loan is granted? I don’t know how to check the running water, but I can check this!

Does the bank still check the transaction status after the loan is granted? In principle, banks will only check bank statements before disbursing money. After the loan is disbursed, the bank will not check again, but if the borrower applies for a loan for a long time, the bank may check the bank statement again before disbursing the loan. In any case, there will definitely be no further inquiries after the loan is released. Although the bank does not check the bank statements, the borrower will conduct "post-loan management". After the loan is disbursed, it is likely that the borrower's credit report will be inquired. The so-called "post-loan management" actually refers to the entire process of credit management from the issuance of a loan or other credit business until the recovery of principal and interest or the end of credit. Banks generally check the borrower's credit status from time to time after disbursing a loan. If it is found that there are serious overdue records on the borrower's credit report, it will be judged that there is a problem with the borrower's repayment ability. In order to prevent loan funds from being unrecoverable, banks will take some measures, such as asking borrowers to repay the loan in advance. However, there is no need to worry. Too many post-loan management inquiries will not affect your personal credit report. Some banks perform routine post-loan management every month, or if you have recently had a high credit card overdraft or abnormal loan, etc., they will also perform post-loan management. As long as the borrower maintains a good credit report, there will be no impact. The above is the sharing of relevant content on "Does the bank still check the bank balance after the loan is obtained?", I hope it can help everyone! Will a mortgage loan check the source of income?

A mortgage will check the source of income. When borrowing a mortgage, you need to make sure there is no active transaction in your bank card. After preparing the information for borrowing a mortgage, you can When you go to borrow money, be sure to ask about the interest rate. Once you know it, you can use it. If you think the interest rate is too high, you can find another bank to borrow money from.

1. Will a mortgage loan check the source of income?

The bank statements of a mortgage will not only look at the collection records, but also the withdrawal records. When preparing bank statements, users should be careful not to take them out as soon as they are put in. Such banking activities failed. A sum of money will be deposited in the bank card every month, so that it can be regarded as a random amount of disposable funds. Users need to prepare for such bank statements. The requirement for bank statements is to record the deposits of current bank accounts for more than 6 months. Withdraw money. If the user has something fixed, there is no need to prepare bank statements.

2. Mortgage application process

Borrower pre-loan consultation: fill in the "Residential Housing Mortgage Application Form" and submit the following supporting documents to the bank: the borrower's fixed financial statements issued by the lender Proof of income; loan guarantor’s business license, legal person certificate and other credit certification documents; legally valid identity certificate of the borrower; house ownership certificate that complies with relevant laws and regulations or a house that I have the right to control; evaluation report and evaluation certificate of the mortgaged property and insurance documents; house purchase and construction contracts, agreements or other certificates; documents or information required by the bank. Banks should review the borrower's loan application, home purchase contract, agreement and related materials. The borrower should hand over the title certificate and insurance policy or securities of the mortgaged property to the bank for safekeeping. The guarantors of both the borrower and the lender sign the housing mortgage loan contract and have it notarized. After the loan contract is signed and notarized, the bank's deposits and loans from the borrower are transferred to the house selling unit or building unit specified in the house purchase contract or agreement.

As can be seen from the above, when borrowing a mortgage, the source of the bank card transaction will be checked to prevent people from being unable to repay the loan. Will the bank still check the transaction status before approving the loan?

If the bank will run a secondary review on the user, it may also query the user's loan information before approving the loan. At this time, it may query the user's bank statement.

The bank does not run a secondary review. As long as the user passes the loan review and signs the loan contract, subsequent users will not check the user's bank statements. As long as the user meets the loan threshold and has passed the review, he or she can basically pass the review again.

Most bank loans do not have a second review, so before the loan is approved, users can wait patiently for the result. Does the bank need to see bank statements when taking out a house loan?

Bank statements record your financial flow of funds at a specific time. Bank statements can, to a certain extent, prove an individual’s repayment ability. When banks or other lending institutions grant loans, in addition to considering an individual's credit score, they also mainly consider the individual's repayment ability. If the amount of the current account in the personal journal is large, it is a proof of your personal income; it shows that the individual's repayment ability is relatively strong when applying for a loan, which is helpful for applying for a loan;

Through the journal, you can see: 1. You income and expenses; 2. Your roughly stable monthly balance; thus, the bank can determine whether you are able to repay the loan. 3. Your identity, work and other basic information.

I am an employee of Elite Real Estate. I hope my answer can be helpful to you.