My dad is the main lender, should I give my dad a relay loan to check my flow? I have a deposit in m

Different loan application conditions are different, and if you need to evaluate according to your comprehensive qualifications, whether you can lend money is subject to the final review result. You can log in to Ping An Pocket Bank APP-Finance-Loans to learn about our loan products and try to apply.

Hello, there are many platforms that can choose online loans, and compared with other loan methods, the loan application of online loan platforms is more convenient, but it is necessary to pay attention to choosing a formal platform, which can better protect personal interests and information security. At the same time, do not pay pre-loan fees to avoid being scammed.

It is recommended to use Youqian Hua, the original name of Youqian Hua is "Youqian Hua", which is a credit brand of Du Xiaoman Finance, which provides users with safe and convenient, unsecured and unsecured credit services

It has the characteristics of simple application, low interest rate and fast loan, flexible borrowing and repayment, transparent interest rate and strong security.

Share with you the application requirements for consumer products with money: it is mainly divided into two parts: age requirements and information requirements.

2. Information requirements: During the application process, you need to provide your second-generation ID card and your debit card.

Note: Only debit cards are supported, and the application card is also your debit card. My identity information must be the second-generation ID card information, and I cannot use a temporary ID card, an expired ID card, or a first-generation ID card to apply.

This answer is provided by Youqianhua, due to objective reasons such as the timeliness of the content, if the content is inconsistent with the actual interest calculation method of the Qianhua product, it shall be displayed on the page of Du Xiaoman Financial APP-Youqianhua Loan. Hope this helps.

It's not so troublesome, and it can help you pack and handle it, the same day.

If your dad is the main lender and you give your dad a relay loan, then you will definitely check your bank statement, if your turnover is not good, it will be difficult to pass the loan approval.

influential;

For relay loans, parents and children are the objects of bank credit review, if the credit investigation is not good, which will affect the review and lead to the rejection of the loan, you can consult CCB before processing.

Of course, there will be an impact, because the loan will check the credit of the whole family, so if there are immediate family members with bad credit, it will affect the loans of other people.

Buying a house and mortgage are all commercial loans, you have no problem in this situation, wait for the good news, there will be no problem.

Don't be quiet that you should be a business loan.

It mainly depends on your credit information.

No, there is a formal face-to-face signing procedure for bank loans, and the information you need to provide includes proof of income and salary card flow, as long as this aspect is sufficient, there is no need to provide credit proof of deposit. At the same time, the bank is not allowed to disclose your information to a third party without your permission.

According to the Law of the People's Republic of China on Commercial Banks:

Article 29 A commercial bank shall follow the principles of voluntary deposits, free withdrawal, interest-bearing deposits, and confidentiality for depositors in handling personal savings deposit business.

Commercial banks have the right to refuse any unit or individual to inquire, freeze, or deduct personal savings deposits, except as otherwise provided by law.

Article 30 A commercial bank shall have the right to refuse to make inquiries from any unit or individual, except as otherwise provided by laws and administrative regulations; It has the right to refuse any unit or individual to freeze or withhold the transfer, except as otherwise provided by law.

Article 31 A commercial bank shall determine the deposit interest rate in accordance with the upper and lower limits of the deposit interest rate stipulated by the People's Bank of China and make a public announcement.

Article 32 A commercial bank shall, in accordance with the regulations of the People's Bank of China, deposit deposit reserves with the People's Bank of China and reserve sufficient reserves.

Article 33 A commercial bank shall guarantee the payment of the principal and interest on the deposit, and shall not delay or refuse to pay the principal and interest on the deposit.

Bank loans are mainly aimed at personal credit reporting, and in this case, the bank that accepts your loan can inquire about your deposit in this bank. You can rest assured that the bank will not disclose your information to a third party without your permission.

The court cannot check the bank statements of the person subject to enforcement, because the flow of the person subject to enforcement may involve property outside the case, and the property that the people's court inquires, seizes, freezes, transfers, or sells must not exceed the scope of the obligations that the person subject to enforcement shall perform. Therefore, the court cannot inquire unless authorized by law. The relevant laws and regulations are as follows:

Civil Procedure Law of the People's Republic of China

Article 242:Courts have the power to employ enforcement measures.

If the person subject to enforcement fails to perform the obligations set forth in the legal document in accordance with the enforcement notice, the people's court has the right to inquire about the property of the person subject to enforcement, such as deposits, bonds, shares, and shares. The people's courts have the right to seize, freeze, transfer, or sell the property of the person subject to enforcement according to different circumstances.

People's courts must not inquire about, seize, freeze, transfer, or sell property beyond the scope of the obligations that the person subject to enforcement shall perform. When a people's court decides to seize, freeze, transfer, or convert property, it shall make a ruling and issue a notice of assistance in enforcement, and the relevant units must handle it.

WeChat and Alipay should be able to be checked. There is a reason for the court not to check the flow of water, because the people's court is to inquire and freeze his property to fulfill the judgment of the people's court, but it cannot trace the whereabouts of his property, because the whereabouts of all people's property must be legal and illegal. The Executive Board does not have the responsibility to distinguish between transfers and normal transactions.

The court can check it, but not anytime, anywhere, anyone can check it. It is necessary to apply to the superior, and after approval, it will be checked together. However, now the enforcement divisions of many courts are "lazy", although they can be checked, but they need to be troublesome, so they may not be checked!

This person won't come back to you to check.

If it is a large amount of money, then you can apply to the court for revocation, if it is a small amount, there is no way to recover it, and those used for family living expenses cannot be recovered, and other property can only be seized.

Not counted. The mother is the main lender, and the ownership of the house is in the mother's name, not in the name of the child, but in the child's debt.

This kind of personal housing relay loan means that the borrower applies for a loan term as the main lender that does not match the bank's age requirement for the borrower (for example, 50 years old, the loan repayment period is 30 years, and the repayment period exceeds the maximum age limit of 70 years old), and the borrower's age requirement can be met by adding a co-borrower (the co-owner of the purchased house and the relationship with the main lender is a child).

1. Because there is already a house under the name that is repaying the loan, the second set is counted, if the previous house loan has been paid off, it can be treated as the first house.

2. Definition criteria for second suites:

1. If you have bought a house with a loan, you can find the property through the housing registration system, and then take out a loan to buy a house - it is counted as two sets.

2. If you have bought a house with a loan and later sold it, you can't find the property through the housing registration system, but you can find the loan record in the bank collection system, and then take out a loan to buy a house - it is counted as two sets;

3. If you have bought a house in full, you can check the property through the housing registration form system, and you can buy a house with a loan - it is counted as two sets.

Fourth, I bought a house in full, and later sold it, and the housing registration system could not find the property, so I took out a loan to buy a house - the first one. 5. If the local housing registration system does not have the conditions for inquiry, the bank shall conduct due diligence to verify that the buyer already has one house, and then buy another house - two sets will be counted.

6. If there are two commercial loan records under the individual's name, one has been paid off and the other has not been paid off, and the reloan is recognized as three suites.

7. The individual has a commercial loan record of two houses under his name, all of which have been paid off and **, and can provide proof of two houses **, in this case, although the individual has no house in his name, it will also be regarded as three houses when refinancing.

8. If there is a commercial loan in the name of the individual that has been paid off, and the other is a provident fund loan that has also been paid off, at this time, whether you apply for a provident fund loan or a commercial loan and then buy a house, it will be regarded as three suites.

9. Husband and wife, one party buys a house before marriage and uses a commercial loan, and the other party buys a house before marriage with a provident fund loan, and after marriage, the two want to take out a joint loan in the name of the husband and wife.

10. If one of the husband and wife has a house before marriage but has no loan record, and the other party has a loan record before marriage but has no real estate in his name, the loan application for buying a house after marriage is regarded as three suites.

1. In the relay loan of the Agricultural Bank of China, the mother is the borrower, and the children's income flow is only the guarantor. According to the mother's first set, the maximum loan is 7%, and the children's qualifications to buy houses again are not occupied. At most, it will be reflected in the credit report that you will have this liability.

2. At present, you have a mortgage property, which belongs to having a house and a loan, if it is really calculated, it is three sets. At present, the three sets are not loaned. Logically. At best, it will only increase your debt. There is no such thing as qualification.

You can transfer the loan to you, but you have to pay off the loan. It is also possible to take out a third loan, but the requirements are stricter.

Pay off the loan first. In the past, there was a saying of "re-mortgage", but there were also conditions, and the lending bank had to examine whether you were qualified to borrow.

They don't have the authority to check your statements from other banks.