During the mortgage application process, some applicants may try to mislead lenders into providing higher loan amounts by fabricating income or assets. Here are some possible tactics: 1. **Falsifying income proof**: Applicants may submit fake payroll, employment certificates, or bank statements to exaggerate their income levels. 2. **Falsifying financial status**: Falsifying financial statements or exaggerating the value of assets in the balance sheet, such as bank deposits, stock investments, etc. 3. **Providing false tax returns**: Submitting untrue tax documents to make income appear higher. 4. **Falsifying bank statements**: Falsifying bank statement amounts to make one's assets appear better than they actually are. 5. **Fictitious employer or self-employment income**: Declare employment for a non-existent company, or exaggerate self-employment income, or even forge customer contracts and invoices. 6. **Using third-party loans**: Borrowing funds for a short period of time before applying for a loan to increase bank balances, and repaying the loan immediately after obtaining the loan. 7. **Hidden debt**: Not reporting existing debts to reduce the debt ratio and thus improve the chances of obtaining a loan. These practices are not only unethical, but also illegal in many countries and regions. Once discovered, not only will the loan application be rejected, but there may also be legal consequences. Therefore, being honest and transparent in handling loan applications is the safest course. Lenders usually conduct detailed verification and due diligence to prevent this type of fraud.