In the mortgage application process, fabricating income or assets is a serious fraud and will bring risks to the lender. The following are some methods that may be used for fraud: ### Fabricating income 1. **Falsifying income certificates** - **Specific methods**: - Using forged company seals and financial seals to privately make false income certificates. The certificate will falsely report income items such as salary amounts and bonuses to make it appear that the income level is much higher than the actual situation. For example, the actual monthly salary is 5,000 yuan, but it is forged as 15,000 yuan. - Purchase blank income certificate templates through some illegal channels and then fill in false information on your own. These templates may look similar to income certificates from regular companies, but the content is completely fabricated. - **Risks and impacts**: - If the lender fails to carefully verify the authenticity of the income certificate during the review, it may grant an excessively high loan amount based on false information. This will increase the credit risk of the lender, and once the borrower fails to repay the loan on time, the lender will face losses. - For the borrower itself, excessive borrowing may lead to excessive debt burden, and ultimately inability to repay the loan, facing the risk of credit bankruptcy and property repossession. 2. **Exaggerating part-time or sideline income** - **Specific methods**: - Applicants will fabricate non-existent part-time jobs or exaggerate the actual sideline income. For example, they claim that in addition to their main job, they also have a stable part-time writing income of 5,000 yuan per month, but in fact they do not have such a part-time job. Or they exaggerate the profits of their small business, exaggerating the actual monthly profit of 1,000 yuan to 5,000 yuan. - When providing income flow, false part-time income records may be mixed in. For example, bank flow is modified through some technical means, or forged part-time income transfer records are provided. - **Risks and impacts**: - Lenders assess loan amounts based on these exaggerated income situations, which will lead to incorrect judgments about the borrower's repayment ability. When the borrower cannot repay the loan as expected, the lender's fund recovery is threatened. - Once such fraud is discovered, the borrower will not only be held legally responsible, but will also leave a serious stain on their personal credit record, affecting future financial activities. 3. **Collusion with others to issue false income certificates** - **Specific methods**: - The applicant colludes with the company where friends or relatives work to have these companies issue false income certificates. For example, a friend works in a small company with a monthly salary of 3,000 yuan, but issues an income certificate for the applicant with a monthly salary of 10,000 yuan. The content and format of the certificate are completely forged in accordance with the requirements of the lending institution. - They may also cooperate with false salary flows to forge salary payment records by making false fund transfers between friends or relatives' companies, making the entire evidence of fictitious income look more complete. - **Risks and impacts**: - This joint fraud increases the difficulty for lending institutions to identify. If the lending institution fails to detect it, it will grant a loan amount that does not match the actual repayment ability based on the false income certificate. Once the borrower defaults, the lending institution will suffer huge losses and also disrupt the normal financial order. - All parties involved may face legal liability, including the company and its related personnel that provided the false certificate, as well as the fraudster who applied for the loan. ### Fictitious assets 1. **Forged property certificate** - **Specific methods**: - Forged property certificates through technical means such as computer synthesis, scanning and splicing. Forging other people's property information or fictitious property information on the property certificate, so that the lender mistakenly believes that the applicant has more properties as asset collateral. For example, there was originally only one property on the property certificate, and several sets of false property information were added after the forgery. - Purchase forged property certificates, which are similar in appearance and format to the real ones, but the content is completely fictitious. Some forged property certificates are even equipped with false property transaction records, property registration information, etc., trying to pass off the fake as the real ones. - **Risks and impacts**: - When lenders assess loan amounts and risks based on false property certificates, they will greatly underestimate the actual risks. If the borrower cannot repay the loan, the lender will find that the property does not exist or there are problems with the property rights when disposing of the mortgaged property, resulting in the inability to recover the loan. - This fraud is a serious financial fraud. Once discovered, the borrower will face criminal penalties, and the personal credit record will be completely destroyed, making it difficult to gain the trust and loan of any financial institution in the future. 2. **False reporting of bank deposit balance** - **Specific methods**: - The applicant uses some illegal software to modify the bank account balance screenshot to make it look like there is a large amount of deposit in the account. For example, a bank account with a balance of only 1,000 yuan was modified to show a balance of 1 million yuan. - Providing false bank deposit certificates, colluding with bank insiders or obtaining forged bank deposit certificates through some illegal channels, which show a high deposit balance, but in fact the bank