Proof of source of funds - who demands what from whom?

Hello first of all,

how does the proof of the origin of funds work? Let’s look at a concrete example:
Girlfriend contributes a loan amount for the house purchase of €100,000
Boyfriend contributes equity capital of €200,000

Both transfer the amount to the account of the seller or the notary (there are both variants).

The buyer’s bank is surprised by the high total incoming payment of €300,000.
Does it then ask the seller or the notary for a proof of origin of funds (MHV)? And does the seller have to request the requested MHV from the buyer?
In this way, the seller would have very open access to the buyer’s financial situation, such as where the money was invested before the sale, for example, on a stock exchange, and how much money is still there.

Or does the buyer’s own bank already ask for a proof of origin of funds (MHN) when receiving the large amount from the stock exchange or lending bank?
Or does the buyer’s own bank already ask for a proof of origin of funds (MHN) when transferring to the buyer’s account?

What would a proof of origin of funds (MHV) look like?
€100,000 - the financing confirmation including transfer on the bank statement from the lending bank. Does the notary’s or seller’s bank also want to see this again?
€200,000 - the sales confirmation of the securities? Does the bank want to see this again when paying out? And does the notary’s or seller’s bank as well?

I think you are confusing something. This is only for cash deposits from 10k or foreign transfers from 12,500k.

Otherwise, if I am wrong, the seller makes the declaration property sale to XY and then someone will contact you directly.
Maybe can say more about it.

Hello first of all. How does the proof of origin of funds look like? Specifically with an example:

Your example with all the banks, stock exchange, seller’s bank, buyer’s bank etc. is unfortunately not concrete.

The buyer’s bank is surprised about the high incoming payment of a total of €300,000.

... and (maybe) asks the account holder. Nothing more.

Or does the bank already ask its own bank for a POF when receiving the high amount from the stock exchange or the lending bank?

In a securities sale within the same institution no one cares. Otherwise, money does not come directly from the stock exchange, but from a third bank where you have a custodian account. Possibly – see first answer – an inquiry.
By the way, the financing bank only transfers to the seller directly. Unless you have another object as collateral (i.e. one that you already own and can put up as security).

Or does the bank already ask for a POF when transferring to the buyer’s account?

No.

What would a POF look like?
€100,000 – the financing confirmation including transfer on the bank statement from the lending bank. Does the notary’s or the seller’s bank want to see this again?
€200,000 – the sales confirmation of the securities? Does the bank also want to see this again upon payout? And the notary’s or seller’s bank as well?

The notary wants to see nothing except the money or a confirmation from the seller that the money has been received.

Hope I’ve correctly sorted out this mess of wild questions.

First of all, thank you jens.knoedel!

In the case of a securities sale within your own house, nobody cares. Otherwise, money does not come directly from the stock exchange, but from a third bank where you have a custodial account. If necessary - see first answer - inquire.

What happens with the sale of securities on another stock exchange? A bank is then connected to this stock exchange. They will possibly charge something. Then you can present the sales receipt. But don’t they require a proof of how the securities were originally purchased? Or is that only required by the stock exchange where you buy the securities?

What is it like when selling securities on another stock exchange.

What do you mean by that? Unfortunately, I don’t understand you.

A bank is then connected to this stock exchange.

What kind of bank? Where is your account?

They will possibly charge something. Then you can present the sales receipt. But don’t they require a receipt showing how the securities were originally purchased?

See previous question.

Or is that only required by the stock exchange where the securities are purchased?

You mean the stock exchange requires proof of where your money comes from that you use to buy the securities? I don’t know that you can buy directly on the stock exchange. It always goes through a broker/a bank.

First of all, thanks jens.knoedel!

What happens when selling securities on another stock exchange. A bank is connected to this stock exchange. They will probably charge something. Then you can present the sales receipt. But don’t they also require a receipt showing how the securities were originally purchased? Or does only the stock exchange where the securities are bought require that?

What exactly are you afraid of right now?

If you have securities, you usually have a custody account at a bank that keeps track of how many securities you have and when you bought or received them. This is needed for taxes and other matters alone. If you then sell the securities through the bank at a stock exchange, they don’t need any additional proof. In principle, they already have all that from past transactions. The securities don’t come out of nowhere.

However, I doubt that if you buy a house with the money, anything about these transactions will be transmitted to the seller or the seller’s bank.