Chris Rock has a novel idea for gun background checks.

"The gun lobby always says, well, people need the right to protect their property," he told TheWrap. "Every mass shooting is done by a guy who lives with his mother. I honestly believe you should have to have a mortgage to buy a gun. No one with a mortgage has ever gone on a killing spree."

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He added: "A mortgage is a real background check. ... And you know if you go to jail for 30 years you still have to pay your f---ing mortgage."

Rock has made the point before that the suspects in mass shootings tend not to own property. But he went a step further at the Television Critics Association winter press tour Wednesday, saying he seriously believes a mortgage should be a requirement for gun ownership.

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He was speaking during a panel about FX's "Totally Biased With W. Kamau Bell," which he executive produces.

Rock made a joke several years ago that gun deaths could be cut down if bullets cost $5,000. Lawmakers are starting to see his logic: Democratic Sen. Richard Blumenthal has announced that he will introduce legislation to require background checks to buy ammunition.

Here's Rock's joke about $5,000 bullets: