2. Change the loan bank. Don't bother to go through the loan formalities. If the property buyers do not meet the requirements of the previous loan bank, they can try to change to another bank. Different banks have different loan policies. Just because you can't apply for a loan in this bank doesn't mean you can't apply for a loan in other banks. Each bank has a different degree of strictness in approving loans. Maybe banks with loose lending policies can get loans smoothly. Therefore, when you are refused a loan by the bank or the loan amount is insufficient, buyers can try to change the bank loan.
3. Find a guarantee company. This situation is more serious. There are some minor problems in the personal credit information of ordinary buyers, which will not have much impact on the loan. If the qualifications of property buyers are really not very good, but they especially want to buy this house, then you can consider looking for a guarantee company to provide loan guarantee for yourself. However, the loan from the guarantee company will generate extra expenses, which is higher than the bank loan, so you should be prepared psychologically.
What is the reason why the loan can't be done?
1, the buyer's own problems
Most of the reasons why the loan cannot be handled are related to the buyers themselves. To buy a house with a loan, you need to check the borrower's credit information. Some property buyers have handled other loans or used credit cards before, leaving a bad record in the process of using them, which leads to problems in their credit information and will affect the handling of housing loans. In addition, the stability of buyers' work will also affect housing loans. Some banks will also look at the borrower's social security payment. If the borrower's payment is unstable, it means that his job is unstable, and the bank will worry about his repayment ability, so the borrower may be rejected.
2. Housing property rights.
You can't apply for a bank loan if you have a house, such as a small property right house. There is no title certificate for small property houses only in the sales contract. You must have a reliable title certificate to apply for a bank loan. Therefore, small property houses were directly refused by banks. In addition, it should be noted that some older second-hand houses may be refused loans by banks considering the remaining property rights.
3. Reasons of the developer
The failure of the loan may also be the cause of the developer. Usually when we buy a new house, the developer will help us with the loan procedures, and some developers will directly help the buyers. However, due to the large number of people buying houses, it is inevitable that there will be a shortage of materials, or because developers are not qualified to sell houses, both of which will affect the loan processing. If you can't apply for a loan because of the developer, the responsibility lies with the developer, and you can ask the developer to cancel the contract and ask for a refund of the down payment.