If the buyer does not receive a reply from the bank after handling the loan, the buyer can first confirm with the bank the reason why the loan cannot be approved. If it's my credit or tap water, please ask me if I can replenish tap water again. Some banks may also propose to buy some wealth management products to increase credit. It is also suggested to improve credit through other assets or deposit certificates.

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1. The full name of the personal housing entrusted loan is the personal housing guarantee entrusted loan, which refers to the personal housing loan entrusted by the housing fund management center to commercial banks by using the housing provident fund. Housing provident fund loan is a kind of policy personal housing loan, on the one hand, its interest rate is low; On the other hand, it mainly provides such loans to low-and middle-income workers who pay the provident fund. However, because the interest difference between housing provident fund loans and commercial loans exceeds 1%, both investors and ordinary people who buy houses and live in their own homes are more inclined to choose housing provident fund loans to buy houses.

2. Personal housing self-operated loans are loans issued to individual buyers with bank credit funds as the source. Also known as commercial personal housing loans, the loan names of banks are different. China Construction Bank is called individual housing loan, and Industrial and Commercial Bank and Agricultural Bank are called individual housing guarantee loan.

3. Personal housing portfolio loan refers to the loan issued by housing provident fund deposits and credit funds to the same borrower for the purchase of self-occupied ordinary housing, which is a combination of personal housing entrusted loans and self-operated loans. In addition, there are housing savings loans and mortgage loans.

4. The so-called equal repayment of principal and interest means to repay the principal and interest of the loan with the same amount every month during the loan period until the loan is settled. That is, the sum of the interest and principal repaid by the borrower every month is equal, and the ratio of interest and principal to the planned monthly repayment amount changes every time. At first, because of the large amount of principal, interest accounts for a large proportion, and the principal payable in the current period = planned monthly repayment amount-interest payable in the current period. With the increase of repayment times, the proportion of principal gradually increases.