1, remedial measures; The first solution: rescue loan. First of all, you can communicate with the sales staff of the bank to find out why the loan can't be issued. If it is personal credit, running water, debt and other problems, it is suggested to increase the down payment amount and reduce the application amount, and then find a bank loan after doing the relevant information. The second solution: change a bank. Because different banks have different audit and supervision of loan terms, if the buyers do not reply after the first application, they can transfer to other banks. The third solution: find an insurance company. Of course, there are also some buyers who are unable but want this building very much, and they can apply for a loan from the bank. Please note that the cost involved is higher than the direct loan from the bank. Because the guarantee company not only has to pay the handling fee to the borrower, but also pays the guarantee fee, interest fee and other expenses.
2. Check-out negotiation; If you have tried the above three methods, but still can't repay the loan, then you must talk to the developer about checking out. One thing is clear, if you can't apply for a mortgage loan, you can return a house, but you should investigate the different responsibilities of the buyer and the seller according to the reasons. Case 1: Unable to apply for mortgage loan due to the developer. If the developer fails to obtain a pre-sale permit or sells an existing house that does not meet the use conditions, and the bank cannot issue loans, then the buyers can ask the developer for a deposit and ask him to bear the corresponding interest. Case 2: The buyer's information is incomplete or the credit history is bad. If the buyer has a problem, which leads to the bank's disapproval, the house can be returned, but it also bears the responsibility for breach of contract. Under normal circumstances, the liquidated damages of the house are written in the contract, so don't worry about the developer meeting. The third situation: because of changes in policies or bank regulations, loans cannot be obtained.
If due to policy reasons, buyers can't successfully apply for a loan, they can negotiate with the developer and ask them to unconditionally refund and recover the down payment. If developers are unwilling to cooperate, then property buyers can bring a lawsuit to the court to prove that they are not responsible.
Matters needing attention in down payment of mortgage after loan repayment.
Insiders reminded that when buying a house, if you want to choose a mortgage loan, you must make an accurate judgment on your purchasing power. In particular, the express, implied and verbal promises of others are not credible. If you are in doubt about whether you can handle the mortgage loan smoothly, you can negotiate this point when signing the agreement to avoid risks. Better still, it can be clearly stipulated in the supplementary agreement. For example, if it is agreed that repayment cannot be made, you can choose to repay by installments or by installments. If the developer does not agree, then buyers should fully consider whether they have the ability to take risks.
If the bank doesn't agree to your loan, it means that your economic conditions are not good enough. You can contact the bank for help or go to other banks or guarantee companies.