If the loan is approved, it means that the loan application is rejected.
At this time, users can change banks and resubmit loan applications.
However, if the loan application is approved but the loan is not granted, the user had better consult the reason why the bank does not grant the loan. If the loan is postponed due to the shortage of funds, the user does not need to resubmit the loan application and wait patiently for the bank to lend money.
Can I change to another bank if the bank loan fails?
It should be possible to change it, but if it fails at first, it is estimated that another bank will fail later.
China bank mortgage has not come down for three months. The developer said he would change banks. What should I do?
To apply for a personal commercial loan in China Bank, you can log in to China Bank Mobile Banking (operation path: "Application Progress Inquiry" in Loans-Other Services), Personal Online Banking (operation path: Loan Management-Loan Inquiry and Settings-Application Progress Inquiry) and the official WeChat account of Bank of China Weizhong Bank (operation path: "Application Progress Inquiry" in Microfinance-Function Hall-My Loan) to inquire about the loan in my name.
After you apply for a loan at the Bank of China, you need to approve the loan, and you can only lend money after all the preconditions (such as mortgage registration) are completed. Therefore, it is recommended that you check the loan approval status through the loan handling bank.
The above contents are for your reference. Please refer to the actual business regulations.
Can I change to another bank if I can't get a house loan?
You can choose another bank to apply for a loan, and there is no restriction on the choice of bank.
Materials for applying for individual housing loans
1. Copy of identity documents (resident identity card, household registration book, military officer's card, passports of overseas and foreign natural persons with the right of abode in Chinese mainland, family visit cards, home visit cards and other residence documents).
2. Proof of the borrower's repayment ability recognized by the loan bank.
3, legal and effective purchase (construction, overhaul) housing contracts, agreements and related approval documents.
4, the borrower to apply for the purchase (construction, overhaul) of housing self-financing related certificates.
5. House sales (pre-sale) license or real estate license (existing house) (copy)
Extended data:
I. Conditions for applying for individual housing loans
1, with legal status.
2, a stable income, good credit, the ability to repay the principal and interest of the loan.
3. There are legal and effective contracts, agreements and other documents required by the loan bank for the purchase, construction and overhaul of housing.
4. Self-raised funds of more than 30% of the total house price (20% for self-occupied houses with a building area of less than 90 square meters), and guaranteed to be used to pay the down payment of the purchased houses.
5. Having assets mortgaged or pledged by the lending bank, or (and) having legal persons, other economic organizations or natural persons with sufficient compensation capacity as guarantors.
Second, the process of applying for housing loans
1. Collect the relevant information of buyers and sellers required by the loan bank.
2. Assist the lender (buyer) to sign the bank loan text and submit it to the bank for preliminary examination.
3. Assist the buyer and seller to handle the transaction transfer.
4. After receiving the new title certificate, the buyer shall hand over the original title certificate, the original sales contract, the original deed tax and the original old land certificate to the guarantee company.
5. After the buyer's new title certificate is issued, the guarantee company will send the loan text and the buyer's real estate information to the loan bank and provident fund center for approval.
6. After the bank has passed the examination, it will issue loans to customers with the letter of guarantee issued by the house purchase guarantee company.
7. After the loan is transferred to the account of the real estate guarantee company, the buyer and the seller are notified to be present and sign, and the seller receives the house payment.
8. The real estate guarantee company handles the formalities of land certificate and house mortgage on behalf of the buyer. Give the real estate license and land certificate to the buyer and the house ownership certificate to the bank.