1. If the loan has been approved by the bank, the buyer and the seller can only wait patiently for the loan;
2. If the loan is not approved, the buyer and the seller can negotiate how to pay the final payment. If the buyer really can't pay the final payment, he can only terminate the contract according to the relevant terms of the contract.
In this case, whether the buyer breaches the contract depends on the relevant terms of the second-hand house sales contract. Generally speaking, if the bank loan is not due to the buyer's bad credit, the buyer may not be liable for breach of contract.
Extended data
Second-hand housing loans are determined according to the borrower's personality, occupation, education level, repayment ability, liquidity of purchased housing (including mortgaged housing) and other factors. Specifically, there are several points:
(1) Male's actual age plus loan period is less than 65 years old, female's actual age plus loan period is less than 60 years old, China nationality, unlimited household registration, no criminal or non-performing loan record, and stable income;
(2)/kloc-permanent residence of urban residents aged 0/8 with full capacity for civil conduct or legal and valid identity documents;
(3) If there is a second-hand house sales contract, pay a down payment;
(4) have a stable occupation and legal income, good credit, and the ability to repay the principal and interest on schedule;
(5) When applying for a loan, the purchaser has its own funds not less than 20% of the purchase price;
(6) When the borrower agrees to use the purchased house and its rights and interests as collateral, or the borrower fails to provide the mortgaged (pledged) things in full, a unit or individual recognized by the lender and meeting the specified conditions and having sufficient compensatory capacity will serve as the guarantor to repay the principal and interest of the loan and bear joint liability;
(7) The purchased second-hand houses have clear property rights and meet the requirements for Shanghai to enter the real estate market;
(8) The purchased house is not within the scope of the demolition announcement;
(9) The price of the purchased house basically conforms to the appraisal price of the lender or its designated real estate appraisal agency;
(10) Other conditions required by the lending bank;
reference data
Baidu encyclopedia-second-hand housing loan
What should I do if the second-hand housing loan is approved by the bank and has not been loaned?
After you apply for a loan in China Bank, you need to approve the loan and complete the preconditions (such as mortgage registration) before you can lend money. Therefore, it is suggested that you directly contact the account manager who handles the loan to confirm the specific reasons for not lending, so as to deal with it as soon as possible.
The above contents are for your reference. Please refer to the actual business regulations.
If you have any questions, please contact online customer service of Bank of China.
You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GO APP to handle related business.
The house has been sold, but I can't get a loan from the bank. What should I do?
Although people's lives are getting better and better now, the quality of life is getting higher and higher, but most people will choose loans when buying a house, not so many people can buy it at once. But when the house is sold, everyone will encounter some problems, leaving many people at a loss. For example, the house has been sold, but in fact the bank loan has not been obtained. What should we do at this time?
First of all, the inspection procedures
Sometimes, because of the existence of network or banking factors, your procedures are not completely successful. At this time, you can check whether your procedures are completed on your mobile phone. If it is not completed, you should go to the bank in time to explain the relevant situation and ask the bank staff to help you complete it. Don't panic when you encounter such a thing, just calm down and do what you should do. Moreover, it is not particularly urgent for the sale of second-hand houses, and the corresponding personnel will also abide by relevant commitments.
Second, actively communicate with bank personnel.
If you find that your loan has been delayed, you can actively communicate with the bank staff about the detailed progress. If you find that the progress is too slow, you can also explain your situation to the bank staff and then request to speed up the progress. Don't panic when things happen. Many people basically do business in banks, so it is normal to be slow. Because bankers have to complete a lot of business every day, they may just forget what they are dealing with or be delayed by other things.
Third, complain to the bank management.
Many times, it is because of the bank's mistakes that it loses money. At this time, you can complain to the management of the bank and explain the different ways employees handle it. At this time, the bank management will come forward to help everyone solve the problem and apologize on their own initiative. It can also make managers improve their mistakes and carry out ideological education.
The second-hand housing loan has been approved and has been transferred for three months. I don't borrow it now. How to solve it?
I have worked as a personal credit account manager in a state-owned bank for more than six years, and I have a good say in this issue.
It has been three months since the account was closed, and the loan has not been issued. According to the normal process, it must be abnormal: the delay is too long. Although the current shortage of places is a general trend, under normal circumstances, places will always be continuously given. As for the specific business, it depends on how the order of bank lending is defined.
Faced with this situation, it is recommended to follow the following process:
Call the account manager of the handling bank directly to inquire about the current progress of the loan business. After the transfer, there are mainly several links left, such as handling mortgage, obtaining mortgage certificate, telephone verification and waiting for loan.
1. If the current business process is that the mortgage has not been handled, then ask why the mortgage has not been handled. If it is a bank problem, you can ask to deal with it as soon as possible, and if necessary, you can urge it on the grounds of complaints; If it is a buyer's problem, the seller can urge it on the grounds of investigating the liability for breach of contract.
2. The mortgage formalities have been completed but the mortgage certificate has not been obtained. In this case, it is suggested to contact the bank as soon as possible and ask why the mortgage certificate has not been obtained. If it is a bank problem, hurry up; If the real estate registration center does not issue a certificate, go there to ask the reason and urge the buyer to solve it as soon as possible.
Third, the telephone verification failed: then the problem must be that the buyer did not pay attention or deliberately did it.
4. Pending loan: it means that the bank's quota is insufficient and the loan is slow. In this case, it can be solved in two ways:
1, syntax. If you have contacts, you will usually find friends (mainly leaders) of the corresponding bank to urge you to give priority to lending.
2. Martial law. In other words, it is more polite to complain to the customer service phone of the corresponding bank; Not very friendly, just call the local mayor's hotline; The most useful but disgusting thing is to call the local China Banking and Insurance Regulatory Commission.
The above description basically covers all the reasons for the slow lending. If you have any questions, please contact us in the comments section.