If the mortgage can't be done, you must first confirm whether there is any problem with your credit information and submitted materials. If the personal bad credit record is not intentionally caused, we can negotiate with the bank that has overdue whether it can issue a non-malicious overdue certificate, but it may not work in a bank with strict policy requirements. At this time, the key depends on the requirements of overdue banks and banks preparing to apply for mortgages. Before applying for a loan, you can consult the loan officer of the loan bank in detail, because the other party is your docking person, so you know your situation better and solve the problem more pertinently.

2, the developer's reasons

When buying a new house, because there are many people buying a house, it is inevitable that there will be a shortage of materials, or developers will sell houses without pre-sale permission. In both cases, the loan caused by the developer can't be done. The purchaser can ask the developer to cancel the contract, and ask for the refund of the down payment and deposit, and bear the corresponding liquidated damages.

Buying a second-hand house loan is no good. Common problems are unclear property rights of second-hand houses, and the houses are too old to meet the requirements of "five independence". To put it bluntly, the second-hand house owner intentionally or unintentionally concealed the real situation of the house, so the verification work before buying a house is particularly important. In addition to looking at the information of the property right certificate, you can also know the owner's situation through the real estate registration department and other neighbors in the community, and at the same time clarify the liability for breach of contract when signing the contract, so that you can be justified when defending your rights.

3. Banking policy reasons

There is another situation, that is, materials and houses are fine. After waiting for several months, the mortgage just won't come down. Ask the loan officer only that it has been approved, but the loan needs to be queued. Due to the tightening of policies, the loan time has generally become longer, and it is unbearable to wait for three or four months. Pay attention to psychological preparation at this time. When signing a loan contract, it is necessary to specify the loan time. If the loan officer has informed us in advance that the loan is slow, if the loan term has been written into the contract, and the bank fails to lend on time within the specified time, it is a bank default, and the buyer can claim that the bank should bear the liability for breach of contract.