1. Change the loan method. If the loan is rejected because the debt ratio is too high or the income is too low, the applicant can change the loan method and replace the credit loan with mortgage loan and secured loan. If the applicant provides collateral or guarantor certificate, banks and lending institutions will feel that there is less possibility that the loan will not be recovered and the possibility of passing it will be higher.

2. Complete the application materials. If the loan is rejected only because the application materials are incomplete, then the problem is easy to solve. Just fill in the information, don't cheat, and apply for a loan again will naturally pass. In addition, if the loan is refused because of a bad credit record, then the first thing the applicant should do is to repair the credit record.

What are the precautions for applying for a loan to buy a house?

Note 1: Don't use it before applying for a loan.

If the borrower withdraws the balance of the provident fund to pay the house payment before the loan, the deposit period of the provident fund in your provident fund account will change. If the relevant provisions on the deposit period are not met, you will not be able to apply for a contribution loan.

note 2: don't prepay the loan within the first year

according to the relevant regulations of, part of prepayment should be made after one year of repayment, and the amount returned should exceed the repayment amount of six months.

Note 3: Don't forget to look for the bank around you if you have difficulties in repaying the loan.

When your solvency declines during the loan period and you have difficulties in repaying the loan, don't go it alone. A customer of a bank can apply to the bank for extending the loan term. If the investigation by the bank proves that the loan principal and interest should not be repaid in arrears, the bank will accept your application for extending the loan term. However, the change of loan term can only be handled once according to the regulations.

Note 4: Don't forget the obligation to inform when renting the house after the loan

When you rent the house already during the loan period, you must inform the lessee of the mortgaged fact in writing.

note 5: don't forget to cancel the mortgage after the loan is paid off

after you have paid off all the loan principal and interest, you can go to the real estate trading center in the district or county where the property is located with the bank's loan settlement certificate and the certificate of other rights of the mortgaged property.

Note 6: Don't lose and borrow money

Apply for a mortgage loan. The loan contract and borrow money signed by the bank with you are important legal documents. As the loan term can be as long as 3 years, as a borrower, you should take good care of your contract and iou, and read the terms of the contract carefully to understand your rights and obligations.