After the contract is signed, the bank will start issuing loans in the middle of this month.
If the loan is delayed, the solution:
First, communicate with the credit manager of the bank, explain the situation, and ask him to communicate with his peers to help apply for the loan amount. No matter how tight the quota is, there will be a reserve, which will be left to the borrower, and the communication process must be polite.
If the above methods cannot be solved, it is recommended to apply for a loan from another bank. However, loans from existing banks will not be cancelled.
If the buyer signs a loan and mortgage loan with the bank, but the bank fails to issue the loan on time, then the buyer can ask the bank to bear the liability for breach of contract according to the loan after assuming the liability for breach of contract.
According to the provisions of Article 23 of the Provisions of the Supreme People's Court on Several Issues Concerning the Application of Laws in Handling Commercial Housing Disputes:
If the buyer agrees to pay the secured loan, the party who has not entered the secured loan of commercial housing and the other party who has not continued the commercial housing transaction may request cancellation and compensate for the losses.
Extended data:
Bank loan process:
First, prepare the borrower's ID card and household registration book.
Second, prepare a marriage certificate. If unmarried, provide proof of unmarried; Provide marriage certificate or divorce certificate when getting married. If you are married and not divorced, you need to prepare your spouse's ID card, marriage certificate and household registration book.
The third is the income of the borrower.
Four, the guarantor's identity certificate, household registration book, marriage certificate (unmarried) and the borrower's property certificate.
What should I do if the loan from China Bank has been approved but postponed?
The reasons why China Bank refused to lend for a long time after applying for a loan;
After applying for a loan from China Bank, you need to approve the loan and complete the preconditions (such as mortgage registration) before issuing the loan. 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 second-hand housing loan has been approved by the bank for a long time, but what if it is delayed?
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 fails to pass the examination and approval, 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 provisions of the second-hand housing sales contract. Generally speaking, if the bank loan is not caused by 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 and the liquidity of the purchased housing (including mortgaged housing). 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 or legal and valid identity certificate of urban residents aged 0/8 with full capacity for civil conduct;
(3) If there is a second-hand house sales contract, pay the down payment;
(four) 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 that meets the specified conditions and has 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 house has clear property rights and meets the conditions 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