The reason why the bank refused the loan: 1. Policy reasons: The so-called policy risk may be due to the introduction of new policies and regulations by the financial management department, which made the lender unable to meet the application conditions and was eventually rejected by the bank. 2. Personal reasons: The main reasons may be that the borrower has a serious bad credit record, his repayment ability cannot meet the loan conditions, and he provides false application materials through fraudulent means. For individuals with two sets of housing loans, it is also necessary to check whether they still have outstanding loans. 3. Reasons of the developer: Generally speaking, if the developer does not have the development conditions, the developer's development procedures are incomplete, the developer has serious credit problems, or the developer has a major lawsuit that affects his solvency, the bank will refuse to apply for a loan because the developer has no guarantee ability at this time. When you are short of funds, especially when you need a loan to buy a house, you need a bank loan. Bank loans need to go through strict examination and approval procedures, and only banks that meet the conditions for loan issuance will approve loans. Article 36 Assessment of Non-performing Loans: Non-performing loans, sluggish loans and overdue loans of lenders shall not exceed the proportion stipulated by the People's Bank of China. The lender shall issue and assess the relevant indicators of non-performing loans, sluggish loans and overdue loans to its branches.