people may encounter many unexpected situations in the process of buying a house, such as the down payment on the house has been paid, but the mortgage loan has not been made. The main reason is that individual or husband and wife's loan qualifications do not meet the loan requirements. For example, there are continuous overdue cases, and many people don't know that they are overdue. For example, many people don't pay attention to the annual fee of credit cards, or they forget to repay when using credit cards in small quantities. For example, credit cards have large debts that have not been paid off, and wages can't cover monthly payments. So what if the down payment has been paid and the loan has not been done?

1: If there is no serious overdue credit card or loans overdue, there is still hope, because it is impossible for a real estate project to cooperate with only one bank to handle loan business. Generally, the bank recommended by the staff is a bank with sufficient loan amount and faster loan. If this bank has higher requirements for the lender and stricter examination, it may refuse to lend. We're a little overdue, but we can try another bank if we don't get tired for six days in a row. There should be no big problem.

2: If the qualification is average, there is no problem in principle, but the income can't cover the running water or there is no deposit in the savings card account, etc. If other cards have money, there is money flow every month to provide another bank running water to the bank, that is, to provide multiple running water, or you have extra cash income every month in addition to your salary income, try to add these cash income to your income certificate, that is, to prove that you have other income every month besides the salary paid by the company to your personal account. If the bank needs it, you can also provide Alipay and WeChat bills to prove your repayment ability. Get the information ready and then go to the bank loan business again.

3: Generally, the staff who handle mortgage business in banks also hope that you can get a loan smoothly, but their internal approval also needs several processes. Any problem in approval will lead to loan refusal, but at this time, you can discuss with the staff who handle mortgage business for you to see what causes the loan refusal. If it can be solved, such as adding information and raising down payment, you can try it as long as it can be done. If there is a problem with general loans, it is also a better solution to increase part of the down payment, that is, to borrow less. It doesn't matter if the contract is signed, contact the property consultant who sold you the house, tell him the proportion required by the bank, and he will help you calculate the amount. When you go to the finance department of the real estate company to make up the down payment, the finance department will give you the receipt of the money you made up, and then the salesman will ask the department that signed the contract to give you several supplementary certificates to prove how much down payment you made, how much the new down payment is, and how much the loan is. This supplementary explanation has the same legal effect as the purchase contract. Finally, I will give you two copies, one for yourself and the other for the bank.

4: If you were originally a provident fund loan, but the loan failed for various reasons, you can only consider commercial loan business, and it is also possible to change the loan method through a supplementary agreement. The loan interest rate will be higher, but it is also a way to solve the loan problem.

5: If it is a credit blacklist directly, as soon as the name is entered into the banking system, it shows that the loan cannot be made, so there is no way out. We can only change the payment method, and the mortgage loan is changed to one-time or installment payment. If you can't make up so much money, the real estate company will generally advise you to change the name of the owner of the property to your immediate family, the person who can handle the loan business, and the real estate company can help you with the relevant procedures. But generally, I don't want to change my name to other people, and I will settle accounts with my brothers. This kind of thing is a big thing. It's really hard to say. If it is not insured, it will also cause trouble to others, such as the proportion and interest rate of the first house. Others will not be able to buy a house with low down payment and low interest rate. However, the real estate company will definitely not refund the down payment after signing the contract. This situation is better than the money paid by the real estate company for clearing the house and selling it separately. Well, this situation is different for each family, so consider it as appropriate.

to sum up, if the down payment loan is not made, it can generally be done by changing banks; Supplementary loan information; Increase the down payment ratio; Change the loan method to solve the loan problem. If all else fails, you can only change the purchase method or change your name. Here, I still want to remind my friends who haven't paid the deposit and down payment. If you decide to buy a house, prepare the loan information in advance and give it to the bank for review first, which will be a lot of insurance.