When the mortgage is signed face to face, the bank will generally sign a mortgage contract or letter of intent with the lender, which is legally binding. If the lender cancels the mortgage application while waiting for the loan deadline, it may be sued by the bank.
Of course, if the bank does not produce the approval result, it means that the lender's mortgage application is under approval, and the lender has the right to cancel the application and change to another bank. However, such an operation will be recorded in the lender's personal credit report, which may have a certain impact on the next mortgage application. Therefore, I suggest that you should be cautious when choosing a bank to apply for a loan, and choose a suitable bank to handle it.
In addition, we need to remind everyone that when applying for a mortgage, buyers can only choose according to the cooperative banks provided by the developers. If buyers are afraid of not applying for a suitable bank, they can consult the developer according to their own situation.
Matters needing attention in housing loan
1. I need to sign the housing loan procedures. If I am married, I need both husband and wife to sign at the same time. If you can't be present, you need to go to the notary office to entrust the card, and the original notarized power of attorney needs two copies. So please be sure to arrange your own time to be present, or go to the notary office for notarization in advance.
2. Housing loan requires proof of income. The proof of income requires that your monthly income is more than twice your monthly repayment. This month's contribution includes all outstanding loans from your previous bank, so please note that your monthly income should be more than twice that of all outstanding loans you repay every month.
If the personal income certificate is above 1 10,000 yuan, you need to provide some additional assets certificates, including bonds, bank deposits, vehicle purchase certificates, personal income tax certificates, and so on. So please prepare all the information in advance according to your own situation.
3. If the applicant applying for housing loan is a private owner and cannot produce proof of income, the materials to be provided are: business license, tax registration certificate, tax payment certificate for the last three months or bank deposit receipt for the last six months.
4. Before you apply for a house loan, if you have other loans overdue, please pay off the overdue debt first, and ask the original loan bank to issue a debt settlement certificate and affix a fresh bank seal, otherwise the loan bank will doubt your credit record and will not accept it. Therefore, personal credit record is very important, so please be careful not to overdue repayment.