Now many people can only rely on bank loans to buy a house. You still need to pay a down payment to buy a house, and then apply for a bank loan for the rest. But many friends will also worry about whether the mortgage they applied for can be done. What if the down payment is paid and the loan can't be done?

1. What should I do if the loan down payment cannot be done?

1. Ask the loan bank for details.

Property buyers must first find out why the loan can't be done. If the problem lies in the buyer's own credit, running water and liabilities, it is suggested to increase the down payment and reduce the loan application amount, and then apply for a loan from the bank after the information is fully prepared.

Step 2 change banks

Before applying for a loan, buyers can learn more about the specific requirements of several banks to apply for a mortgage. If the first loan bank doesn't reply, you might as well change banks. Different banks have different regulations and audits on loan conditions, and the same conditions may have been passed in other banks.

Step 3 find a guarantee company

If you can't get a loan because the qualifications of the buyers are not very good, but you especially want to buy this house, you can find a loan from the guarantee company. It should be noted that the cost involved will be higher than that of direct bank loans. Because the guarantee company not only needs the borrower to pay the handling fee, but also needs to pay the guarantee fee, interest fee and other expenses.

Step 4 refund the down payment

Everyone is concerned about whether the loan can be made and whether the down payment can be refunded. If the buyer wants to refund the down payment directly, he can only negotiate with the owner, mainly because he wants to terminate the contract, so as not to breach the contract and assume responsibility and compensation for each other. If the last family doesn't want to, just agree to compensation slightly, depending on how you negotiate.