If the approved amount is not enough to buy a house, how to solve it?
1. What should I do if the loan amount is reduced due to credit information and other factors?
Tips: You can consult other banks, and it is possible to obtain the expected quota when applying in a bank with loose mortgage policy. If you buy a new house, you can apply for a loan from a bank that cooperates with the real estate, and you can also get a favorable expected annualized interest rate.
2. What if the income does not meet the requirements of the bank and the full loan is not available?
Tips: You can consider applying for a relay loan. If Betty Wong's income is low, but his father has not retired, and his income is high, Wang Can Jr. applies for a mortgage loan as his father. The bank will calculate the monthly repayment amount according to the sum of the income of the father and son, thus increasing the loan amount. The following is the proportional relationship between monthly income and monthly repayment amount:
Betty Wong's income+father's monthly income = monthly repayment amount X2.
3. I consulted many banks, but I couldn't reach the quota. What should I do?
Tips: In this case, you can apply for a consumer loan to pay the house price, which is mainly applicable to small loan companies. General banks, especially state-owned banks, have strict supervision over the flow of consumer loan funds, so it is difficult to pay house prices through consumer loans. The loan application conditions of small loan companies are relatively relaxed, the approval process is simplified, and it is easier to "borrow" consumer loans to pay the house payment.
All the loan channels have been tried, but it is still not enough. What should I do?
If the approved mortgage amount is not much less than expected and you don't want to apply for other loans, you can consider borrowing money from relatives and friends to make up the difference.
Tip: you must apply for a loan according to your own economic situation when buying a house. Don't affect the quality of life because of mortgage repayment. After all, it's not easy to be a house slave! If the loan is not enough, you may wish to consider the online loan company, which has low review threshold and fast lending speed.