First, if you want a loan, you must pass the examination of the bank. If you have enough confidence to pass before, you will find that your qualifications are not enough after the down payment. If the previous credit card is overdue or has other bad consumption records, it is likely to be targeted by the bank. If you really encounter this situation, you can't blame anyone, and all the responsibilities are borne by the buyers themselves. No one can guarantee that his loan will be approved, so it is best to write in black and white in the contract when paying the down payment. In case the loan is not approved, the buyer does not need to admit any responsibility, and the developer needs to unconditionally return the down payment already paid.
Second, the process of handling loans If you buy a pre-sale house, you must first apply for a loan from the bank, and then the bank will check the applicant's credit history. If there is no problem, reply within three working days. Secondly, property buyers need to bring a series of related policies and sign corresponding loan contracts at the bank. Then the bank will collect information to register, and finally the bank will lend. If you use the provident fund when buying a house, the processing time may be longer, because you need to go to a special department to handle it. If you use a commercial loan, it will be completed in about half a month, and the mortgage will be repaid normally when the bank lends money.
Third, there are several reasons for refusing loans, but there are always some people who are refused loans for some special reasons. First of all, people with credit problems, such people will definitely not get loans. Because the credit card has expired before and lost the trust of the bank, it will be judged as a low-quality customer, and it is possible that it will not be repaid later. Therefore, in order to avoid risks, banks will directly reject such people's applications. Second, the debt is too high. If the monthly payment exceeds 70% of the monthly income, it is likely to be rejected, because banks will feel that such customers have no repayment ability and can only make a difference by increasing their income or reducing their expenses.
Fourth, the loan also needs age. Only those who are above 18 and below 60 can borrow money. Outside this range, there is almost no repayment ability, and banks will not take risks. In fact, most people will still be approved to apply for loans, as long as they know the bank's requirements and related policies in advance. If your previous credit information is no problem and meets the requirements, the loan will generally come down. Fifth, use the provident fund. If property buyers do not use the provident fund when buying a house with a loan, then they can consider withdrawing the provident fund to subsidize the down payment. Many units will pay provident fund to their employees. If the property buyers happen to pay the provident fund, they must make good use of it. Property buyers can withdraw the balance from the provident fund account. Now many cities support the withdrawal of provident fund to pay down payment, which can solve the urgent need.
Ask parents for help. If young people buy a house, the pressure is really great. After all, their savings won't be too much. At this time, they can also consider asking their parents for help. If parents have good economic conditions and just have idle funds, buyers can also ask their parents for help. But we should remember that the financial support given by our parents is only a kind of help, and it is not taken for granted. We should give it back to our parents when the funds are abundant and thank them.
Seventh, choose a new house. If the house chosen by the buyers really exceeds their actual ability to pay, it is not recommended for the buyers to buy by force, because even if they borrow money to make up the down payment, they will have to pay back the money in the future, and the monthly pressure is really too great. In this case, you can only consider buying a smaller house or a place with a slightly higher position. There is no need to put the whole family under pressure for a suite.
Eight, mortgage the old house. If the family background of buyers is relatively strong and there are other properties besides the house to be purchased, it is a very common way to consider mortgaging the old house and then paying the down payment. Moreover, this way can get a large amount of loans, but the buyers need to bear two loans at the same time, which is very stressful, and the loan interest rate obtained by mortgage is higher, and the loan life will be shortened.