The rejection of mortgage approval is as follows: if the mortgage approval is rejected due to the reasons of the buyer and the seller, the contract can be terminated and the other party can be paid a penalty of not more than 20% of the total house price and 30% of the actual loss; If the mortgage approval is rejected due to reasons not attributable to both parties, the buyer shall serve a notice of rejection and the seller shall refund the deposit, house price and interest.
legal ground
Article 19 of the Interpretation on Several Issues Concerning the Application of Law in the Trial of Disputes over Commercial Housing Sales Contracts
As stipulated in the commercial housing sales contract, the buyer pays by secured loan. If one party fails to perform the commercial housing sales contract, the other party may request to cancel the contract and compensate for the losses. If the commercial housing secured loan contract cannot be concluded due to reasons not attributable to both parties, and the commercial housing sales contract cannot be continued, the parties may request to terminate the contract, and the seller shall return the principal of the purchase price and its interest or deposit to the buyer.
How do pure white households apply for loans? You can try these methods!
; ? White households with credit reports mean little or no financial business records, so when applying for mortgage or credit card, banks can't know your integrity, and some banks with strict risk control will easily refuse you. So how do pure white families apply for loans? Let's talk about these contents briefly.
1, banking business
Although the credit report is an important audit voucher, it is not the only one. Pure white households can provide other application materials to prove themselves. For example, when banks handle time deposit business, wealth management business, or salary payment, when applying for loans, you should first choose these banks that have close business contacts with you, which will greatly improve the pass rate of loan approval.
2. Proof of financial resources
Nowadays, many families have bought houses and cars for their children early, and they can also provide property certificates in their own names, including houses, cars and deposit certificates. Tell the bank that you are a person with repayment ability. If you don't repay, you won't borrow money, otherwise you won't have money to repay.
3. Change ideas
There are many kinds of bank loans, and the most stringent requirement for personal credit is personal credit loans. Relatively speaking, mortgage loans and secured loans have much lower requirements for personal credit reporting. You might as well try these loan methods.
4. Find other products with low threshold.
If even the applications of local commercial banks or joint-stock banks are rejected, then everyone may wish to apply for loans from private formal financial institutions. General private financial institutions have much lower credit requirements for applicants than banks. As long as it is confirmed that the borrower has the repayment ability, basically all loans can be released smoothly.
What should I do if the loan credit fails?
If you can't get a loan, how can you get a loan with bad credit?
1. handled by a third-party guarantee institution:
Third-party guarantee companies have long been familiar with the bank's loan process and requirements, so more and more people will choose to apply for bank loans through third-party guarantee companies. If the credit information is not good enough, find a third-party guarantee company, let it specify a suitable loan scheme for you and provide guarantee services, and it will come forward to assist in handling it. Usually the loan pass rate will be much higher.
2. Choose a bank with low credit requirements:
Many people wonder, how can the bank requirements be low? But in fact, banks also have classifications. State-owned commercial banks, joint-stock commercial banks and local commercial banks. Different banks have different requirements. State-owned commercial banks don't even have to think about it in the case of bad credit reporting. Joint-stock commercial banks depend on which bank is more "accommodating", such as Ping An Bank. If the credit information is good, you can also get a loan. To put it bluntly, local commercial banks are actually "small loan companies under the guise of banks". The requirements are generally lower than other banks, but it should be noted that the interest rate will be higher.
3. Apply for mortgage loan:
Credit difficulties can also be solved by replacing loan products. General credit loans have high requirements for credit reporting. In this case, we can choose another way of mortgage loan. Because the mortgage loan is secured by collateral, the borrower's personal qualification can actually be relaxed appropriately. However, it is very important to choose collateral, generally choose collateral with high value and strong liquidity, such as real estate.