2. change banks. Different banks have different regulations and audits on loan conditions. Therefore, if the property buyers apply for the first bank, but have not given back, they may wish to change to another bank.
3. Find a guarantee company. Of course, there are indeed some buyers with poor qualifications, but they especially want to buy this house. At this time, they can ask the guarantee company for a loan. It should be noted that the costs involved will be higher than the direct costs. 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.
4, negotiation, if you have tried the above three tricks, the mortgage is still not coming, then you can only talk to the developer about checking out. What needs to be clear is that you can return a house if you can't handle it, but you should investigate the different responsibilities of the buyer and the seller according to the reasons.
Under what circumstances can you not approve the mortgage?
1, which does not meet the mortgage conditions.
According to the regulations of the bank, customers applying for mortgage loans must have stable jobs and the ability to repay the principal and interest of loans in full and on time; Have a good credit record; Have a certain percentage of down payment; Can provide the purchase contract/agreement; Agree to mortgage the purchased property; Must be at least eighteen years old and have full capacity for civil conduct; If the purchaser's household registration is not in the place where the house is to be purchased, it is necessary to provide proof of paying social security for a certain period of time in the local area. If one of the borrowers does not meet the requirements, they may be refused a loan.
2. Personal debt is too high.
In order to get a smooth loan, the lender's monthly payment should not exceed 50% of the family's monthly income. If it exceeds, even if the loan can be obtained, the loan amount is not high. Because the debt is too high, the bank will think that your repayment ability is weak.
3. Personal credit qualification is poor.
Among the borrowers who meet the loan conditions, those who are "refused" by the bank are all people with poor personal credit qualifications. With the improvement of the central bank's personal credit database, any bank in the country can check the personal information of borrowers at any time, whether there are mortgage loans, car loans, consumer loans, repayment records and so on. , even the borrower's work unit, contact information, identity documents, etc. It's all clear at a glance. According to the borrower's information in the credit database, the bank determines whether it is qualified to apply for a loan.
4. There are outstanding guarantees and guaranteed loans.
Some people are guarantors of relatives and friends, and this behavior will also be recorded in personal credit information. If the other party's loan is not settled, or the loan is not repaid, it will also affect your loan to buy a house.
5. The loan materials are incomplete or untrue.
If false information is submitted, it is likely to be blacklisted by the bank. This is absolutely not desirable. The hard condition for the success of the loan is that the information provided by the borrower must be complete.
6. The age of the lender does not meet the requirements.
In addition to restricting the loan eligibility of minors, older and over-aged people are also not allowed to lend. The sum of the age of the bank mortgage lender and the loan period cannot be greater than 60 years old. There is no such requirement for commercial loans.
7. The purchased house does not meet the loan conditions.
According to the relevant regulations, affordable housing, small property houses and other houses without real estate license and state-owned land certificate for less than five years cannot apply for loans. In addition, houses that are too old can't apply for mortgage loans. Therefore, when buying a house, the borrower must know whether the house he bought meets the loan requirements of the bank to avoid trouble.