First, how to get to the process of the buyer's loan to sell the house?
The two parties sign a house sale contract, the seller pays the down payment, and then chooses a loan bank to evaluate the house value; Fill in the loan application form completely and submit it to the loan bank together with the required materials, and the bank will review the authenticity of the materials; When both parties handle the house transaction formalities and sign a loan contract with the bank, the bank will deposit the funds into the bank account designated by the buyer.
Second, what if the loan is not approved?
1. When the loan is not approved, you must first understand the reasons why the loan is not approved. Many people fail to pass the loan because the submitted materials are incomplete and the bank cannot determine the applicant's credit qualification. In this case, everyone should know clearly from the bank what materials they need to submit and fill in the materials before applying.
2. The failure of loan approval may be due to the applicant's poor credit record, because the bank will review the applicant's credit record after receiving the applicant's loan application. If the applicant has a bad credit record, the bank will generally refuse the applicant's loan application. In this case, a real person can only apply for a loan again after five years.
3. Some banks only provide loan services for a specific user group, and people who do not belong to this user group are generally brushed off when applying for loans. Therefore, before you apply for a loan, you must know the loan conditions of various lending institutions and see which lending institution's loan conditions match your actual situation.
Summary: The relevant content of how to go about the process of selling a house with a buyer's loan is introduced here for everyone, hoping to help friends in need. Every bank has a special audit department, so before you apply for a loan, you must understand the loan audit standards of each bank.