2. If there is something wrong with the credit, but it is not serious, you can negotiate with the staff of the bank or go to another bank for a loan. Because the grading standards of each bank are different. If the overdue is particularly serious, overdue for more than three times or overdue for more than six months, the loan will definitely be refused.
3. The general bank loan depends on the bank flow in the past six or three months. Find out if you have a fixed income. If the bank's running water does not meet the requirements, you can find an immediate family member with a fixed income and good credit information or a person who has paid five insurances and one gold for more than six months as a guarantee.
4. Finally, if you can't get a loan, you can only negotiate with the developer to pay the final payment or cancel the purchase contract, and the developer will refund the down payment.
After my mortgage application is rejected, can I apply again?
1, credit problem. If the home buyer's mortgage application is rejected because of personal credit problems, then, in this case, it is very difficult to apply for a loan again. Because every bank has similar strict requirements for credit problems.
2. Policy issues. If the buyer's mortgage application is rejected because of the current mortgage market and policies, please rest assured, because you can choose to try again after a while. At least half a year after the policy.
3. Incomplete information. If the buyer's mortgage application is rejected because of insufficient information preparation, then don't be discouraged. Because when you prepare all the materials for the second loan application, you can usually get the loan.
Matters needing attention in housing loan
1. Apply for a loan according to your ability. The more the loan amount, the longer the loan term, the higher the interest paid and the greater the repayment pressure.
2. Prepare loan information in advance. Such as copies of ID cards, household registration books, academic credentials, income certificates and bank accounts, purchase contracts and down payment invoices. If credit card repayment has a bad credit record, you must apply clearly or issue relevant certificates.
3. Provide true information. The use of false materials will have an impact on the bank's audit, and even be refused loans and compensated for liquidated damages.
4. Define the repayment method. The most mainstream repayment methods are equal principal and interest and average capital.
5. Don't prepay within one year. According to the loan regulations of banks, most banks can only apply for early repayment after one year of repayment, and may have to repay a certain amount in less than one year.
6. Repay in full and on time. Overdue repayment will affect credit history.
7. If you can't repay the loan, you can apply for an extension. If repayment is really difficult, you can apply to the bank for an extension. The bank will consider the actual situation comprehensively and decide whether to agree to the extension.
8. Remember to cancel the mortgage after paying off. If it is not lifted, the house will always be in a state of mortgage.