Reasons for the failure of mortgage approval
1. There is a record of overdue repayment.
The borrower's personal credit report is an important reference when handling loans. If the report shows that the borrower has a recent record of overdue repayment, then the loan is likely to be rejected. If the number of overdue loans is small and the amount is small, there is still hope to get the loan, but it will reduce the loan ratio and increase the loan interest rate.
2. Incomplete loan information
One of the conditions for a successful loan is that the information provided by the borrower must be complete, because if the information provided by the borrower is incomplete, the bank will also refuse the loan.
3. The loan information is untrue
Some property buyers are worried that the loan amount is not high because of their low income, so they think of submitting false information. However, if the bank finds out, it will definitely refuse the loan and may be included in the "blacklist".
4. Weak repayment ability
The success of the loan is closely related to the borrower's repayment ability. If the borrower's repayment ability is insufficient, then the bank needs to take higher risks and the probability of mortgage rejection will increase.
5. Too much debt
The lender's monthly payment should not exceed 50% of the family's monthly income. If this limit is exceeded, the loan may be rejected. Even if you can get a loan, the loan amount is not high.
Matters needing attention in paying down payment for buying a house
1, verifying the developer's five certificates
To verify the developer's land certificate, construction land planning permit, construction project planning permit, construction permit and sales permit, the most important thing is to look at the state-owned land use permit and commercial housing pre-sale permit. These two certificates are accurate, and there is no problem in general, especially the pre-sale permit. In particular, it needs to be reminded that property buyers must look at the original when reading the five certificates, and the copy is easy to cheat, which is also the key to whether they can apply for real estate licenses in the future.
2. Pay attention to the terms of the contract.
We must pay attention to this. The text of the house sales contract must be standardized. Friends can download and print on the website of the real estate bureau. Read it first, then read it carefully and fill it out when signing the contract.
3, clear delivery time, liability for breach of contract.
The seller's liability for breach of contract for late delivery, pay attention to whether there is compensation for late delivery, that is to say, the delivery date must be confirmed, and the delivery date must be clear to the year, month and day. Do not accept any unreasonable terms. If there is no penalty clause in the contract, the breaching party will pay the other party a penalty of 1% to 5% of the total contract price according to law, and pay special attention to the proportion of penalty for overdue delivery.
4. Confirm the terms of pricing method and payment method.
See clearly the pricing method, total price and payment method. The price per square meter should be clearly stipulated in the contract. If other expenses (such as water heating and gas installation fees, etc. ) are included, and they should be listed together. Is the house payment paid in one lump sum or by installment? Is it cash payment or bill payment, etc.
5, confirm the area and area difference processing.
The Measures for the Administration of Commercial Housing Sales clearly stipulates that if the purchased commercial housing has an area difference, if it is agreed in the contract, 3% will be taken as the watershed, and if the absolute value of the area error ratio is within 3% (including 3%), the house price will be settled according to the facts. When the absolute value of the area error ratio exceeds 3%, the buyer has the right to return the house or negotiate with the developer, so this kind of problem can only be avoided after the area difference is explained in detail in the contract.
6. Confirm whether the rights and obligations in the contract terms are equivalent.
We must pay attention to whether the rights and obligations of both parties in the terms of the contract are equal, and put forward our own amendments in time. The main research place is the contract supplement part of the developer. Be careful not to harm your own interests or give up your related rights. Signing a contract is a very serious matter and a legal act, so it is very important to know clearly before signing a contract.
7. Be sure to confirm whether the delivery date is confirmed.
It is common to delay the delivery of the house due to insufficient funds. Developers often make a fuss about pre-sale contracts, such as only indicating the completion date and not indicating the delivery date; Use some vague language such as "after water and electricity installation, after quality acceptance, after residential facilities are completed". In this regard, when signing a contract, buyers must clearly stipulate that the delivery date is "a certain month and a certain day" and indicate the responsibilities that developers need to bear if they cannot deliver the house on time.