First, there is something wrong with the lender's qualification. If the debt ratio under the lender's name exceeds 50% and the credit history is overdue for many times, the bank considers the lender as a high-risk customer and therefore refuses the loan;

Second, there is something wrong with the mortgaged house. Not all houses can be used to apply for mortgage loans, such as houses for public welfare purposes.

Third, it is also possible that the bank's current loan amount is insufficient, or it is at a special time such as year-end settlement, and the bank will refuse the loan application. Each bank has different qualification requirements and detailed rules for lenders.

Extended data:

1. If the full mortgage loan is rejected, you can try the following methods:

1, find a formal guarantee company to intervene.

If you think that you can get a loan as long as you have a real estate, you are wrong!

When lending institutions approve loans, they should not only check the real estate situation, but also check your qualifications. If the borrower's qualifications do not meet the requirements, the loan application will also be rejected. In this case, we might as well find a formal guarantee company to intervene. With it as your guarantee, the difficulty of loan application will be greatly reduced, but the loan cost will increase, because the guarantee company needs to charge a certain guarantee fee.

2. Try several lending institutions.

If you are refused a loan because you can't find a suitable lending institution, you might as well try several different lending institutions.

At present, many lending institutions have carried out real estate mortgage loan business, but different institutions have different requirements for borrowers. Therefore, when choosing a lending institution, we must compare it with our own actual situation to see which institution's requirements best meet our own conditions before lending.

3. Consider changing the loan method.

If it is because the property does not meet the mortgage conditions, consider changing the loan method.

According to the provisions of the real estate mortgage loan, the mortgaged real estate must meet the following requirements:

1) has liquidity;

2) Clear property rights;

3) Room age ≤20 years;

4) Have real estate license and state-owned land certificate;

5) It can be listed and traded normally.

If the property you provide does not meet the above requirements, if you have a stable job and income and a good credit record, you may wish to try an unsecured loan.