1. If the bank customer service mortgage is normal and the progress is still in the process of lending, you can continue to wait patiently for a while because the bank quota is tight.
If the bank can't approve the money temporarily, it can only choose another bank to apply for a mortgage again.
2. Communicate with the original owner of the purchased house to avoid unnecessary disputes due to the delay in receiving the remaining house payment.
Under normal circumstances, after the mortgage is approved, it will usually be released in one or two months.
If something is delayed, a second audit may be conducted before the formal appropriation, so we must pay attention to maintaining good personal credit.
And if you really can't get a mortgage or change banks, you can only cancel the purchase contract, but you still need to bear the liability for breach of contract, and it is estimated that you have to pay a certain penalty.
Borrowers apply for loans too frequently or operate loans too frequently, which will increase personal credit risk. Just check the personal credit risk index in "Knowledge Check". The higher the risk score, the easier it is for the application to be rejected.
Extended data:
How many years can a second-hand house loan be used?
Generally, the loan period of second-hand housing loans is no more than 30 years. In addition, it should be noted that the age of the purchased property (the completion period of the property) usually does not exceed 20 years, and the loan period plus the age of the mortgaged property does not exceed 40 years in principle.
Of course, different banks will have different regulations. Some banks will relax the life of real estate to 25 or 30 years. For details, please call the customer service of the local branch. In addition, the deadline for the final application needs to submit the relevant materials of the application, which is determined by the comprehensive examination and approval of the handling bank.
It is suggested that when buying a second-hand house, it is best not to choose a house that is too old, otherwise the loan will not last long. The loan amount is not low, and the monthly repayment principal will not be low, so the repayment pressure will naturally be light.
And if the house you choose is too old, there are bound to be many problems, which may affect the evaluation of the house value by the evaluation agency.