1. Identify the reasons why the loan cannot be approved.
Generally, real estate developers seek loans from other banks first, but if they can't get them, it depends on why you don't approve them. If they are able to pay, they usually ask for an extension of the repayment period.
At present, the whole trend is that banks tighten loans and lend slowly. You pay the down payment and sign the loan contract. If the loan amount is insufficient, cash supplement is generally needed. Generally speaking, because of their own credit and uneven materials, there are few that cannot be approved, so we must make full preparations in advance.
If you want to refund the down payment, you must discuss it with your family in advance.
If you are worried about returning the down payment, you can only discuss it with your family. Mainly to terminate the contract, not to breach the contract, not to assume responsibility and compensation. If the last family doesn't want to, you can make some compensation, depending on how you negotiate.
You must discuss with your family before signing the sales contract. Banks have no money, and slow loans are not a breach of contract. If there is something wrong with its credit, it must bear the responsibility for breach of contract. At present, the bank's capital income is very tight, commercial loans are slow, and provident fund loans are quite fast.
3. Try to pay in one lump sum.
Try to pay in one lump sum. If the house cannot be financed for personal reasons, the owner must be compensated for liquidated damages. Because the intermediary company may have introduced the house and didn't know your information in the early stage. Due to the national policy, compensation can be negotiated with the owner. When signing the sales contract, if the house cannot be financed due to policy and personal reasons, the contract will be dissolved by itself.
4. Application questions
This is generally not the case. Before the down payment, the real estate agent will submit your relevant information to the bank for inquiry. Unless there is a serious problem with your receipt, it will usually go straight through. Simply put, as long as you confirm that there is no big problem with your receipt, you can definitely get a loan. Buying a house with a loan is actually a mortgage. If you don't pay it back for a long time, the bank has the right to take your house.