The probability is quite high.
There is no accurate probability that the loan will not be approved. Mainly do not meet the application conditions, or personal credit problems. Therefore, as long as the borrower meets the application conditions stipulated by the bank, it will generally pass. If you want to improve the loan success rate, it is recommended to go to the bank to inquire about personal credit information first, and then prepare relevant materials as required. The more complete the materials, the higher the application pass rate.
Who is responsible for the intermediary housing loan?
If you can't buy a house with an intermediary loan, the responsibility is half and half. First of all, people who buy houses should have certain responsibilities. The loan is used to buy a house, but you can't apply for a loan. It only shows that there is a problem with the credibility or the information is unqualified.
Mortgage method:
(1) The full name of personal housing entrusted loan is personal housing guarantee entrusted loan, which refers to the personal housing loan entrusted by the housing fund management center to commercial banks by using the housing provident fund. Housing provident fund loan is a policy personal housing loan, on the one hand, the interest rate is low; On the other hand, it mainly provides such loans to low-and middle-income workers who pay the provident fund. However, because the interest difference between housing provident fund loans and commercial loans is above 1%, both investors and ordinary people who buy houses and live in their own homes are more inclined to choose housing provident fund loans to buy houses.
(2) Personal housing self-operated loans are loans granted to individual buyers with bank credit funds as the source. Also known as commercial personal housing loans, the loan names of banks are different. China Construction Bank is called individual housing loan, and Industrial and Commercial Bank and Agricultural Bank are called individual housing guarantee loan.
(3) Personal housing portfolio loan refers to the loan issued to the same borrower with housing provident fund deposits and credit funds for the purchase of self-occupied ordinary housing, which is a combination of personal housing entrusted loans and self-operated loans. In addition, there are housing savings loans and mortgage loans.
Repayment method:
Matching principal and interest repayment, the principal is gradually increased. The so-called equal principal and interest repayment method refers to the equal repayment of loan principal and interest every month during the loan period until the loan is settled. That is, the sum of the interest and principal repaid by the borrower every month is equal, and the ratio of interest and principal to the planned monthly repayment amount changes every time. At first, because of the large amount of principal, interest accounts for a large proportion, and the current principal payable = planned monthly repayment amount-current interest payable. With the increase of repayment times, the proportion of principal gradually increases.
Average capital repayment method refers to equal repayment of the principal every month, and the loan interest decreases month by month with the reduction of the principal until the loan is settled. That is to say, the amount of principal repaid every month is equal, and interest = current remaining principal × daily interest rate × current calendar days. The monthly repayment amount is not fixed, but decreases with the decrease of monthly principal, and the interest gradually decreases with the increase of repayment times.
Because of credit inquiry, many loan intermediaries can't get loans. Why do they always ask for face-to-face signature in the past?
Because many loan intermediaries can't get loans because of credit inquiries, why do they always let the past sign face to face? Because when the loan can't go down, people from the loan company will still ask you out. Usually, they will introduce you to other loans with relatively simple loan conditions and extremely high interest rates, and will lobby you for loans in various ways to extract profits from them. This kind of loan must be refused. Although the loan is relatively easy, the pressure of repayment in the later period is enormous. So be careful to prevent being cheated.
Selling a house through an intermediary, what should I do if the loan is delayed?
Yu Xiansheng in Zhengzhou met an annoying thing. He originally wanted to sell his old house and buy a new house through an intermediary, but the loan for buying a house was delayed. Without this money, the desire to buy a new house was dashed. What happened? Selling a house through an intermediary, what should I do if the loan is delayed? Let's see what happened behind this.
Example details:
In the second half of last year, Yu Xiansheng hung up the house through a real estate agent. Ms. Guo, who was eager to settle in Zhengzhou, quickly took a fancy to this house. The two sides hit it off and began to discuss transfer and payment.
The transaction price of both parties is 850,000 yuan. After paying RMB 6,543,800+5,000, the buyer and the seller, led by the intermediary company, go through the transfer formalities at the Housing Authority, and then go to the nearby bank to handle the mortgage loan. The intermediary company said that as long as Ms. Guo's loan comes down, she can use the money to buy a new house.
The house has been transferred, but the loan has not been approved. Yu Xiansheng asked Ms. Guo, but Ms. Guo was at a loss.
Case study:
Because Ms. Guo entrusted the transfer mortgage to the real estate agent, they didn't know what happened during the period. It was not until the beginning of March that more and more owners came to the Housing Authority for consultation that they suddenly realized.
Both buyers and sellers clearly remember that their online signing price is 560,000 yuan, while Ms. Guo's loan is 600,000 yuan. At that time, they also asked what was going on, and the intermediary said that it was right to listen to him. Yu Xiansheng said, I didn't know the policy had suddenly changed, so he hasn't got the rest of the house payment.
The staff of an intermediary company said that there were not a few transactions in Zhengzhou. For example, the transaction price of a house is 800,000 yuan. After evaluation, the bank is willing to lend the buyer 600,000 yuan. However, in order to pay less taxes, in the online signing of second-hand housing transactions, both parties agreed (not excluding the guidance of intermediaries) to register the transaction price as 400,000 yuan.
The relevant person in charge of Zhengzhou Real Estate Mortgage Management Office said that there is no distinction between old and new policies. According to the relevant regulations, consumers should truthfully declare and fill in the transaction price when signing online, and the price should not be lower than the total loan amount, so as to be legal, reasonable and reasonable.
However, in view of the large number of owners involved, the Housing Authority will co-operate with banks to deal with this problem.
Tip: the online signing price cannot be lower than the total loan amount, which will not only affect the loan approval amount of buying a house, but also have no benefit to the seller.
Who is responsible for buying a house through an intermediary and not applying for a loan?
First of all, it depends on how the intermediary service contract signed by you and the intermediary is specifically agreed; Secondly, the intermediary did not fulfill the obligation of care when signing the contract with you, and signed a service contract to help you with the loan before verifying your credit situation, which was a certain fault. Finally, overdue payment is caused by loan failure, and there is a causal relationship between the two, and the intermediary needs to bear the responsibility for overdue.
This is the end of the introduction about how the intermediary can't handle the loan and what to do if the intermediary doesn't handle the loan. I wonder if you found the information you need from it?