2. Change banks: Different banks have different norms and audits on loan standards. Therefore, if the user has applied for a loan from one bank, he can change to another bank;
3. Find a guarantee company: If the user does not have good qualifications, but he really wants to buy a house, he can find a guarantee company to help with the loan.
What should I do if the loan fails after the down payment? Related content.
Should I pay the down payment or approve the loan first?
In the process of buying a house with a loan, you need to pay the down payment first. Users can only apply for a loan from the bank after paying the down payment to the real estate agent and signing the relevant contract. When applying for a loan, the bank will inquire whether the user has signed a down payment contract. Without such a contract, the bank will not hear the user's loan application.
The more down payment, the easier it is to approve loans?
The down payment of a loan directly affects the amount of the loan. Loans with more down payment will be less, and loans with lower down payment will be higher. For banks, the higher the loan amount, the higher the corresponding risk, because the borrower's monthly payment is more, on the contrary, the loan amount is small, the risk is low, and the borrower's repayment pressure is small. Therefore, to a certain extent, the more down payment, the easier it is to get a loan than the lower down payment. The success of natural loans depends not only on the down payment, but also on the borrower's sufficient repayment ability and excellent personal credit. If a married person applies for a mortgage or car loan, it is not only a personal problem, but also the other half's personal credit and income. After all, this involves common property. Generally speaking, if users want to improve the loan pass rate, it is also a good choice to pay a little more down payment. In addition, after the housing loan is approved, it is best for users to maintain their personal credit during this period. Because the money for housing loan approval has not yet arrived, it is also possible that the loan approval is still unsuccessful because of accidents during the period. This article is mainly about what to do if the loan fails after the down payment. Relevant knowledge points are for reference only.