There is no limit on the amount of bank loans to buy a house, which means that the bank's mortgage credit line at this stage is gone or close to the red line. Every bank's mortgage credit line has restrictions and regulations. If the restrictions are resolved, the bank will temporarily stop mortgage loans. For example, a bank's mortgage credit line was 500 million during the year. If the total mortgage lending in the previous year has reached this limit, you can't lend any more, and you need to wait for the next year.

Banks can provide various types of loans, but banks can't lend unlimited. Each bank obtains an annual total amount of credit from the central bank every year according to its own operating conditions, and then the bank decides how to put these credits according to its own business plan.

Users who do not have a bank quota can wait patiently for the next batch of quotas to come out. And under normal circumstances, users wait a long time to apply, and queue up in front, so they can make money quickly after they have a credit line.

How to deal with the house loan without approval?

1. Apply for a portfolio loan.

Tip: Take Beijing as an example. If you buy a 2 million house, the amount you can apply for provident fund is 654.38+0.2 million. Excluding the down payment of 600 thousand, the difference is 200 thousand This 200,000 can apply for a portfolio loan from the bank. It should be noted that not all banks accept portfolio loans, which involve provident fund centers, banks and other institutions, and the approval period is more than 3 months. Therefore, buyers who are anxious to pay the house price should consider it.

2. Apply for a commercial loan, and use the balance of the provident fund to offset the mortgage.

Tips: Since the amount of provident fund loans is not enough, why not give up provident fund loans and apply for commercial loans directly? In the case of commercial loans, the borrower can usually lend money about 2 weeks after submitting the loan application. As long as it meets the relevant conditions of the bank, it is generally possible to borrow the expected amount.

Moreover, after successfully applying for a commercial loan, you can apply to withdraw the provident fund to repay the monthly payment, but in this case, the interest will be higher than that of a simple provident fund loan. If the loan period is longer, the economic pressure that buyers need to bear is greater, which needs attention.

3. Due to credit information and other factors, the loan amount has been reduced.

Tips: You can consult other banks, and it is possible to obtain the expected quota when applying in a bank with loose mortgage policy. If you buy a new house, you can apply for a loan from a bank that cooperates with the property, and you can also get preferential interest rates.