2. Negotiation and communication with the bank: After the borrower pays off the loan, he must contact the bank in time to explain the reasons for the overdue, and explain that the individual has a good willingness to repay, and the overdue is not caused by malice, requesting the bank to delete the bad records. After the bank verifies the situation, it will generally delete the bad records.
The above is what to do if I forget to mortgage my house.
What if the mortgage is not approved?
There are many reasons why the mortgage is not approved. It is common that the borrower's qualification does not meet the requirements of the lending institution. For example, the credit information is tainted, the income does not meet the requirements of banks or the debt is too high. It may also be the reason of the developer. It is necessary to find out what causes banks not to approve mortgages:
1. If the borrower cannot approve the mortgage due to his own reasons, he must do everything possible to meet the qualification requirements of the bank, such as reducing liabilities and increasing income. This situation will be more difficult if the loan cannot be approved because it is overdue;
2. If the borrower can't approve the loan due to his own reasons, he should negotiate with the developer to see if he can get the payment and deposit. Generally speaking, if the buyer cannot lend money due to his own reasons, the buyer shall bear part of the liability for breach of contract;
3. If the loan cannot be approved due to the developer's reasons, the borrower can get back the down payment and deposit already paid. If the developer does not give it, the borrower can also get back the payment and deposit through legal channels.
How to deal with the house if the bank loan can't come down?
If the house loan fails, the customer can choose to return a house for repayment. However, it must be noted that if the mortgage application is not passed because of its own credit problems, then returning a house is a breach of contract. I am afraid that real estate developers will not refund the down payment in full, but will deduct a part as liquidated damages. Of course, customers can check the reasons for the unsuccessful mortgage first. If there is a chance to remedy it, there is no need to check out directly. For example, if the information provided is incomplete or incorrect, the customer can supplement the complete and accurate information and reapply; You can also apply directly to other banks. If the running water is not enough and the loan amount is much less, you can also choose to increase the down payment and reduce the loan amount. This article is mainly about the knowledge points of so hard to forget house mortgage, and the content is for reference only.