In principle, yes, but success depends on the attitude of the developer. Because the developer does not agree, it will not guarantee the new house. At this time, he will not provide deposits to banks, and customers will not be able to apply for loans from other banks. Therefore, it is necessary to communicate with the developer to understand why he can't get the loan.

You can go to other banks for loans.

When I buy a house, I can't get a loan from the developer's cooperative bank, so I can go to other banks for a loan. This behavior is restricted by many conditions. First of all, the developer must have a credit guarantee line in the bank he chooses, or have a deposit in the bank he chooses. Only in this case, the bank will accept your loan application, especially the auction house, which is a new house without real estate license. If it is a house with real estate license, it doesn't matter which bank you apply for.

You should know why you can't get a loan.

If you buy a new house, you must know why you can't get a loan from the developer's cooperative bank, and see if there is any problem with your credit information or personal income. If your personal income can't meet the loan conditions of the bank, you should find ways to improve the flow and reapply. If there is something wrong with your credit information, it will be very troublesome. You can try to communicate with banks and developers to see if there are any solutions.

Determine whether your loan amount exceeds the standard.

When buying a new house and the developer's cooperative bank can't get the loan, it is necessary to determine whether the loan amount exceeds the relevant standards. If it is because the loan amount exceeds the standard, it is necessary to reduce the loan amount or lengthen the loan period, so that your monthly payment will be reduced, so that your burden will be lighter, the audit will be simpler, and you can get the loan faster.

Although you can't borrow money to buy a new house in the developer's cooperative bank, you can borrow money from other banks yourself, but this road is a bit difficult and will be restricted by many conditions. Therefore, you should try to apply for a loan in the developer's cooperative bank, sort out your own information in advance, ensure that the information is true and effective, and provide your own income certificate and bank flow. At the same time, you should also ensure that there is no problem with your credit information, so the chances of getting a loan smoothly will be particularly high.