If you don't meet the requirements of the loan, you can only apply in full, or let others apply for a loan for yourself. The mortgage cannot be done because of the developer of 1; 2. The information provided by the purchaser is untrue or the credit record is bad, which leads to the bank not approving the loan; 3. If the loan cannot be obtained due to policy changes or bank regulations, the buyer shall negotiate with the developer to return the house. Legal basis: Article 23 of the Supreme Court's Judicial Interpretation of Commercial Housing Sales Contracts stipulates that if the buyer pays by secured loan, and one party fails to conclude a secured loan contract for commercial housing, the other party may request to cancel the contract and compensate for the losses.
What if the loan can't buy a house? What should I do?
1. What should I do if I can't buy a house with a loan? What should I do? The way to deal with the inability to borrow money to buy a house can be: try to change the unit or bank that handles it; Make your submission as complete, accurate and true as possible; Timely performance of repayment obligations, so that their credit records are more complete. These methods can greatly improve the chances of successful loans. Buying a house is a very happy and exciting thing, and the state has also given many policies that benefit the country and the people. But what if the loan can't buy a house? You can try to change a bank or find a professional guarantee company to protect yourself and improve the loan success rate. Let's explain these methods below. Before signing the sales contract, negotiate with the last one. If the bank has no money to lend or is slow to lend, it is not a breach of contract. If there is something wrong with your own credit, you should bear the responsibility for breach of contract. Now banks are short of funds, commercial loans are relatively slow, and provident fund loans are quite fast. Try to pay in one lump sum. If you can't get a loan for personal reasons, you should compensate the owner for liquidated damages, or find an intermediary company, because you may buy a house through an intermediary company and don't know your information in the early stage. If it is due to national policy, you can negotiate compensation with the owner. Moreover, when signing the sales contract, try to indicate that if the loan cannot be made due to policy or personal reasons, the contract will be automatically terminated. As long as you meet the loan conditions in Shanghai, you can get a loan. Second, the reasons for the failure of the loan If the house can't pay the mortgage after the down payment, it will be handled according to the reasons for the failure of the mortgage. In the trial of a contract, the agreement in the contract will generally be given priority. Therefore, it is the most important basis to stipulate in the contract who will bear the liability for breach of contract if the loan is not approved. If there is no agreement or the agreement is unclear, it shall be handled according to the following principles: 1. Reasons of the developer: When the developer sells houses that are not qualified for sale, that is, the developer fails to obtain the pre-sale permit or sells existing houses that are not qualified for use, the bank will not approve the loan when reviewing this situation. 2. Reasons for the buyer: If the information provided by the buyer is untrue or the buyer's credit record is bad, the bank will not approve the loan, and the buyer will be liable for breach of contract. At this time, property buyers can take the following measures. 1. First of all, you can communicate with the bank clerk to find out the reason why your loan is delayed. If the problem lies in the buyer's own credit, running water and liabilities, it is suggested to increase the down payment and reduce the loan application amount, and then apply for a loan from the bank after the information is fully prepared. 2. Changing Banks Different banks have different regulations and audits on loan conditions. Therefore, if the property buyers apply for the first bank, but have not given back, they may wish to change to another bank. 3. Find a guarantee company. Of course, there are indeed some buyers with poor qualifications, but they especially want to buy this house. At this time, they can ask the guarantee company for a loan. It should be noted that the cost involved will be higher than that of direct bank loans. Because the guarantee company not only needs the borrower to pay the handling fee, but also needs to pay the guarantee fee, interest fee and other expenses. 3. Non-buyer's reasons: if the bank mortgage loan is postponed, the loan amount is reduced or cannot be processed, both parties will generally have a supplementary contract or agreement, stipulating that the buyer will choose, or the buyer will pay the purchase price within a certain period of time, or the buyer has the right to terminate the contract; If the house payment is not paid within the time limit, the developer has the right to terminate the contract. As can be seen from the above, when other netizens encounter the same problem, the most common way is to remedy the content of the loan information, provide more detailed and accurate information, or change banks to find other guarantee companies to improve the probability of loan approval. The house is a shelter for everyone, and it is an unavoidable thing in one's life, so it is inevitable to encounter some problems in it and solve them in time.
What if I can't buy a house with a loan?
The solution when you can't get a loan when you buy a house, because there are different reasons for not getting a loan. If the loan cannot be obtained due to the buyer's reasons, it will generally constitute a breach of contract and should bear the liability for breach of contract. If the buyer can't get a loan due to force majeure, he can ask to cancel the purchase contract. According to the first paragraph of Article 563 of the Civil Code, which came into effect in 202 1, 1, the parties may terminate the contract under any of the following circumstances: (1) the purpose of the contract cannot be achieved due to force majeure; (two) before the expiration of the time limit for performance, one party clearly indicated or indicated by his own behavior that he would not perform the main debt; (three) one party delays the performance of the main debt and fails to perform it within a reasonable period after being urged; (4) One of the parties delays the performance of debts or commits other breach of contract, which makes it impossible to achieve the purpose of the contract; (5) Other circumstances stipulated by law. Article 563 of the Civil Code may terminate the contract under any of the following circumstances: (1) the purpose of the contract cannot be achieved due to force majeure; (two) before the expiration of the time limit for performance, one party clearly indicated or indicated by his own behavior that he would not perform the main debt; (three) one party delays the performance of the main debt and fails to perform it within a reasonable period after being urged; (4) One of the parties delays the performance of debts or commits other breach of contract, which makes it impossible to achieve the purpose of the contract; (5) Other circumstances stipulated by law.
What if I can't get a house loan?
1. If the house loan fails, the customer can choose to return a house and repay. However, it should be noted that if the mortgage fails because of its own credit problems, then returning a house is a breach of contract. I'm afraid real estate developers will not refund the down payment in full, but will deduct a part as liquidated damages.
2. Of course, customers can also check the reasons for mortgage failure first. If there is still 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 and improve the accurate information and reapply; You can also apply for another bank directly. If the running water is insufficient and the loan amount is not too much, you can also choose to increase the down payment and reduce the loan amount.
3. If the mortgage is finally successful, the customer can naturally hand over the house with the real estate developer after receiving the remaining house payment, and then as long as the loan is repaid on time, the house can truly belong to the customer.
4. Once a bad credit record is generated, the borrower need not be too pessimistic, and some situations can be remedied: if the bad record is not caused by himself, the individual can negotiate with the bank that generated the bad record; If it is caused by a bank or a third party, the borrower can negotiate. If negotiation fails, he can continue to appeal to the Credit Information Center of the People's Bank of China. In addition, you can try different banks, each bank has different credit scoring standards, and some banks will be relatively relaxed. Generally speaking, as long as the credit record is not very bad, you can get loans.
5. If the customer goes to mortgage to buy a house, if the loan can't be done, it is suggested to find out the reasons for the rejection of the mortgage first, then find out the reasons and take corresponding solutions. Customers can call the bank directly.
6. If it is found that the information provided by the customer is wrong or the information such as income certificate is not fully prepared, the customer can supplement and improve the information and reapply. Of course, customers can choose to change to another bank, or they can choose to increase the down payment to reduce the loan amount.
What if I can't get a house loan?
Many times, due to the tightening of mortgages, buyers have been unable to approve loans after buying a house. Or because the personal bank credit record is bad, and the personal economic situation is not good, the mortgage cannot be approved. It can be said that the failure to approve the mortgage is a very headache, and many buyers have already paid the down payment and down payment. So, what if the loan can't buy a house? Let's take a look with Bian Xiao.
1. What if I can't get a house loan?
1. There are many reasons why the mortgage can't be done, so in actual operation, different situations have different treatment methods. In the trial of a contract, the agreement in the contract will generally be given priority. So in the contract, the most important basis is who will bear the liability for breach of contract if the loan is not approved.
2, if there is no agreement in the contract, or the agreement is not clear, there are several ways to deal with. If the developer does not have a house with the conditions for sale, that is, the developer has not obtained a pre-sale permit, or sells an existing house without the conditions for use. The bank found this situation in the review and will not issue loans. At this point, property buyers can ask the developer to refund the down payment and deposit, and ask the developer to pay the corresponding interest loss.
3. If the information provided by the buyer is untrue or the buyer's credit record is bad, resulting in the bank refusing the loan, then the buyer needs to bear the liability for breach of contract.
4. If the government's policies or bank's regulations have changed and the loan that the buyer should get cannot be realized, then the buyer should negotiate with the developer. If the negotiation fails and there is no agreement in the contract, then the buyer can prove that he has no process and is really unable to buy a house. Ask the developer to return the down payment and deposit.
Editor's summary: What if the loan can't buy a house? I believe everyone knows something after reading the article. I hope the above contents can bring you some help and suggestions. If you need more relevant information, please continue to follow us.
So much for the introduction of what to do if you can't get a house loan.