You can talk to the bank staff and find out the reason for the delay in your loan. 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.
The second measure: change banks.
Different banks have different regulations and audits on loan conditions, so if the buyers apply for the first bank but don't give it back, they might as well change banks.
The third measure: 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.
The fourth measure: check out
If you have tried all the above three measures and the mortgage still doesn't come down, you can only consult the developer to return a house. What needs to be clear is that you can return a house if the mortgage loan cannot be handled, but you should investigate the different responsibilities of the buyer and the seller according to the reasons.
Case 1: It is the developer's reason that the mortgage can't be done.
If the bank does not approve the loan because the developer has not obtained the pre-sale permit or sold the existing house that does not have the conditions for use, the buyer can completely ask the developer to refund the down payment and deposit, and ask the developer to pay the corresponding interest loss.
Case 2: The buyer's information is incomplete or the credit history is not good.
If the bank refuses to grant loans because of the problem of property buyers, it can return a house, but it will also bear the responsibility for breach of contract. Generally speaking, the amount of liquidated damages will be indicated in the purchase contract, so don't be afraid of the developer's opening.
Situation 3: Loans cannot be issued due to changes in policies or bank regulations.
If the buyers can't handle the loan smoothly because of policies and other reasons, they can negotiate with the developers to return the house unconditionally and get back their down payment. If the developer does not cooperate, the buyer can sue to the court to prove that he is not at fault.
Extended data
No one wants a loan that can't be approved, so make the following preparations before buying a house.
1, check the credit first. Under normal circumstances, before signing a contract to buy a house, the developer will ask you to check the credit information first and make sure there is no problem before you can carry out the follow-up work.
When signing the contract, you must pay attention. If the loan is not approved, we must see clearly whether the buyers need to bear the liability for breach of contract and whether they can negotiate with the developers not to bear the responsibility.
3. Learn more about policies. Before buying a house, you should know more about whether banks can still lend, especially in hot cities, where policies are tightening and the loan quotas of some banks are very tight, so you must know more before buying a house.
Reference materials? Sohu? The down payment for buying a house has been paid. What if the loan cannot be approved now?