Staff hotline on the second floor. Banks are notoriously afraid of complaints. Go ahead and complain. First of all, don't use your own phone and mobile phone. It is best to use your family's mobile phone to avoid being hated by the loan bank. Then you can say on the phone that you are a high-end customer and the bank's failure to lend money will affect your performance of the contract. Who will bear a large penalty ... it can be heavier. Finally, don't forget to say that if you don't solve it, you will complain to the CBRC. Of course, don't use your real name on the phone, and don't disclose the name of the loan officer, otherwise it will be easily found out. Don't blame me if the plan fails.

Second, the loan to buy a house, what if the bank does not lend money?

It is understood that banks do not lend mainly for the following reasons:

1. The information approved by the borrower is incomplete;

2. The borrower's conditions do not meet the conditions stipulated by the bank;

3. Bank funds are in short supply;

4. The borrower has bad credit.

How to solve the problem of not borrowing money?

1. Before applying for a loan, prepare all the information needed for the loan, and try not to be rejected by the bank because of incomplete information in the middle of the loan application;

2. If the borrower does not meet the requirements of the bank, he can apply for a loan from the bank after turning to the guarantee work. However, it should be reminded that the loan cost is usually high;

3. In some months, there will be a shortage of bank funds. In this case, the borrower had better avoid the time when the bank is short of funds to apply for a loan, otherwise the bank will often be particularly strict with the borrower during this period, or it will take a while to lend money after the materials are approved.

4. Banks will also refuse to lend because the borrower's credit is not up to standard. If the borrower maliciously overdue, then there is usually no way to refinance. If the borrower has a bad credit record for some reason, he can issue a certificate to the bank that caused the bad record and submit the overdue certificate to the bank to apply for a loan.

Third, the real estate license is mortgaged, but what if the bank delays lending?

In this case, on the one hand, it is necessary to consult the bank about the reasons for not lending money, and whether there is any situation that the bank thinks that it cannot lend money; On the one hand, if the bank refuses to lend money without justifiable reasons, it should be a bank default.

If there is something wrong with personal credit information or other evidence makes the bank feel that it is not suitable for lending, the bank can terminate the loan contract and cooperate with the customer to handle the asset release procedures.

If the bank can't lend money in time due to its own reasons, if the loan contract stipulates a specific loan date and refuses to lend money after this date, it is a violation of the bank loan contract. Customers can go to the bank and ask the bank to compensate for the losses caused by the loan not being in place in time.

Fourth, the developer promises to borrow money to buy a house, and the bank does not lend money. What should I do?

Are the procedures of the developer complete? Have all the procedures provided to the bank been given? What are the reasons for not approving the loan?

Impulse comes first.