If you can't do it yourself, the developer can only give you a suggestion and won't try his best to help you. The price of the house has been rising. If you can't get a loan, it's a breach of contract. Developers will sell their houses to others at high prices and make more money.

I suggest you sign a contract and let the developer do it for you. If you can't do it, it's none of your business, and you won't break the contract.

Generally, the developer will take you to the bank. If it's not easy, he will also think of some ways for you, but mainly on his own.

They often give advice that your friends or your father's friends should not do business. Just ask them to stamp your income certificate.

You can usually get a loan. If the income is not high, you can borrow it for a few more years, 25 years or 30 years.

There are two kinds of results when the house purchase loan is not approved.

Find a way to prepare the funds yourself and buy the reserved house in full.

Negotiate with the developer to refund his down payment and bear the penalty for returning the house.

Secondly, try to save the situation that the loan is not available.

Every bank has different requirements for housing loan approval. If the loan application in one bank is delayed, you must actively communicate with the developer and apply in another bank. After all, developers also want to sell houses, and we also need loans to buy houses.

If the mortgage application can't be approved for a long time, if there is no problem with personal credit information, we should actively seek breakthroughs from these aspects, add * * * borrowers, provide large assets certificates to banks, buy a certain proportion of wealth management funds as deposits in loan banks, or reserve five or six positive contact information at home. In short, we should let the bank feel that the loan we applied for has repayment ability in the later stage, and the other is to let the bank rest assured that we will not run away.

Especially in the last three years, it is difficult for banks to approve loans, and it is gradually becoming the norm to buy a house. If the mortgage is not approved for a long time, these methods are still very useful.