Can I make a down payment if I can't get a house loan?
If you can't get a loan, the down payment can be refunded. However, it should be noted that according to different reasons for refusing loans, it will be the responsibility of down payment refund.
1. If the bank refuses to approve the loan due to the developer's reasons, then the buyer can ask the developer to refund the down payment and deposit.
2. If the buyer refuses the loan for personal reasons, such as the information provided is untrue, or the buyer's credit record is not good, then the buyer should bear the liability for breach of contract and the down payment will not be fully refunded.
3. If the buyer's loan is refused due to policy reasons or bank reasons, the buyer shall negotiate with the developer for a refund.
Never do anything until the mortgage is lifted.
1, large credit card consumption or loan
Many people control not to use credit cards until the mortgage is approved. After the approval, they began to let go of themselves, spend money by credit card everywhere, or apply for loans on multiple platforms, resulting in a high debt ratio under their names. When banks generally see this situation, they will definitely worry that borrowers may not be able to repay. In order to avoid the risk of borrowing, they will stop borrowing.
Step 2 vouch for others
Guarantee for others, especially joint guarantee, the debt of the other party will be shown on the guarantor's credit report, and it will also be regarded as the guarantor's invisible debt. Banks check their credit before lending, and when they see that the borrower's debt has increased and the income has not improved, they may lend cautiously or even refuse to lend.
3, the use of provident fund
Many employees have provident fund, so when buying a house, they will give priority to choosing provident fund loans. In fact, the balance of provident fund accounts will be stipulated in different regions. For example, some require borrowers to make contributions for two months every month, and deduct money from their accounts for repayment in the first month. If at this time, the borrower emptied the provident fund before the loan, and there was no place to deduct the money after the loan, it would be very troublesome.
4. Changed to a new job
The second generation of credit information will display the borrower's work information. If the borrower changes his job and works less than 3 months, he will be considered unstable and refuse to lend him money.
If you can't get a loan to buy a house, can the down payment be refunded? I'll tell you something about what you should never do before the mortgage is lifted.