First of all, an affirmative answer.

It's possible.

Second, the specific analysis

If the mortgage loan is approved and the user passes the face-to-face review, then the user can sign the mortgage loan contract directly with the bank. As long as the contract is signed, the bank can no longer refuse users.

However, the user only passed the preliminary review of the mortgage, and the user did not pass the final review. In the final review stage, users may be rejected.

Therefore, the approval of mortgage loans must pass the final review, that is, face-to-face review, so that banks will not refuse users, but only pass the preliminary review, and the final review may be rejected.

Just search: quick inspection at the tip of the shell. Click "Query" and enter information to query your own 100-bank credit data, which come from more than 2,000 online lending platforms and UnionPay centers across the country. Users can query their big data and credit status, obtain various indicators, and query their personal credit status, online black index score, blacklist, online loan application record, application platform type, overdue amount, credit card and online loan credit estimated amount and other important data information.

Third, how to remedy the refusal of mortgage?

If the applied mortgage loan is rejected, if you want to remedy it, you must first find out the reasons for the rejection, and then take corresponding measures to solve the existing problems.

Moreover, the problems are different and the solutions are different.

1. It is necessary to inquire about credit information during the approval of personal bad credit loans. If there are bad records in the personal credit information report, most banks/management centers will refuse to approve the loan because they are worried about the risk of the loan.

Solution:

(1) At ordinary times, pay attention to maintaining personal good credit and accumulate more good records (note that if the credit information is damaged due to overdue repayment of the credit products under your name, you must pay off all overdue debts at the first time).

(2) When applying again, you can find a person with good credit to provide guarantee for your mortgage loan, which can increase the probability of loan approval.

2. The personal debt ratio is too high. Recently, many loans have been applied frequently in many financial institutions, resulting in too many credit inquiry records, which leads to "expenditure" and long-term lending, making the economic life of banks/management centers unstable.

Solution: It is suggested to suspend the application for new loans for one or two months, and repay the borrowed but unpaid loans during this period, and then apply for loans after improving the "expenditure" situation and reducing the personal debt ratio.

3. If the economic income does not meet the requirements, the bank/management center will generally require that the running water provided should not be less than twice the monthly mortgage repayment, otherwise it will be suspected that the repayment ability is insufficient.

For example, if you choose to borrow 600,000 mortgages with a term of 20 years, then the monthly principal payable is 2,500 pounds, and you need to provide running water with a monthly income of not less than 5,000 pounds.

Solution:

(1) You can choose to increase the down payment and reduce the loan amount. In this way, the requirements of banks/management centers for running water will naturally be reduced.

(2) You can apply for a mortgage loan with your spouse or parents, and then submit the running water of your spouse and parents to the bank/management center.

(3) You can provide the deposit certificate of provident fund/social security instead. If you have certain assets in your name, you can also provide some additional assets and financial proof materials to supplement it.

(4) The application materials are incomplete or the information provided by mistake is not comprehensive enough, which makes it impossible for the bank/management center to fully understand the credit level; Or the information is wrong and inconsistent with the real situation, which makes the bank/management center suspect that it deliberately exaggerates or conceals the facts to defraud the loan funds.

Solution: Add accurate and perfect information and ensure that the information is correct before submitting it to the bank/management center.

5, does not meet the local housing policy, housing policy in different regions may be different, taking Changsha as an example:

(1) Households whose registered permanent residence has moved out of this city (except retired military personnel and those who have settled with the army) have settled in this city for 1 year, or have paid personal income tax/social insurance continuously in Changsha for 24 months, and are restricted from purchasing commercial housing 1 set in the restricted area.

(2) Non-local registered households with stable employment and no housing in Changsha have paid personal income tax/social insurance for 24 months continuously, and the commodity housing is restricted in the restricted purchase area 1 set.

Solution: Either find a way to settle down, or you can only borrow money to buy a house after personal income tax/social insurance is paid.

6. The down payment did not reach the specified proportion. If the loan is used to buy the first suite, the down payment generally needs to pay about 30% of the total house price; If the loan is used to buy a second home, the State Council clearly stipulates that the minimum down payment ratio shall not be less than 40% (regulations may vary from place to place, please call for details).

Solution: Make up the down payment before reapplying. Of course, when buying a house, you should fully consider your economic income level and repayment ability, and don't blindly choose a room with too high a price.

7. Bank loan funds are tight. When handling the mortgage, it happened that the banking business was busy and the quota was tight, which led to the delay of approval and lending, and even suspended the loan business.

Solution: You can change to a bank with sufficient amount to re-apply for mortgage (note that banks are generally short of funds at the end of the year, and the year-end settlement is not very good at this time, so it is best to wait until the end of the year).

8. Real estate developers have problems. Real estate developers have incomplete documents and are not qualified to sell houses.

Solution: You can only choose to check out. However, because the mortgage has not been rejected, it is not a breach of contract and there is no need to pay liquidated damages. Generally, you can get all the down payment back, and you can even ask the other party to compensate for certain losses.

Did you get a loan after the first mortgage review?

No, after the first trial is passed, you need to pass the final trial before lending. Generally speaking, the handling of mortgage loans needs to be reviewed by banks at all levels. The preliminary examination is the first examination of the bank manager, and the final examination is the final examination of the temporary loan. After the final approval, the loan will be fine, and there will be several levels of approval in the middle. Banks are different, but they will be audited many times. \ x0d \ x0d \ Personal housing mortgage loan conditions: \x0d\ 1, with urban permanent residence or valid residence status; \x0d\2。 Have a stable occupation and income, good credit, and the ability to repay the loan principal and interest on schedule; \x0d\3。 Self-raised funds accounting for more than 20% of the total price of the purchased house are guaranteed to be used for the down payment of the purchased house; \x0d\4。 Using assets recognized by banks as collateral or pledge, or using units or individuals with sufficient compensatory capacity as guarantors to repay the principal and interest of loans and bear joint liability; \x0d\5。 There is a purchase contract or agreement, and the price of the purchased house basically conforms to the appraisal value of the bank or the real estate appraisal agency entrusted by the bank; \x0d\6。 Other conditions stipulated by the bank. \ x0d \ x0d \ Materials to be provided when applying for mortgage: \x0d\ 1. Husband and wife's ID card, household registration book/temporary residence permit and foreigner's household registration book \x0d\2. Marriage certificate/divorce certificate or court verdict/single certificate \x0d\3. Proof of income (according to the format stipulated by the bank) \ Other properties, bank running water, certificates of deposit, etc. \x0d\6。 If the borrower is an enterprise legal person, it must also provide the annual business license, tax registration certificate, organization code certificate, articles of association and financial statements.

The mortgage has passed the preliminary examination, but failed the final examination.

The mortgage loan passed the preliminary review, but failed the final review, which means that the user's mortgage loan application was rejected. After the mortgage application is rejected, it is best to resubmit the application at regular intervals. Frequent submission of mortgage applications in a short period of time does not help users improve the approval rate. Only by improving your comprehensive credit score can you pass the audit.

Of course, users can also choose to apply for a mortgage loan instead of a bank. Different banks have different auditing standards. Just because the last bank rejected the application doesn't mean that the other bank will reject it.