The house has been transferred, and the bank does not lend money: the bank loan is in the approval process, so wait patiently; If the bank loan interest rate policy is readjusted, whether to accept the new loan interest rate should be considered; If a bank cancels a loan application, it must find another bank to apply for a loan.
Legal basis:
Article 28 of the general principles of loans
Lenders should establish a loan management system with separate approval at different levels. The examiner shall verify and evaluate the information provided by the investigators, retest the loan risk, put forward opinions and submit for approval according to the prescribed authority.
Article 30
The lender shall issue the loan on schedule as stipulated in the loan contract. If the Lender fails to issue the loan on schedule as agreed in this Contract, it shall pay liquidated damages. If the borrower fails to use the money as agreed in the contract, it shall pay liquidated damages.
2. The house has been transferred. What if the bank doesn't lend money?
Now the bank has tightened the loan! Money is not yellow. If the buyer was a bank loan, you should have raised the price a long time ago!
3. What if the bank doesn't lend money after selling the house?
Just wait for the working day. Because bank loans are also in procedural order. Wait patiently.
Four, after the transfer, the bank refused to lend money, the reasons and solutions.
In the sale of second-hand houses, transfer is a very important link. Many times, after the buyer and seller transfer the second-hand house, they encounter the situation that the bank refuses to lend money. What shall we do? Why won't the bank lend money? We need to find out this. Let's look at the reasons why banks refuse to lend money and the solutions.
The reason why the bank refused to lend money after the transfer.
In the process of buying and selling second-hand houses, transfer is basically the last step. At this time, if the bank refuses to lend money, it must find out the reason and then make corresponding countermeasures.
If it is the bank's own reason, it can only be negotiated. For example, if the bank's loan line runs out, it will have to wait or change banks at this time. If the bank refuses to lend money due to improper operation of the buyer and seller or the intermediary company, it is a contract breach, and the defaulting party shall bear the liability for breach of contract according to the contract.
There are many precautions when buying and selling second-hand houses. If possible, sign the sales contract as standardized as possible, so that if one party's rights and interests are infringed, it can take legal weapons to protect itself. In fact, it will take about half a month for the property to be separated, and the bank can receive the real estate license as the mortgage certificate, and then confirm the loan. You can check this reason first.
In real life, I have seen many sellers fail to receive money because the bank does not lend money after the transfer. I have a little suggestion because of the play. When buying and selling second-hand houses, it is best to wait for the bank loan application to pass, and then go through the transfer formalities after confirming the bank loan, which will avoid many situations. what do you think?