However, if the waiting time is too long, you can also take the initiative to call the bank customer service staff to consult the reasons and see why you don't lend money.
If it is not because the borrower's credit problems affect the loan, it can be properly urged to borrow from the bank as soon as possible under the condition of sufficient quota; And you can try to communicate and see if you can put your loan priority first.
The seller can also ask the buyer to return the house if he can't receive the remaining house payment, and the two people will hand over the house property rights again; Or you can let the buyer change to another bank and apply for a new loan.
If the dispute cannot be settled, you can also bring a lawsuit to the local people's court.
In fact, when signing a contract with the buyer, the seller can also write the full amount into the contract offer, so as to avoid disputes arising from the failure to arrive in time in the future.
If you have overdue records online, or have loan records from multiple platforms, your records will be subject to big data risk control. When your online lending platform often rejects you, even the flower garden will close. If there is anything unusual in your online hacking data, you can find that Beijian Quick Check can get your own big data and credit status, various index data, and you can query your personal credit status, blacklist, online loan application record, application platform type, overdue amount, whether there are arbitration cases and other important data information.
Extended data:
What are the procedures and processes of second-hand housing mortgage loan and the lending time?
Second-hand housing mortgage procedures are mainly.
1. Negotiate the price with the seller, sign the house sales contract and pay the down payment. Step 2: The buyer and the seller apply for a loan from the bank, get the application form to fill in, and then submit the form and related materials (ID cards of both parties, residence certificate, buyer's bank income certificate, seller's real estate license, house purchase contract, down payment receipt, etc.). ).
2. After receiving the loan application materials, the bank will review the qualifications of the borrower and arrange relevant personnel to evaluate the transaction house.
3, the bank issued the examination and approval results, determine the loan amount and duration.
4. If approved, handle the property transfer and mortgage registration with the seller, and sign a loan contract at the bank outlet within the agreed time.
5. Banks issue loans.
Generally 1 pay off the mortgage within 2 months. If it is delayed, you can take the initiative to call the bank for consultation.