1. When the two parties traded, the state issued a new mortgage loan policy. In order to keep up with the policy, banks must adjust their current business model. If the transaction between the two parties just violates the latest mortgage policy, the bank will cancel the loan and re-examine the qualifications of the lender.

2. During the transaction, both parties may have some improper operations, such as improper operations of the intermediary company and mistakes in the details of the loan contract. These are all third-party reasons. Banks have the right to cancel loans and need to re-examine the qualifications of lenders. In this case, the breaching party needs to bear the responsibility.

Problems needing attention in buying a house with a loan

1, the floating range of loan interest rate is related to how much interest the borrower will pay during the loan period, so more attention should be paid. If the fluctuation of loan interest rate is relatively small, the pressure on buyers will be relatively small, and if the fluctuation is relatively large, the pressure will also increase. Borrowers can analyze the fluctuation range of loan interest rates of various banks for reference before applying.

2. Frequency of adjustment of loan interest rate At present, most banks agree that if the benchmark interest rate of the People's Bank of China is adjusted, the bank will adjust the loan interest rate accordingly on June 65438+ 10/next year. In addition, a few banks allow customers to float according to the loan date, that is, when the benchmark interest rate of the People's Bank of China is adjusted, the loan interest rate will be adjusted every 65,438+0 years. Generally speaking, the longer the interest rate is adjusted, the better it will be for borrowers.

3. Expenses incurred in handling loans When handling commercial loans, there are generally fees such as notarization fees for loan contracts, insurance premiums, mortgage registration fees, loan contract fees, and evaluation fees. The total amount may reach several thousand yuan, which the borrower can't ignore. At present, some banks are partially or completely exempted from the above fees, which is why borrowers should choose after comparison.

4. Loan cost At present, the loan interest rates of all banks are similar. In the same loan period, the loan cost is mainly reflected in the bank's regulations on early repayment of loans and adjustment of repayment plans. Therefore, it is suggested that the borrower choose a bank with no liquidated damages, low repayment starting point and adjustable repayment plan.