No matter whether the current house price is rising or falling, the enthusiasm for just buying a house is always so high. However, tens of millions of housing prices have become a "roadblock" on their way to buy a house, so loans to buy a house have become a major way. Among them, property buyers will inevitably encounter the experience of "paying the down payment and not approving the loan". This situation not only bothers property buyers, but also may involve the issue of liquidated damages. What should property buyers do once they face such problems?

The first measure: remedial loans

First of all, you can talk to the bank staff to find out why your loan is delayed. If the problem lies in the buyer's own credit, running water and liabilities, it is suggested to increase the down payment and reduce the loan application amount, and then apply for a loan from the bank after the information is fully prepared.

The second measure: change banks.

Different banks have different regulations and audits on loan conditions, so if the buyers apply for the first bank but don't give it back, they might as well change banks.

The third measure: find a guarantee company.

Of course, there are indeed some buyers with poor qualifications, but they especially want to buy this house. At this time, they can ask the guarantee company for a loan. It should be noted that the cost involved will be higher than that of direct bank loans. Because the guarantee company not only needs the borrower to pay the handling fee, but also needs to pay the guarantee fee, interest fee and other expenses.

If you have tried all the above three measures and the mortgage still doesn't come down, you can only consult the developer to return a house. What needs to be clear is that you can return a house if the mortgage loan cannot be handled, but you should investigate the different responsibilities of the buyer and the seller according to the reasons.

Case 1: It is the developer's reason that the mortgage can't be done.

If the bank does not approve the loan because the developer has not obtained the pre-sale permit or sold the existing house that does not have the conditions for use, the buyer can completely ask the developer to refund the down payment and deposit, and ask the developer to pay the corresponding interest loss.

Case 2: The buyer's information is incomplete or the credit history is not good.

If the bank refuses to grant loans because of the problem of property buyers, it can return a house, but it will also bear the responsibility for breach of contract. Generally speaking, the amount of liquidated damages will be indicated in the purchase contract, so don't be afraid of the developer's opening.

Situation 3: Loans cannot be issued due to changes in policies or bank regulations.

If the property buyers can't handle the loan smoothly due to policy reasons, they can negotiate with the developer to return the house unconditionally and get back their down payment. If developers don't cooperate, buyers can come and prove that they are not at fault.

Second, the down payment for buying a house has been paid, and the bank loan has not come down. What should I do?

First of all, answer directly.

If you pay the down payment for buying a house with a loan, but the loan hasn't come down yet, it is recommended to contact the bank first to find out the reasons for rejection and see if you can solve the problem. If it can be solved, take corresponding measures and apply after processing.

Second, the specific analysis

If you can't answer the question, you can only choose to check out and refund the down payment.

For example.

1. The information provided is incomplete: supplement and improve the information.

2. Insufficient bank flow: increase down payment and reduce loan amount; Or find a spouse and parents to apply together and provide running water for each other.

3. Personal debt ratio is too high: pay off your debts as soon as possible. If it is not clear at the moment, try to pay back the money first, and then try to find someone with good credit to provide guarantee for yourself.

4. Bad credit: suspend the application, cultivate credit first and accumulate good records.

5. Bank lending funds are tight: change to a bank with sufficient quota.

6. The real estate developer has incomplete documents and is not qualified to sell the house: give up the real estate, cancel the contract with the real estate developer and get back the payment.

Online loan big data can reflect the real situation of online loans. If there are too many loans, it is recommended to know your credit data well. Search: A quick search by Bejian can generate a big data report. Although there are differences between the two, in order to avoid personal inability to repay bad debts, bank loans will also pay attention to the credit situation of big data. Bad credit will affect many rights.

3. What are the necessary conditions for buying a house and enjoying a provident fund loan?

The necessary conditions for buying a house to enjoy provident fund loans mainly include the following points.

1. The housing provident fund shall be paid in full and on time in the local area for 6 months or more (the housing provident fund swap in some cities supports the loan business of housing provident fund in different places, and other cities can also pay the housing provident fund).

2. The housing provident fund account in the month of application is in a normal deposit state (if the housing provident fund account is sealed, the housing provident fund loan cannot be handled temporarily).

3. No provident fund loan has been handled or the loan has been settled (if you have applied for a provident fund loan, you need to pay off the loan before you can apply for a new provident fund loan; Those who have applied for provident fund loans twice, regardless of whether the loans are settled or not, can not apply for new provident fund loans.

3. The down payment is paid, and the provident fund loan can't be done. Can the down payment be refunded?

Refund can be negotiated, and the reason why the bank does not approve the loan does not belong to the owner or the developer. After paying the down payment for buying a house, the mortgage has not come down, which can be divided into the following situations:

If the failure to conclude the mortgage loan contract is caused by the developer, such as the developer's incomplete procedures or the bank thinks that the developer lacks the guarantee ability, and the buyer can't continue to perform the contract because he can't handle the mortgage, the buyer can not bear any responsibility, and can even ask the developer to bear the responsibility.

If the loan cannot be handled due to reasons not attributable to both the developer and the buyer, the buyer may also request to cancel the contract and refund the down payment for the house purchase. The reasons that can't be blamed on both sides are mainly policy factors, such as the adjustment of national loan policy, the regulation of real estate market, and the limitation of bank loan scale. If this happens, buyers can also request to return a house and refund the down payment.

If it is because of the buyers' own reasons, such as the incomplete information provided by the buyers, or the lack of repayment ability of the buyers, the bank thinks that the buyers do not meet the loan conditions and will not issue loans, resulting in the inability to conclude a loan contract. If the buyer requests to cancel the concluded sales contract, it will generally not support it. If this happens, buyers should renegotiate the payment with the developer or pay the house payment directly to the developer. If you can't pay the house price, the developer can charge the buyer for breach of contract according to the contract.

Article 23 of the Interpretation on Several Issues Concerning the Application of Laws in Handling Commercial Housing Sales Contract Cases stipulates that if the buyer pays by secured loan, and one party fails to conclude a secured loan contract for commercial housing, the other party may request to terminate the contract and compensate for the losses. If the commercial housing secured loan contract cannot be concluded due to reasons not attributable to both parties, and the commercial housing sales contract cannot be continued, the parties may request to terminate the contract, and the seller shall return the principal, interest or deposit of the purchased house price to the buyer.

Fourth, now that the down payment for buying a house has been paid by the bank loan, can I hand over the house for decoration first? Will there be any sequelae?

Under normal circumstances, it is possible. In addition, according to the property management regulations, it is clear which facilities belong to the public, and the parts that cannot be demolished should not be demolished. Before the renovation, the decoration deposit should be paid normally, otherwise it will be installed.