1. If the house loan fails, the customer can choose to return a house and repay. However, it should be noted that if the mortgage fails because of its own credit problems, then returning a house is a breach of contract. I'm afraid real estate developers will not refund the down payment in full, but will deduct a part as liquidated damages.

2. Of course, customers can also check the reasons for mortgage failure first. If there is still a chance to remedy it, there is no need to check out directly. For example, if the information provided is incomplete or incorrect, the customer can supplement and improve the accurate information and reapply; You can also apply for another bank directly. If the running water is insufficient and the loan amount is not too much, you can also choose to increase the down payment and reduce the loan amount.

3. If the mortgage is finally successful, the customer can naturally hand over the house with the real estate developer after receiving the remaining house payment, and then as long as the loan is repaid on time, the house can truly belong to the customer.

4. Once a bad credit record is generated, the borrower need not be too pessimistic, and some situations can be remedied: if the bad record is not caused by himself, the individual can negotiate with the bank that generated the bad record; If it is caused by a bank or a third party, the borrower can negotiate. If negotiation fails, he can continue to appeal to the Credit Information Center of the People's Bank of China. In addition, you can try different banks, each bank has different credit scoring standards, and some banks will be relatively relaxed. Generally speaking, as long as the credit record is not very bad, you can get loans.

5. If the customer goes to mortgage to buy a house, if the loan can't be done, it is suggested to find out the reasons for the rejection of the mortgage first, then find out the reasons and take corresponding solutions. Customers can call the bank directly.

6. If it is found that the information provided by the customer is wrong or the information such as income certificate is not fully prepared, the customer can supplement and improve the information and reapply. Of course, customers can choose to change to another bank, or they can choose to increase the down payment to reduce the loan amount.

What if the house pays the down payment but the bank loan is not approved?

The first measure: remedial loans

You can talk to the bank staff and find out the reason for the delay in your loan. 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.

The fourth measure: check out

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 buyers can't handle the loan smoothly because of policies and other reasons, they can negotiate with the developers 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.

Extended data

No one wants a loan that can't be approved, so make the following preparations before buying a house.

1, check the credit first. Under normal circumstances, before signing a contract to buy a house, the developer will ask you to check the credit information first and make sure there is no problem before you can carry out the follow-up work.

When signing the contract, you must pay attention. If the loan is not approved, we must see clearly whether the buyers need to bear the liability for breach of contract and whether they can negotiate with the developers not to bear the responsibility.

3. Learn more about policies. Before buying a house, you should know more about whether banks can still lend, especially in hot cities, where policies are tightening and the loan quotas of some banks are very tight, so you must know more before buying a house.