1. The personal debt ratio is too high, and the bank is worried about the unstable economic life and insufficient repayment ability: try to repay the debts under its name (if it is able, it is best to pay them off once, and if it cannot be paid off for a while, it will try to pay more), and apply again after reducing the debts.
2. Engaged in high-risk occupations, such as miners, demolition workers, construction workers, etc., because of the high risk of the job itself, considering the loan risk, the bank refuses to grant loans: it is suggested to find someone with good credit standing or a professional guarantee company to provide guarantees for their own mortgages, which can increase the chances of loan approval. In addition, you can choose to add down payment and reduce the loan amount, and the mortgage will be better approved.
3. The house is not compliant, for example, the real estate developer has incomplete documents and is not qualified to sell houses; Or it is a provident fund loan, but it is a commercial house: if the developer has problems, he can only return the house and refund the down payment. The provident fund can only be used for residential houses, and you can choose to apply for commercial loans.
Remedial methods for failing to get a house loan
1. Remedial loans. If you can't get a loan, you should first communicate with the bank clerk to understand the reason why your loan can't be approved. 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.
2. change banks. Generally speaking, eggs should not be put in the same basket. The same is true for applying for a mortgage. If the bank is slow to reply, you might as well change banks. Different banks have different regulations and audits on loan conditions. Maybe the same conditions have passed in other banks!
3. Find a guarantee company. If it is because the qualifications of property buyers are not very good, resulting in loans can not be done, but especially want to buy this house, you can find a guarantee company 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.
4. Return the down payment. I believe everyone is very concerned about whether the down payment can be refunded if the loan can't come down. Some friends want to refund the down payment directly, so they can only negotiate with the owner, mainly in the hope that the contract can be terminated, so as not to breach the contract and assume any responsibilities and compensation. If the last family doesn't want to, just agree on the compensation slightly, depending on how you negotiate.