The house has been transferred. What if the bank doesn't lend money?
1. First of all, don't worry after this situation. It's time to ask the bank why it doesn't lend.
2. There is a process for banks to approve loans. Under normal circumstances, if the buyer and seller reach the transfer step, it means that the personal credit of the buyer has been recognized by the bank, and the bank agrees to give him a loan. After the account is closed, the bank will sign a loan contract and a mortgage contract with the buyer.
3. The bank is short of funds.
Every bank's mortgage amount is limited, especially by the end of the year, the amount of bank mortgage funds will be even more tense, because many banks will basically use up the mortgage amount of the year in the first half of the year. If this happens, the bank will delay lending. When funds are tight, it is possible to delay lending for half a year or even longer.
If the bank can't lend money in time because of lack of funds, you don't have to worry too much about this situation. You just need to wait for a while, and then the money can be received normally. If the bank has been refusing to lend under various excuses, you can talk to individual bank staff appropriately and give them some benefits. Maybe we can get a loan soon.
How to buy the house after the transfer?
Kanlou 1
First of all, buyers should go to the scene to see the house, focusing on whether the house has pre-sale qualifications. In the process of checking whether the real estate has the pre-sale qualification, the key point is to check the pre-sale certificate of commercial housing, such as whether the real estate is publicly subscribed internally without the pre-sale certificate, whether the pre-sale certificate is hung in a conspicuous place in the sales department, and whether the pre-sale certificate has expired. In terms of housing quality, it is suggested to go to the site to check whether there are problems such as wall cracking, water leakage, water seepage, cutting corners and pipeline leakage.
Secondly, property buyers should check the qualifications of developers on the Internet to see whether the purchased houses are mortgaged or sealed up. If the house you buy is sold by a real estate agency, you should know whether the company has the qualification of real estate agency.
Step 2 buy a house
First of all, property buyers should seriously sign the subscription book. Subscription book is an appointment contract for the sale of commercial housing, and it is an independent contract. Signing a subscription book often leads to a series of disputes, which is embodied in the fact that buyers want to recover the deposit, but developers may not necessarily return it. Therefore, in order to avoid too much trouble, property buyers can ask the developer to look at the sample of the formal contract before signing the subscription book to avoid being stuck.
Secondly, buyers should see whether the subscription book can guarantee fairness. The contents of the subscription book generally include: the basic situation of both parties; The basic situation of the house (including the location and area of the house); Price calculation; Time limit for signing the contract. Everyone should see clearly whether the content violates the principle of equality and fairness.
I know the house has been transferred. What if the bank doesn't lend money? How to buy the house after the transfer? You must find out the reason why the bank won't lend. Sometimes banks don't lend because they don't lend. It's not without reason, so don't worry when you first meet it. You must calm down and think about why. After the transfer, housing transactions generally have no impact. It is as difficult as before to follow the basic steps.