You should find another bank, preferably a smaller one, and withdraw the money as soon as possible. If you are responsible, no one else is responsible. They are only responsible for collecting money. The reason is that you have to pay kfs to buy a house, and you have to consider it yourself. So you have to go to the bank. The bank can do whatever it wants without taking any responsibility. You know the reason. So you must find a bank that is willing to provide you with a loan as soon as possible. The current policy of the state leads banks to be afraid to lend, which ultimately benefits. . . . . . You know that.

Very good. You can try.

sudhwdiozv 386088306620 1 1- 10-26 14:38:42

Second, the approval of the house purchase loan was successful. Does anyone know what to do next?

After the loan is approved, wait for the bank to go to the Land and Resources Bureau to pre-register the mortgage of the house, then wait for the pre-registration certificate to come down, go to the bank to sign it, and wait for the telephone notice of the bank loan. People are most concerned about the conditions and procedures of mortgage loans. First of all, the information needed to apply for a mortgage loan is:

1.3. Original and photocopy of the ID card and household registration book of the applicant and spouse (if the applicant and spouse are not registered in the same household, a marriage certificate shall be attached).

2. The original purchase agreement.

3. 1 Original and photocopy of advance payment receipt for 30% or more of the house price.

4. Proof of the applicant's family income and related assets, including payroll, personal income tax bill, income certificate issued by the unit, bank deposit certificate, etc.

5. The developer's collection account number is 1 copy.

3. What procedures do I need to go through after getting a house loan?

After the house loan comes down, you still need: 1. After the loan, the borrower needs to ensure that the loan contract is received before the monthly repayment. After the general loan is over, the bank will mail the corresponding loan contract and repayment book to the borrower, so be sure to check it; 2. After the loan, the borrower needs to get all invoices from the real estate developer; 3. After the mortgage registration of the real estate is completed in the bank, the borrower should remember to go to the bank to retrieve the original real estate license; 4. The borrower shall repay the loan on time every month and keep the credit record. What are the loan terms? 1, legal status; 2, a stable economic income, good credit, the ability to repay the loan principal and interest; 3. There are legal and effective purchase and overhaul contracts and agreements and other supporting documents required by the loan bank; 4. Ensure that the self-raised funds of more than 20% of the total price of the purchased house are used to pay the down payment of the purchased house; 5. Having assets mortgaged or pledged by the loan bank, or having legal persons, other economic organizations or natural persons with sufficient compensation capacity as guarantors; 6. Other conditions stipulated by the lending bank. Legal basis: Article 22 of the General Principles of Loans: Lenders have the right to independently examine and decide loans according to loan conditions and procedures, and have the right to refuse any unit or individual to force them to issue loans or provide guarantees, except for specific loans approved by the State Council. (1) Requiring the borrower to provide information related to the loan; (two) according to the borrower's conditions, decide whether to loan, loan amount, term and interest rate; (3) Understand the production and business activities and financial activities of the borrower; (4) Transfer the loan principal and interest from the borrower's account as agreed in this Contract; (5) If the borrower fails to perform the obligations stipulated in the loan contract, the lender has the right to require the borrower to repay the loan in advance or stop paying the unused loan in accordance with the contract; (six) when the loan will suffer or has suffered losses, measures can be taken to prevent loan losses according to the provisions of the contract.

Fourth, is it easy to get a house loan?

Buying a house loan is generally easy to handle. The key is to look at personal qualifications. Here are some suggestions on mortgage, hoping to help:

Pay attention to the family's financial affordability. It is recommended that one husband and wife bear the mortgage and the other bear the economic expenses. This is the best and the quality is too high. Loans are divided into three types: pure provident fund, pure commercial loans and portfolio loans;

If conditions permit, it is best to choose a pure provident fund loan. The interest rate is very low, and the repayment can be deducted directly from the provident fund, which is relatively high. Apply for a loan amount according to your monthly repayment amount, and the house needs to have a fixed term. Some old second-hand houses are not allowed to lend. Commercial loan terms are relatively wide. The choice of bank loans depends on the powerful big banks;

There are many repayment methods, such as the longest loan period of 30 years, and the second-hand housing loan period is calculated according to the construction time. If it is less, ask the bank clearly;

One thing to pay attention to when buying a house with a loan is how long it takes for the bank to approve the loan amount applied for. People who are eager to buy a house had better ask the bank. If they have a year's provident fund in the bank, they can take out another sum to reduce the pressure and burden on their families, and the funds can be turned around, so that they can have more surplus funds at hand and invest them in other places. If you use the housing provident fund, the interest will be quite small.