The reasons why the bank refused to approve the loan after the online signing include: major risk points were found in the loan review, mortgage, pledge and guarantee were not successfully handled, and the loan conditions were not met; The credit policy has changed, the national policy has changed, for example, the mortgage has been tightened, the credit environment has changed, the national policy has been adjusted, for example, the loan ratio of small and micro enterprises has increased, and the regional financial environment has changed. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation. Second, the risk of microfinance review The risk of a loan often begins at the loan review stage. Comprehensive judicial practice shows that the risks in the loan review stage mainly appear in the following links. 1. The content of the review omits the loan examiner of the bank, which leads to credit risk. Loan review is a meticulous work, which requires investigators to systematically investigate and inspect the qualifications, qualifications, credit and property status of loan subjects. 2. In practice, some commercial banks do not have due diligence, and loan examiners often only pay attention to the identification of documents, lacking due diligence, so it is difficult to identify fraud in loans and it is easy to cause credit risks. 3. Many wrong judgments are caused by banks not listening to experts' opinions or professional judgments of professionals. In the process of loan review, we should not only find out the facts, but also make professional judgments on relevant facts from legal and financial aspects. In practice, most loan review processes are not very strict and in place. Iii. Legal content of pre-loan investigation 1. Review the legal status of the borrower's legal establishment and continuous and effective existence. If it is an enterprise, it shall examine whether the borrower is legally established and whether it has the qualifications and qualifications to engage in related businesses, and check the business license and qualification certificate. Pay attention to whether the relevant certificates have passed the annual inspection or related verification. 2. Regarding the credit status of the borrower, check whether the registered capital of the borrower is consistent with the loan; Review whether there is a clear situation in registered capital flight; Past loans and repayments; And whether the borrower's product quality, environmental protection, tax payment and other illegal conditions may affect the repayment. 3. Regarding the borrower's loan conditions, whether the borrower has opened basic account and general deposit accounts in accordance with relevant laws and regulations; Whether the foreign investment of the borrower (such as a company) exceeds 50% of its net assets; Whether the borrower's debt ratio meets the requirements of the lender; 4. Regarding the guarantee, if it is a guarantee, the qualification, reputation and performance ability of the guarantor should be examined.
Second, the loan can't be done after the house subnet is signed, and the developer doesn't give it back. What will happen if we keep procrastinating?
After signing the house online, the loan can't come down. Generally, the agreement in the purchase contract will prevail. If you continue to buy a house, you need to make up the remaining house price within the specified time. If you stop buying after checking out, you need to analyze the specific reasons:
The developer did not submit the loan materials in time. When buying a new house, it is inevitable that the loan materials will not be submitted in time due to the large number of buyers. Or the developer sells the house without a pre-sale permit. In both cases, the loan is not permanent because of the developer. The buyer also has the right to terminate the contract and demand the developer to bear the liquidated damages and refund the deposit and down payment.
One of the reasons why the mortgage can't be done is the buyers' own problems, such as the wrong materials submitted, the incomplete materials submitted, the false information provided, which leads to the bank's failure to approve the loan, and several people's poor credit reporting. If it is a bad personal credit record caused by malice, the bank that can negotiate with the bank can approve the loan.
According to the regulations, the online contract must be downloaded and printed by the developer from the website, signed and sealed by both parties, and sent to the Housing Authority for pre-sale. Only in this way can a complete signing be truly completed. Therefore, if the developer does not comply with the regulations and the negotiation between the two parties fails, they can seek mediation from the housing management office or go directly to.
The content of the online purchase contract is the same as that of the Commercial Housing Sales Contract formulated by the Ministry of Housing and Urban-Rural Development. Once the online signing is successful, neither party can change the contents of the contract. If there are any terms, they can only be changed through the corresponding application and approval of the Housing Authority, further ensuring the purchase.
Extended data:
When signing a contract online, you need to
First of all, we must examine whether the developer has a pre-sale permit for commercial housing. There are pre-sale permits, generally developers, planning permits, construction permits and so on. This is the key to buying a house.
Second, we must use the text of the real estate management department and fill in the terms listed in the text item by item. Never.
Third, we should pay attention to whether the rights and obligations in the contract terms are equivalent.
Fourthly, the area with difference between area confirmation and area confirmation is based on area confirmation, and the area method is specified in the "area difference treatment" clause.
Fifth, we must make sure whether the delivery date is determined. Delays in delivery due to lack of funds are common. Developers often make a fuss about pre-sale contracts, such as the date of use; Use "after water and electricity installation, after quality acceptance, little vague language."
In this regard, when signing a contract, buyers must indicate "a certain year, a certain month, a certain day" and indicate the responsibilities that need to be borne by buying a house.
In addition, if you think that your interests cannot be guaranteed in the contract, and the developer has done it, the buyer has the right to re-select the developer and the property.