1. Try another bank: If the bank loan cannot be approved, try another bank. Different banks have different quotas, and the process of review may be different. This won't work. Maybe it can be passed at another bank. In addition, ask the developer for help. After all, if the final payment is not made, the developer is estimated to be in a hurry;
2. Find a way to make up the loan: first confirm with the bank why the loan cannot be approved. If it's my credit or running water, ask me if I can make up the running water again. Some banks may also offer to buy some wealth management products to increase their credit.
3. Find a guarantee company: If you really want this house and you can't make up the rest of the loan, you can try to find some reliable guarantee companies.
Extended data:
way
There are three ways of housing loans, namely, bank commercial loans, provident fund loans and portfolio loans.
Guarantee fee
In order to avoid mortgage risks, general banks need borrowers to provide guarantee certificates from legal persons, other economic organizations or natural persons with sufficient compensation capacity. If you can find friends or relatives who are willing to provide guarantees and have financial strength, you can issue written documents and credit certificates for the bank.
If not, you need to go to a professional guarantee company to provide guarantee. The fee paid at this time is the mortgage guarantee fee.
Application material
1. The borrower's valid ID card and household registration book;
2. Proof of marital status, unmarried persons need to provide proof of unmarried, and divorced persons need to issue a court civil mediation or divorce certificate (indicating that they have not remarried after divorce);
3. If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate;
4. The borrower's income certificate (salary income certificate or tax payment certificate for half a year);
5. Real estate title certificate;
6. Guarantor (ID card, household registration book, marriage certificate, etc. Is required)
Policy development
1988 after the first housing system reform conference was held, 199 1 housing credit business started and various housing credit policies were introduced.
199 1 China Construction Bank and China Industrial and Commercial Bank set up a real estate credit department to handle personal housing credit business, and formulated the Measures for the Administration of Housing Mortgage Loans for Employees. Due to the slow progress of housing system reform and the real estate boom in 1992, 1993 began to control.
In August, the People's Bank of China promulgated the Interim Measures for the Administration of Self-operated Housing Loans of Commercial Banks, 1995, which marked that the commercial housing loans of China Bank were on the right track.
However, the conditions at that time were still relatively strict. First, it is required to provide double guarantees, that is, mortgage guarantee and guarantee guarantee. Second, the longest term is 65,438+00 years. Third, the borrower is required to pay a deposit in advance, the deposit amount is not less than 30% of the house price, and the deposit period must be more than half a year.
From 65438 to 0997, the People's Bank of China promulgated the Measures for the Administration of Personal Guaranteed Housing Loans, which revised the original Interim Measures, mainly in the following aspects:
First of all, it doesn't need a double guarantee.
Second, the deposit period is not clearly defined.
Third, the interest rate policy clearly stipulates that the interest rate of fixed assets loans will be reduced in the same period.
If the term is 5 years, the 3-year fixed asset loan interest rate will be implemented; If the term is more than 5 years to 65,438+00 years, the 5-year fixed asset loan interest rate will be implemented; If the term is more than 10 years, it will rise appropriately on the basis of the 5-year fixed asset loan interest rate, with the maximum not exceeding 5%.
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