First, actively negotiate with banks that handle loans and credit cards (if banks refuse to solve the problem, they can bring a lawsuit to the people's court and ask them to bear the corresponding legal responsibilities caused by "lax review").

Two, we should pay attention to the collection of evidence, in view of the various contracts and evidence of fake loans are not signed by myself, you can apply for legal appraisal.

Third, don't listen to the rumor that any intermediary can "whitewash" credit records, and choose formal legal procedures to solve the problem.

What problems should I pay attention to when handling mortgage loans?

1. Before deciding to sign the contract, buyers should know the cooperative bank designated by the developer and ask whether it meets the conditions for handling the loan, so as to avoid the difficulty of returning the house because the loan cannot be approved after signing the contract blindly.

2. The house purchase contract should only stipulate the down payment time and loan payment balance, and try not to stipulate the loan arrival time (the loan is transferred from the mortgage bank to the developer's account), otherwise the buyer may be liable for breach of contract for reasons other than his own.

3. Buyers should be wary of deferred loans. If the reasons such as bad credit or proof of income are excluded, it is often the developer's problem, so it is necessary to contact the developer or inquire with the bank or provident fund management center in time to find out the real reason why the loan cannot be done.

4. If it is determined that the loan cannot be obtained due to the developer's reasons, the buyer shall claim the right to return the house. If negotiation fails, a lawsuit should be brought in time. If the developer solves the loan problem before the prosecution, and the loan is successfully completed, that is, the buyer and the seller can continue to perform the purchase contract, then the buyer will not be able to get the court's support for suing for returning the house.

How to choose the repayment method when buying a house with a loan?

Although banks have launched different kinds of loan products, so far, the most commonly used repayment methods of mortgage borrowers are limited to "equal principal and interest" and "equal principal and interest".

The repayment method of equal repayment is adopted, and the repayment amount is unchanged (except for adjusting the interest rate), which is convenient for repayment, but more interest should be paid; Equal principal repayment, the monthly repayment amount is gradually decreasing.

In terms of these two ways, perhaps the mortgage lender has become accustomed to using "equal principal and interest" to repay. The "even-cost" repayment method is more suitable for mortgage borrowers to use in the market environment with diversified financial policies. Although the borrower will feel that the monthly payment burden is heavier at the beginning of repayment, with the increase of repayment principal, the interest expense will be relatively reduced, and finally the repayment pressure will be reduced a lot.