It is easy to buy a house with a loan, but it must meet the requirements of the bank and provide qualified application materials.

First, the information needed when buying a house loan:

According to the difference between first-hand houses and second-hand houses, the details are as follows:

1, first-hand housing mortgage loan

If you buy a newly developed new house, you need to use the newly bought property as collateral and apply for a mortgage loan for the lender yourself.

Loan procedures need: identity certificate, household registration book, marriage certificate, house ownership certificate (sales contract), land certificate (or copy), certificate of no house, certificate of unit income, guarantee certificate of guarantee company, etc.

2. Second-hand housing mortgage loan

If you buy a second-hand house, you need to mortgage the property you just bought and apply for a mortgage loan from the lender.

Loan procedures need: identity certificates of the buyer and seller, household registration book, marriage certificate, house ownership certificate, land certificate (or copy), sales contract, deed tax ticket, appraisal report, income certificate of the buyer's husband and wife, proof of no house, etc.

Second, the housing loan requirements:

This needs to be determined according to personal qualifications. Buy a first-hand housing loan or a second-hand housing loan, a commercial loan or a provident fund loan? The loan amount for first-hand houses is 70% of the property value, and that for second-hand houses is about 50%. In other words, the first-hand housing loan down payment needs at least 30%, the second-hand housing down payment needs more than 50%, and some banks need about 60%. The interest rate of commercial loans to buy a house is 6.9% for less than five years and 7.05% for more than five years. The interest rate of housing provident fund loans for more than five years is 4.9%.

Third, the housing loan problem:

There are many reasons why the mortgage can't be done, so in practice, different situations have different treatments. In the trial of a contract, the agreement in the contract will generally be given priority. Therefore, it is an important basis to stipulate in the contract who will bear the liability for breach of contract if the loan is not approved. If there is no agreement or the agreement is unclear, it should be handled according to the following principles:

1. developer's reason: if the developer sells a house that is not qualified for sale, that is, if the developer fails to obtain a pre-sale permit or sells an existing house that is not qualified for use, the bank will not grant the loan when reviewing this situation. At this point, the buyer can ask the developer to refund the down payment and deposit, and ask the developer to pay the corresponding interest loss.

2. Reasons for the buyer: If the information provided by the buyer is untrue or the buyer's credit record is bad, the bank will not approve the loan, and the buyer will be liable for breach of contract.

3. Non-seller's reasons: If the government policies or bank regulations change and the loan that the buyer should get cannot be realized, the buyer should negotiate with the developer. If negotiation fails, there is no agreement in the contract. Property buyers can prove that they are not at fault and are really unable to buy a house, and ask the developer to repay the down payment and deposit.

Therefore, it is easy to get housing loans. The key is that you should prepare complete information and understand the legal knowledge contained in it. Familiar with the process of housing loan, handle it freely.

What if I can't buy a house with a loan?

First of all, answer directly.

If you can't get a house loan, I suggest the following.

Second, the specific analysis

1. Call the service hotline of the handling bank, contact the customer service staff through the manual service channel to find out the reasons for the rejection of the mortgage, or you can directly bring your personal ID card to the offline business outlets of the handling bank to ask the staff for advice.

2. After finding out the reasons for the rejection of the mortgage, if the problem is not difficult to solve, you can take corresponding measures to deal with the problem, and then try to apply for a mortgage, which may be successful; If you can't answer the question, you can only choose to check out.

If you want to query the online loan data report, you can find it in: Beijian Quick Check, and you can view the user's application times, online loan data, online black index score, hit risk warning, information, arbitration case information, untrustworthy information and other data. And the queried data is very accurate and comprehensive.

Third, what is the reason why the mortgage can't be done?

There are many reasons why the mortgage cannot be done.

1, personal credit difference and bad information are recorded in the credit report.

2. Due to frequent borrowing and excessive borrowing, there is a situation of long-term borrowing, and the credit information has been "spent", and the personal debt ratio is quite high.

3. The information provided is incomplete or incorrect, which is inconsistent with the real situation.

4. The tap water provided by banks is insufficient (banks generally require the monthly income of tap water to reach more than twice the monthly mortgage repayment).

5. Bank lending funds are tight.

6, real estate developers have problems, such as incomplete documents, do not have the qualification to sell houses and so on.

What if the mortgage is not approved?

First of all, answer directly.

If the mortgage approval fails, you can try the following methods.

Second, the specific analysis

1, apply for a mortgage at another bank.

If you feel that your qualifications are not too bad, it is because the credit line of the original loan bank is tight and the mortgage approval has not passed. You can try to apply for a mortgage from another bank. As long as your qualifications meet the requirements of the bank, there is no problem in doing so.

Here you need to confirm that your qualifications are excellent. If it is because of your qualifications, even if you change the loan bank, it will still lead to the failure of mortgage approval.

2. Increase the down payment ratio.

If it's because your income doesn't meet the requirements of the bank, then you can increase the down payment ratio, so you can apply for less mortgage and reduce the monthly payment. After the monthly supply is reduced, the bank's requirements for income flow will naturally decrease.

3. Buy a house with a lower total price.

If the income is not enough, increasing the down payment ratio will increase the expenditure, so the economic ability may not necessarily support increasing the down payment. You can try to buy a house with a lower total price, so that the bank loan amount can be reduced and the bank's requirements for its own income can be reduced on the premise that the original down payment remains unchanged.

4. Change the main lender of mortgage loan.

When both husband and wife buy a house and apply for a mortgage, the bank will check the credit information of both husband and wife. If one of the parties has a credit problem and is the main lender, it will have a great impact on the approval of the mortgage. In this case, both husband and wife can discuss the replacement of another credit information to better apply for a mortgage as the main lender and improve the mortgage pass rate.

5. Improve your qualifications.

You can improve your comprehensive qualifications by increasing your income and reducing the debt ratio, so that your conditions can meet the requirements of bank mortgage, and then go to the bank to apply for mortgage after your qualifications become more excellent.

6. Restructure loan information.

If the mortgage loan is not approved due to problems with the loan information, it is necessary to ensure the accuracy of the loan information, and correct or supplement the wrong or omitted loan information according to the requirements of the bank. In addition, make sure that the loan information you provide is not false.

7. Change the developer.

Sometimes it is not the reason why the mortgage failed when buying a house. If the documents and qualifications of the corresponding developers are not complete, it will also lead to the failure of the bank to pass the examination and approval. For example, the property has not obtained the pre-sale certificate or the risk of the developer is too high. Due to compliance requirements, banks will not lend money for these projects with incomplete documents.

In this case, you can find some houses launched by big developers with excellent qualifications and complete documents, which is not only conducive to loan approval, but also can avoid the risk of handing over houses as much as possible.

8. Find a third party to guarantee yourself.

If the qualification makes the bank worry, you can contact the bank to consult whether you can find some third parties with better qualifications to guarantee loans for yourself. The higher the income of the guarantor, the more stable the job, and the greater the possibility of bank consent.

9. choose to buy a house in full.

If the mortgage approval is really unsuccessful, you can choose to buy a house in full under the premise of economic conditions. Of course, this requires your own financial ability.

It can be seen that there are many reasons for the failure of mortgage approval, and different reasons also have different solutions. In order to avoid the trouble caused by mortgage failure, you should consult in advance before applying for mortgage.

If you are not clear about your debt and online loan data, you can get an online loan big data report from Beijian Express, which contains detailed online loan application records, overdue details, blacklists and other data.

Third, is it automatic to deduct the housing provident fund to offset the loan repayment?

Hedging repayment of provident fund is automatic deduction. As long as the balance of the provident fund account is sufficient and the hedging repayment agreement is handled, the provident fund center will automatically deduct the current bill before the repayment date expires, without taking the initiative to operate.

You can use the provident fund to repay the mortgage principal and interest, but when applying for hedging repayment, you need to meet the following conditions and meet the requirements of the provident fund center.

1, good credit.

2. The balance of the provident fund account is sufficient.

3. The status of the provident fund account is normal.

4. The provident fund has been continuously deposited 12 months.

5. Signed a hedging repayment agreement.

After signing the hedging loan repayment, it doesn't mean you don't have to worry. If the monthly deposit amount of the provident fund is lower than the monthly repayment amount, this situation will lead to less and less balance of the provident fund account, so you need to pay attention to the balance of the provident fund account at any time. If it is found that the balance is not enough to repay the current mortgage, it is necessary to make up the insufficient part in time and try to avoid overdue.

What should I do if the mortgage has been unable to come down?

Now the house price is so expensive that most buyers can't pay it in one lump sum, so they will choose to borrow money from the bank to buy a house. However, it is not easy to apply for a mortgage, and the procedures for approving a mortgage are very strict. Some friends have encountered difficulties in applying for a mortgage, that is, they have never applied for a mortgage. Then, what should I do if the mortgage has not come down? What shall we do? Come and study at once.

I. Remedial loans

If you can't get the loan, talk to the bank first to see why you can't get the loan. If the problem lies in the personal income or running water of buyers, it is suggested to increase personal income. The situation of bank lending is closely related to the income of borrowers. General monthly income should not be less than twice the monthly payment. At the same time, borrowers need to pay attention to the fact that it usually takes more than 6 months for banks to run smoothly. Or consider raising the down payment and reducing the loan application amount, and then apply for a loan from the bank after the information is fully prepared.

Second, change banks.

If the bank applying for the loan is slow, it may be better to change banks. Because each bank has different regulations and audits on loan conditions, maybe the same conditions will be applied in other banks!

Step 3 find a guarantee company

There is a problem with the credit information of buyers, which will also lead to loan failure. If you really want to buy this house, you can ask the guarantee company for a loan. But the interest of guarantee companies is higher than that of bank loans. Because the guarantee company not only needs the borrower to pay the handling fee, but also needs to pay the guarantee fee, interest fee and other expenses.

Step 4 refund the down payment

If all the above methods have been tried and the loan is still not available, it involves the question of whether the down payment can be refunded. Discuss with the seller or developer to see if you can cancel the contract. Generally speaking, if the buyer breaches the contract for his own reasons, he needs to pay some compensation, depending on how you negotiated before.

Conclusion: The relevant knowledge about mortgage is introduced here for everyone, hoping to help everyone. Finally, I warmly remind all my friends that we must maintain good credit information in our daily consumption. A big basis for banks to judge whether borrowers can repay on time is to look at the quality of personal credit information. If the borrower has good credit, the bank is likely to lend quickly and give a certain discount rate.

What if I can't get a house loan?

Many times, due to the tightening of mortgages, buyers have been unable to approve loans after buying a house. Or because the personal bank credit record is bad, and the personal economic situation is not good, the mortgage cannot be approved. It can be said that the failure to approve the mortgage is a very headache, and many buyers have already paid the down payment and down payment. So, what if the loan can't buy a house? Let's take a look with Bian Xiao.

1. What if I can't get a house loan?

1. There are many reasons why the mortgage can't be done, so in actual operation, different situations have different treatment methods. In the trial of a contract, the agreement in the contract will generally be given priority. So in the contract, the most important basis is who will bear the liability for breach of contract if the loan is not approved.

2, if there is no agreement in the contract, or the agreement is not clear, there are several ways to deal with. If the developer does not have a house with the conditions for sale, that is, the developer has not obtained a pre-sale permit, or sells an existing house without the conditions for use. The bank found this situation in the review and will not issue loans. At this point, property buyers can ask the developer to refund the down payment and deposit, and ask the developer to pay the corresponding interest loss.

3. If the information provided by the buyer is untrue or the buyer's credit record is bad, resulting in the bank refusing the loan, then the buyer needs to bear the liability for breach of contract.

4. If the government's policies or bank's regulations have changed and the loan that the buyer should get cannot be realized, then the buyer should negotiate with the developer. If the negotiation fails and there is no agreement in the contract, then the buyer can prove that he has no process and is really unable to buy a house. Ask the developer to return the down payment and deposit.

Editor's summary: What if the loan can't buy a house? I believe everyone knows something after reading the article. I hope the above contents can bring you some help and suggestions. If you need more relevant information, please continue to follow us.

So much for the introduction of the difficulty of buying a house loan.