The solution to the housing loan problem is as follows:

1. Applicants who can't get a house loan should ask the bank staff what caused the loan not to be approved. If the failure is due to the applicant's credit information, income and other problems, you can try to increase the down payment, reduce the loan amount and increase the financial certificate, and then apply for a loan from the bank.

At the same time, different banks have different requirements for loans, and borrowers can also apply for loans from another bank.

3. If the qualification of buyers is not good, you can also find a guarantee company as a guarantee to apply for a house loan from the bank.