First of all, you can talk to the bank staff to find out why your loan is delayed. If the problem lies in the borrower's own credit, running water, liabilities and so on. It is suggested to increase the down payment amount and reduce the loan application amount, and then apply for a loan from the bank after the materials are fully prepared.
2. change banks.
Different banks have different regulations and audits on loan conditions, so if the buyers apply for the first bank but don't give it back, they might as well change banks.
3. Find a guarantee company.
Of course, there are indeed some buyers with poor qualifications, but they especially want to buy this house. At this time, they can ask the guarantee company for a loan. It should be noted that the costs involved will be higher than the direct costs. 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.
The mortgage can't be done because of the developer.
If the bank does not approve the loan because the developer has not obtained the pre-sale permit or sold the existing house that does not have the conditions for use, the buyer can completely ask the developer to refund the down payment and ask the developer to pay the corresponding interest loss.
5. The buyer's information is incomplete or the credit history is bad.
If the bank does not approve the loan because of the problem of property buyers, the house can be returned, but it must be borne. Generally speaking, the amount will be indicated at the meeting, so don't be afraid of the developer's opening.
6. Due to changes in policies or bank regulations, loans cannot be issued.
If the property buyers can't handle the loan smoothly due to policy reasons, they can negotiate with the developer to return the house unconditionally and get back their down payment. If the developer does not cooperate, the buyer can sue to the court to prove that he is not at fault.
What is the approval process for housing loans?
1. Submit materials and apply. Buyers and sellers take all relevant information and go to the bank. Receive and fill in the application form of personal loan for second-hand housing, and submit all materials to the staff for review after filling in. The staff will make a preliminary evaluation of the materials and give an approximate loan amount and years. Finally, the three parties agreed on the time, and the bank contacted the designated real estate appraisal agency for house inspection and evaluation.
2. Evaluation According to the agreed time, the real estate appraisal agency went to the housing management office for evaluation. Upon completion, the appraisal agency will issue an appraisal report to the bank. The time-consuming of this stage will depend on the agreed situation, and it can generally be completed within 3-5 working days. Require the counterparty to pay the 500 yuan assessment fee.
3. Bank Approval The bank will examine the qualifications of loan applicants. After meeting the requirements, the bank will examine and approve the loan amount and term according to the housing appraisal price and the qualification of the comprehensive lender. The approval process usually takes about 5 working days. If the approval speed is fast, the approval time of each business can be completed within 1-2 days.
4. Pay the down payment. After the transfer is passed, the buyer pays the down payment to the seller. Then the buyers and sellers and the bank staff go to the real estate exchange, and handle the transfer of house property rights with the down payment certificate, the mortgage application review commitment letter issued by the bank and other materials. It can be completed on the day of transfer, and the buyer can get the real estate license after waiting for about 20 working days.