1. Please consult the loan bank for details.
Property buyers must first find out why the loan can't be done. If the problem lies in the buyer's own credit, running water and liabilities, it is suggested to increase the down payment and reduce the loan application amount, and then apply for a loan from the bank after the information is fully prepared.
Step 2 change banks
Before applying for a loan, buyers can learn more about the specific requirements for applying for mortgage loans from several banks. If the first loan bank doesn't reply, you may want to change banks. Different banks have different regulations and audits on loan conditions, and perhaps the same conditions have been passed in other banks.
Step 3 find a guarantee company
If you can't get a loan because the qualification of the buyer is not good, but you especially want to buy this house, you can find a loan from the guarantee company. It should be noted that the cost involved will be higher than that of direct 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
Everyone is concerned about whether the loan can be made and whether the down payment can be refunded. If the buyer wants to refund the down payment directly, he can only negotiate with the owner, mainly in the hope of canceling the contract, so as to achieve mutual non-default and non-liability and compensation. If the last family doesn't want to, they will agree to compensation slightly, depending on how you negotiate.
Extended data:
Housing loan application materials
1. 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)
Baidu encyclopedia-mortgage loan
If I can't get a loan, can I find a guarantor?
Of course. If the mortgage is not approved, the borrower can find qualified relatives and friends to guarantee his loan, or directly find a guarantee company. Guaranteeing a loan by a guarantee company or a qualified person is helpful for the approval of the loan. The most important thing is that the borrower's credit is good, and there can be no bad credit record on the personal credit report. Otherwise, no matter how well the materials are prepared and the qualifications of the guarantor are good, banks and lending institutions are likely to refuse to issue loans. Article 688 of the Civil Code If the parties agree in the guarantee contract that the guarantor and the debtor shall be jointly and severally liable for the debt, it is a joint liability guarantee. When the debtor of joint and several liability guarantee fails to perform the due debt or the circumstances agreed by the parties occur, the creditor may request the debtor to perform the debt, or request the guarantor to assume the guarantee liability within the scope of its guarantee.
Can I find a guarantee company if the mortgage is not approved? Can solve practical problems!
; ? Although the house price is very high now, for some people, buying a house is a rigid demand, so even if they borrow money, they will buy a house. Due to the change of national policy and the tightening of bank loan quota this year, many people's mortgage loans were rejected because they did not meet the requirements. If you can't approve them, can you find a guarantee company? How to guarantee?
You can choose a guarantee company when you have nothing to do, which is a trading method allowed in China.
Housing home purchase guarantee refers to a civil legal act of applying for housing loan for the borrower and signing a guarantee contract with the lender and providing joint liability guarantee when the borrower (property buyer) cannot meet the requirements of the lender (bank) to provide guarantee.
Therefore, when the mortgage loan is not approved, you can seek help from the guarantee company, which requires commercial housing as collateral and will charge a certain guarantee fee.
How much does the guarantee company charge?
The charging standard of each company is different. The general situation is as follows: (service fee+evaluation fee+agency fee)
1, guarantee service fee = loan amount × loan period ׉-provident fund loan amount ׉ (guarantee fee supplement).
2. The appraisal fee is about 300 yuan, and it needs to be appraised by an appraisal company recognized by the institution.
3. Accompanied by a professional agent, they will go to the trading center to go through the mortgage registration procedures of the relevant housing loan business and get the real estate license. The agency fee is about 300 yuan.
To sum up, when you choose a guarantee company, you must pay attention to check whether it has formal qualifications. The sources of funds of guarantee companies are mainly obtained through government budget funds, asset allocation and key real estate enterprises, and their ability to undertake guarantee responsibilities is guaranteed by reliable strength.
What if the mortgage will never come down?
The house price is too expensive now, and most buyers can't pay the house price 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 mortgage loans, and the procedures for approving mortgage loans are very strict. Some friends have encountered difficulties in applying for mortgage loans, that is, they have been unable to apply for mortgage loans. Then, what should I do if the mortgage has not come down? What shall we do? Come and study at once.
One. Remedial loan
If you can't get a loan, talk to the bank first and see why you can't get a loan. If the problem lies in the personal income or running water of the buyer, it is suggested to increase personal income. The situation of bank loans 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 the running water of banks usually takes more than 6 months. Or consider raising the down payment and reducing the loan application amount, and then apply for a loan from the bank after the materials are fully prepared.
Second, change banks.
If the applicant bank delays lending, it is 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 the buyer, which will also lead to the failure of the loan. 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. Ask the seller or developer whether the contract can be terminated. Generally speaking, if the buyer breaches the contract for his own reasons, he needs to pay a certain amount of compensation, which depends on how you negotiated before.
Conclusion: The relevant knowledge about mortgage is introduced here for everyone, hoping to help everyone. Finally, I warmly remind 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's credit is good, the bank is likely to lend quickly and give a certain discount rate.