Moreover, the problems are different and the solutions are different.
1. In the process of approving personal bad credit loans, you need to inquire about credit information. If there are bad records in the personal credit report, most banks/management centers will refuse to grant loans for fear of lending risks.
Solution:
(1) At ordinary times, pay attention to maintaining personal good credit and accumulate more good records (note that if the credit information is damaged due to overdue repayment of credit products under your name, you must pay off all overdue debts as soon as possible).
(2) When applying again, you can find a person with good credit to provide guarantee for your mortgage, which can increase the probability of loan approval.
2. The personal debt ratio is too high. Recently, many financial institutions frequently applied for multiple loans, resulting in too many records of credit inquiry, leading to the phenomenon of "spending money" and multi-head lending, which made the economic life of banks/management centers unstable.
Solution: It is suggested to suspend the application for new loans for one or two months, and repay the borrowed loans during this period, and then apply for loans after improving the "expenditure" situation and reducing the personal debt ratio.
3. If the economic income does not meet the requirements, the bank/management center will generally require that the running water provided should not be less than twice the monthly mortgage repayment, otherwise it will be suspected that the repayment ability is insufficient.
For example, if you choose to borrow a mortgage of 600,000 yuan with a term of 20 years, you can repay the principal of 2,500 yuan per month, and you need to provide running water with a monthly income of not less than 5,000 yuan.
Solution:
(1) You can choose to increase the down payment and reduce the loan amount. In this way, the requirements of banks/management centers for running water will naturally be reduced.
(2) You can apply for a mortgage with your spouse or parents, and then submit the running water of your spouse and parents to the bank/management center.
(3) You can provide the deposit certificate of provident fund/social security instead. If you have certain assets in your name, you can also provide some additional assets and financial proof materials to supplement it.
(4) The application materials are incomplete or the information provided by mistake is not comprehensive enough, which makes it impossible for the bank/management center to fully understand the credit level; Or the information is wrong and inconsistent with the real situation, so that the bank/management center suspects that it deliberately exaggerates or conceals the facts to defraud the loan funds.
Solution: Add accurate and perfect information and submit it to the bank/management center after confirming that the information is correct.
5, does not meet the local housing policy, housing policy in different regions may be different, taking Changsha as an example:
(1) Households whose registered permanent residence has moved out of this city (except demobilized soldiers and those who have settled with the army) have settled in this city for 1 year, or have paid personal income tax/social insurance in Changsha for 24 months continuously, and are restricted from purchasing commercial housing 1 set in the restricted purchase area.
(2) Non-local registered families with stable employment and no housing in Changsha have paid personal income tax/social insurance for 24 months continuously, and the commodity housing is restricted in the restricted purchase area 1 set.
Solution: Either find a way to settle down or borrow money to buy a house after personal income tax/social insurance is paid in full.
6. The down payment is not up to the specified proportion. If you buy the first suite with a loan, the down payment generally needs to pay about 30% of the total house price; If the loan is used to purchase a second house, the State Council clearly stipulates that the minimum down payment ratio shall not be less than 40% (regulations may vary from place to place, please call for details).
Solution: Make up the down payment and reapply. Of course, when buying a house, you should fully consider your economic income level and repayment ability, and don't blindly choose a room with too high a price.
7. Bank loan funds are tight. When handling the mortgage, it happened that the banking business was busy and the quota was tight, which led to the delay of approval and lending, and even suspended the loan business.
Solution: you can change to a bank with sufficient amount to re-apply for mortgage (note that banks are generally short of funds at the end of the year, and the year-end settlement is not very good at this time, so it is best to wait until the end of the year).
8. Real estate developers have problems. Real estate developers have incomplete documents and are not qualified to sell houses.
Solution: You can only choose to check out. However, because the mortgage has not been rejected, it is not a breach of contract and there is no need to pay liquidated damages. Generally, you can get all the down payment back, and you can even ask the other party for a certain loss.
Online lending big data is a third-party credit inquiry system for lending institutions, which uses big data technology to integrate loan records of various online lending platforms. You can clearly understand the problems existing in your online loan big data in "Beijian Quick Check", make an accurate and complete query, and solve the problems in online loan big data in time.
Extended data:
Will the mortgage be rejected after approval?
It's possible.
If the mortgage is approved, if the user passes the face-to-face signing, then the user can directly sign a mortgage contract with the bank. As long as the contract is signed, the bank can no longer refuse users.
However, the user only passed the preliminary review of the mortgage, and the user did not pass the final review. In the final review stage, users may be rejected.
Therefore, the approval of mortgage loans must go through the final review, that is, face-to-face review, so that banks will not refuse users, but only pass the preliminary review, and the final review may be rejected.