The reason why the mortgage is rejected is generally that the lender does not meet the corresponding loan conditions. If it is rejected because of credit problems, the borrower can provide more bank accounts and asset certificates to prove his economic strength. You can consult the bank to see if there is a solution.
explicitly
1. It takes about 15 days for general bank loan approval. If there is a policy change, the time may be extended to 1 month. Or the bank is short of money. At this time, loans may need to be queued, and the time will be further extended.
2. If it has not been approved for more than 3 months, it may be that your materials or qualifications do not meet the loan conditions. In case you can't handle it, the bank will also inform you. After the approval, the bank will not lend money immediately, and you need to sign a contract. Please consult the bank customer service for details.
3. The procedures to be submitted for general loans mainly include: loan application, customer ID card, household registration book, income certificate, proof of marital status and other materials (for customers with spouses, spouse ID card and household registration book are also required). Customers with mortgage loans need to provide property certificates of collateral; If you are a customer with unsecured loans, you need to provide a good credit record.
Personal housing loan refers to the loan issued by the bank to the borrower for purchasing ordinary housing for personal use. The borrower must provide a guarantee when applying for a personal housing loan. At present, personal housing loans mainly include entrusted loans, self-operated loans and portfolio loans.
1, individual housing portfolio loan
Refers to the loan issued to the same borrower from the housing provident fund deposits and credit funds for the purchase of self-occupied ordinary housing, which is a combination of personal housing entrusted loans and white camp loans. In addition, there are housing savings loans and loans.
2, personal housing entrusted loans
Refers to the loan that the bank entrusts the housing provident fund management department to issue to individuals who purchase ordinary housing according to the requirements of the Regulations, with the housing provident fund deposits as the source of funds, also known as provident fund loans.
3. Personal housing loan.
It is a loan to individual property buyers based on bank credit funds. Also known as commercial personal housing loans, the loan names of banks are different. China Construction Bank is called individual housing loan, and Industrial and Commercial Bank and Agricultural Bank are called individual housing guarantee loan.
Reasons for being refused a loan by the bank
1, for houses with unclear property rights, banks will directly refuse to lend, such as houses with small property rights. There is only a sales contract and no title certificate, and the real estate registration department will not recognize it. In the event of policy land development, banks may face risks, so banks will directly refuse to lend to such houses. Other second-hand houses without property rights problems may also be refused loans by banks, such as older second-hand houses, and banks generally have requirements for the age of second-hand houses.
2. Banks attach great importance to personal credit information when approving loans. In principle, if the lender keeps a record of three consecutive times and six consecutive times in two years, the bank can refuse the loan. Records, including credit card repayment, mortgage repayment and car loan repayment. , will appear on your personal credit record.
3. When the lender is older, his income may also decrease and his ability to repay the loan will be weakened. Usually, banks stipulate that applicants are 18-65 years old, among which 25-40 years old is the group welcomed by banks, followed by 18-25 years old and 40-50 years old, 50-65 years old, and housing loan applications are generally not approved. Because the older the lender is, the greater the chance of health problems, which will affect the repayment of the loan, so the higher the risk the bank will bear.
legal ground
Interim Measures for the Administration of Personal Loans
Article 11 An individual loan application shall meet the following conditions:
(1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state;
(2) The purpose of the loan is clear and legal;
(3) The amount, duration and currency of the loan application are reasonable;
(4) The borrower has the willingness and ability to repay;
(5) The borrower's credit status is good and there is no significant bad credit record;
(6) Other conditions required by the lender.
Nineteenth loan risk assessment should be based on the analysis of the borrower's cash income, using quantitative and qualitative analysis methods to conduct a comprehensive and dynamic loan review and risk assessment.
The lender shall establish and improve the borrower's credit record and evaluation system.