First of all, answer directly.

If the mortgage approval fails, you can try the following methods.

Second, the specific analysis

1. If you think your qualifications are not too bad, it is because the credit line of the original loan bank is tight, which leads to the failure of mortgage approval. You can try to apply for a mortgage from another bank. As long as your qualifications meet the requirements of the bank, there is no problem in doing so.

Here you need to confirm that your qualifications are excellent. If it is because of your qualifications, even if you change the loan bank, it will still lead to the failure of mortgage approval.

2. Increase the down payment ratio. If your income can't meet the requirements of the bank, you can increase the down payment ratio, so you can apply for less mortgage and reduce the monthly payment. After the monthly supply is reduced, the bank's requirements for income flow will naturally decrease.

3. Buying a house with a lower total price will increase the expenditure if the income is not enough, so the economic ability may not necessarily support raising the down payment, so you can try to buy a house with a lower total price, which can reduce the bank loan amount under the premise of keeping the original down payment unchanged, and also reduce the bank's requirements for its own income.

4. Change the mortgage lender When the husband and wife buy a house and apply for a mortgage, the bank will check the credit information of both husband and wife. If one of the parties has a credit problem and is the main lender, it will have a great impact on the mortgage approval. In this case, both husband and wife can discuss the replacement of another credit information to better apply for a mortgage as the main lender and improve the mortgage pass rate.

5. Improve your qualifications You can improve your comprehensive qualifications by increasing your income and reducing the debt ratio, so that your conditions can meet the requirements of bank mortgage, and then go to the bank to apply for a mortgage when your qualifications get better.

6. Restructure loan information. If the loan information fails to pass the examination and approval, it is necessary to ensure the accuracy of the loan information, and correct or supplement the wrong or omitted loan information according to the requirements of the bank. In addition, make sure that the loan information you provide is not false.

7. Buying a house by another developer is sometimes not the reason for the failure of the mortgage. If the certificates and qualifications of the corresponding developers are not complete, it will also lead to the failure of bank approval. For example, the property has not obtained the pre-sale certificate or the risk of the developer is too high. Due to compliance requirements, banks will not lend money for these projects with incomplete documents.

In this case, you can find some houses launched by big developers with excellent qualifications and complete documents, which is not only conducive to loan approval, but also can avoid the risk of handing over houses as much as possible.

8. Find a third party to guarantee yourself. If the qualification makes the bank worry, you can contact the bank and ask if you can find some third parties with better qualifications to guarantee loans for yourself. The higher the guarantor's income and the more stable his job, the more likely the bank will agree.

9. choose to buy a house in full. If the mortgage approval is really unsatisfactory, you can choose to buy a house in full under the premise of economic conditions. Of course, this requires your own financial ability.

It can be seen that there are many reasons for the failure of mortgage approval, and different reasons also have different solutions. In order to avoid the trouble caused by mortgage failure, you should consult in advance before applying for mortgage.

Online loan users can also check their credit qualifications by docking third-party big data risk control platforms, such as Beijian Quick Check and Sesame Credit. The former has established data cooperation with more than 98% online lending institutions in the market, so its query results are very accurate. Intuitively, you can not only know your own big data and credit situation, but also get various indicator data. The blacklist data of online loans is shared by most loan platforms, which means that if the borrower fails to pay back the money on one platform, such bad records will also be made public on other loan platforms, so everyone must be careful to maintain their online loan credit, otherwise they will not be able to obtain online loan products with good personal credit when they encounter economic crisis again.

Third, is it automatic to deduct the housing provident fund to offset the loan repayment?

Hedging repayment of provident fund is automatic deduction. As long as the balance of the provident fund account is sufficient and the hedging repayment agreement is handled, the provident fund center will automatically deduct the current bill before the repayment date expires, without taking the initiative to operate.

You can use the provident fund to repay the mortgage principal and interest, but when applying for hedging repayment, you need to meet the following conditions and meet the requirements of the provident fund center.

1, good credit.

2. The balance of the provident fund account is sufficient.

3. The status of the provident fund account is normal.

4. The provident fund has been continuously deposited 12 months.

5. Signed a hedging repayment agreement.

After signing the hedging loan repayment, it doesn't mean you don't have to worry. If the monthly deposit amount of the provident fund is lower than the monthly repayment amount, this situation will lead to less and less balance of the provident fund account, so you need to pay attention to the balance of the provident fund account at any time. If it is found that the balance is not enough to repay the current mortgage, it is necessary to make up the insufficient part in time and try to avoid overdue.

What if the bank loan is not approved?

If the loan is not approved, we must find the reasons in many ways and then solve the problem according to the reasons.

It is suggested to know the specific situation from the loan bank and find out the reasons why the loan is not approved.

If the loan is not approved, you can find the reason from yourself first.

1. Check whether you don't have the loan conditions stipulated by the bank first. If this is the case, it is recommended to try other loan products of the bank.

If it's not for this reason, you can see if it's because your information is not adequately prepared. If the information is not prepared enough, you can apply for a loan from the bank after you have prepared the information.

3. If there is no problem with the information, check whether there is any problem with the personal credit record, which leads to the failure of the audit.

4. If there is no problem with the credit record, it depends on whether you have cashed in your credit card, whether you have debts or not.

What is the specific process of bank loan approval?

Approval process:

Step 1: The account managers of branches and sub-branches receive customers and conduct preliminary negotiations.

At this stage, the bank account manager will understand the basic situation of the customer and introduce the banking products that the customer may use according to the customer's situation.

Step 2: The customer provides necessary parts and auxiliary parts according to the requirements of the bank.

It is not required to provide complete documents at one time, because each customer's situation is different, and some people need to reissue documents because their household registration books are not local. As long as the evaluation report is delivered and the bank account manager completes the loan file, it can be completed. This can adjust the schedule as a whole and speed up the loan approval.

Step 3: Sign the contract.

Signing a contract and providing requirements are carried out at the same time. Signature refers to the loan contract signed by the customer and the bank, which is quite thick, with more than ten documents and about 20 signatures. There are mainly loan master contract, loan application form, down payment letter (loan sale), mortgage registration power of attorney, single or house detailed statement, bank notice, conversation record (basically multiple-choice question), custody agreement, IOUs, power of attorney for inquiring personal credit information and so on.

In addition, the bank will require customers to open a settlement card or passbook of the relevant bank to repay the land.

Step 4: Inquire the credit information of the lender.

After signing the contract, the bank account manager will immediately conduct personal credit inquiry in the background. This must be signed by the customer when signing the contract (the central bank's regulations on protecting personal privacy).

Step 5: Report for review, or not report for review.

After signing the contract, the account manager will directly report to a qualified evaluation company for evaluation. Provide the other party with a copy of the real estate license and the party's ID card, and evaluate the time for the company to contact the party for field investigation that day. It usually takes three working days from house inspection to evaluation report, and five working days if the report needs express delivery. During this time interval, we have time to supplement the missing documents. If it is a recent transaction before the transfer, the bank will also give an assessment-free treatment according to the situation of the collateral, that is, according to the transaction price of the last assessment.

The evaluation value directly affects the loan amount. For example, the loan amount for mortgage consumption and house purchase shall not exceed 70% of the assessed value and the value of the house purchased (when the policy is tightened, the loan amount can only be 50% or less).

Step 6: the leader signs and the bank account manager hands in the papers.

When all the documents and materials of the lender are completed, the evaluation report is also received. Bank account managers will make papers, double sign them, sign them by leaders, enter them into the system (some banks are entered by examiners), and submit them. Take notes and fill in contracts and documents. Double signing refers to the certificate that two or more account managers or competent leaders with signing authority must sign the document to confirm that the document is complete and the information is true and reliable. Leadership signature generally refers to the signature of the president in charge of the branch.

Generally, the application is made through the return channel between the branch or sub-branch and the branch or the head office, and some account managers dutifully deliver it directly to the examination and approval center. There are also branches of some banks that have the power of examination and approval, that is, they can make their own papers and submit them directly to their superiors for examination and approval.

It should be noted that before the bank account manager double-signs. The contracted account manager will conduct telephone verification, mainly including whether the income in the income certificate submitted by the lender is true, whether the company telephone number is true, whether the contact information is correct, and some will check the company information online. Now there are several more items, such as inquiring about the property status under the name of an individual and so on.

Step 7: The branch approval center or the loan auditor with the approval authority of the branch shall conduct the approval.

Pre-loan approval is divided into two steps, first instance and final instance.

The examiner mainly reviews the integrity of the data in the file and makes a second telephone verification. Investigate the authenticity of data, provide the reliability of documents, and give preliminary opinions according to the materials submitted by customers and the credit rating of customers. For example, the loan period, interest rate, loan amount and so on that can be given in line with the policy.

The final assessor mainly reviews and judges according to the logic and authenticity of the data in the file. Generally speaking, the final decider is a very experienced clerk. Whether there is false information and whether the customer has the repayment ability can basically be judged. The final opinion given by the judge is the final opinion. If it is passed, a loan approval letter will be issued. The loan approval letter is generally electronic, and the branch can issue a written loan approval letter according to the specific situation.

The work of loan review is very complicated, and it is necessary to conduct risk review according to various regulations. There are many conditions for audit, mainly including contract law, banking law, real estate management law, property law, urban planning law, civil law and so on.

Step 8: Pass the examination and approval, register the mortgage, and get a loan from the bank.

Now the account manager will ask the lender to go to the Construction Committee or the Real Estate Bureau for mortgage registration. For example, Chaoyang Haidian can basically complete it on the same day. After receiving the mortgage certificate issued by the Construction Committee, the bank will return to the branch for filing and make a loan, which is generally completed by the accounting department.

Step 9: Post-loan management.

After the bank releases part of the money for targeted use, it will ask the lender to provide proof of the use of the money. The time is basically within one month after the loan is issued.

What should I do if the loan application is not approved? Three steps to teach you to "turn the corner"

The failure of loan application is something that most friends don't want to face, because it means that they can't solve their own difficulties and their credit can't be recognized. What if the loan application fails? Here are three steps to teach you how to apply successfully.

The first step is to establish a correct concept of loan.

First of all, we should establish a correct concept of loan and understand that it is very normal for a loan application to fail. Applicants should first overcome their psychological state and not be too worried about being rejected again, otherwise the review process will be another ordeal. When applying for a loan, you should put your mind at ease, show your financial ability generously, and express your willingness to lend reasonably, and be neither humble nor humble. I believe that lending institutions will not leave high-quality customers unattended.

The second step is to understand the reasons why the loan application is not approved.

After the loan application is not approved, the first thing to do is to understand the reasons for the loan rejection, and you can take the initiative to contact the lending institution to understand the reasons. It is more important to find the problem by yourself. Some lending institutions won't tell you the real reason for rejecting you. Therefore, rational analysis of the reasons for refusing loans can prepare for the next attack.

The third step is to fill in the shortcomings and attack again.

After understanding the reasons why your loan application failed, we should actively solve these problems. If the loan application fails, the reasons can be changed, such as incomplete information, unclear loan purpose, and too little bank flow. During this period, the applicant can make full preparations and pay attention to the details in the next application to get a loan. If there are some factors that are difficult to change in the short term, such as the stain on the applicant's credit record, no income certificate, etc. Then the applicant can only wait for the credit record to be cleared and have a stable job before applying.