1. Complete the application materials.
When handling loan procedures, there are a lot of materials that need to be provided by buyers. If the loan is refused only because the application materials are incomplete, then the problem is relatively easy to solve. You just need to complete the information and don't cheat. Just apply for a loan again.
2. Refusing the loan due to credit problems.
Once rejected, the borrower can apply for a loan again, but certain conditions must be met. Personal credit investigation plays a very important role in bank loans. If the previous credit card or other credit business is overdue, it will affect personal credit information. If the overdue credit record is not serious, you can contact the bank to make up the overdue amount first. After explaining to the bank, there is generally no big problem.
3. Increase wage mobility.
A friend was refused a loan by the bank because his salary was not up to standard, too low and did not reach twice the monthly payment. Buying a house to apply for a loan is often rejected. Effective measures are: provide effective financial proof, such as real estate license, large deposit certificate, and also provide self-help water. In the case of insufficient income, we can try to improve the success rate of loans through relatives' guarantee, providing part-time income proof and relay loans.
4. Find other loan methods.
You don't have to ask for a bank loan. Now, there are many financial loan companies providing loan business. If property buyers really have no choice, they can also find loans from loan companies. Compared with this, the loan threshold is relatively low, which can increase the possibility of loans. You can also find a guarantee company before applying for a loan. With the guarantee of the guarantee company, your loan will be very promising.
Can I get back the down payment if the loan is rejected?
According to the Interpretation of the Supreme People's Court on Several Issues Concerning the Application of Law in the Trial of Commercial Housing Sales Contract Disputes, the buyer pays by secured loan. If one party fails to conclude a commercial housing secured loan contract, the other party may request to terminate the contract and compensate for the losses.
It also stipulates that if the commercial housing secured loan contract cannot be concluded and the commercial housing sales contract cannot be continued due to reasons not attributable to both parties, the parties may request to terminate the contract, and the seller shall return the principal of the purchase price and its interest or deposit to the buyer. Therefore, the down payment can be refunded, no matter what the reasons are, such as the failure of approval, slow lending, insufficient quota and so on. But it's just a question of whether to pay liquidated damages.
The above is an introduction about how the bank refuses to lend and whether the down payment can be repaid. There are many reasons why banks refuse loans. If property buyers encounter this situation, they are restricted to know the reasons why the bank refused the loan, and they cannot blindly submit the loan application again to prevent the bank from refusing the loan again. Only when he finds the problem can he prescribe the right medicine.
Related Q&A: Is the mortgage payment overdue the next day? There is no grace period for bank mortgage repayment. As long as the repayment is made on the second day of the repayment date, it will be regarded as overdue by the user. Therefore, after the system fails to deduct money on the repayment date, the user must take the initiative to contact the mortgage lender and ask the customer service to provide the mortgage repayment account number, and the user chooses to take the initiative to avoid overdue repayment. What is a mortgage loan? Many buyers don't know the advantages and disadvantages of mortgage loans. In fact, understanding the advantages and disadvantages of mortgage loans is very beneficial to property buyers. Three advantages are 1. Pay the full amount to save money. Although I paid more money for the first time, from the total number of houses I bought, I can avoid all kinds of handling fees and bank interest. And because it is a one-time payment, you can bargain with the developer to further save the purchase price. 2. There is no economic pressure after the full payment without debt, because buyers can no longer worry about the house payment and calmly arrange future financial plans. At the same time, it also saves time and does not need any credit authentication. Today's work is finished today. 3. Easy to change hands From the perspective of investment, the house bought in full is convenient to sell and is not restricted by bank loans. Once the house price rises, it changes hands quickly and it is easy to quit. Even if you don't want to sell, you can mortgage your house to the bank when the economy is in trouble. Two shortcomings 1. The financial pressure is great. If it is not sufficient, after all, a large one-time investment may affect other investment projects of consumers. 2. Unless you have a good understanding of its real estate projects, including building quality, developer technology, financial strength, etc., the investment risk is great. This requires buyers to have a considerable level of technical expertise, which is beyond the reach of ordinary people. Mortgage, also known as house mortgage. Mortgage means that the buyer fills in the mortgage loan application form to the bank and provides legal documents such as ID card, income certificate, house sales contract and guarantee letter. The bank promises to grant loans to the buyer after passing the examination, and handle the notarization of real estate mortgage registration according to the house sales contract provided by the buyer and the mortgage loan contract concluded between the bank and the buyer. The bank directly transfers the loan funds to the seller's account within the time limit stipulated in the contract.