but you know what? It doesn't mean that the bank will lend you money if you have a down payment. Generally, you will refuse to lend if you encounter the following problems:
1. Poor credit information. Credit information is one of the main factors that affect the result of loan approval. Only users with good personal credit information can apply for loans. If the borrower's personal credit information is poor, for example, credit card arrears are not paid off in time, or the loan is not repaid on time, then the bank will doubt the borrower's credit. In order to avoid risks, the bank may refuse your mortgage application.
2. Those who are not qualified to buy a house are restricted. We all know that many cities now have limited purchase policies. If you are not qualified to buy a house, even if you have collected the down payment now, the bank will not give you approval. Only after meeting the conditions for buying a house can you borrow money to buy a house.
3. Too old. Banks have requirements for the age of borrowers. Generally, mortgage loans are 2 or 3 years. In this case, there is no problem with young people's loans. However, if the borrower is too old, the bank will consider whether the borrower can pay off the money in the later period. Because of his age, his income will decline, so the bank may refuse the borrower's mortgage application for this reason.
4. Poor work and insufficient repayment ability.
we all know that when applying for a mortgage, we need to provide proof of income, such as proof of salary income, proof of operating income, proof of stable income such as rent and service fee, and the bank will also investigate and verify this proof of income by telephone.
To sum up, when applying for a mortgage, we must be fully prepared in advance and know the requirements of the bank in advance.
I want to borrow money to buy a house, and I am worried that the bank will not lend. It is understandable that some banks will not lend.
Generally speaking, there are three reasons why banks don't lend: The first is that borrowers have poor credit. For example, there are overdue records in the credit record, or a large number of small loan records, or a large number of inquiry records; It is also possible that the loan application will be rejected if it is on the list of people who have lost their trust or have legal proceedings.
second, your repayment ability is insufficient. This is related to your work unit, monthly income, the ratio of monthly income to monthly loan repayment, my marital status, my assets, etc. If one of them does not meet the requirements, the loan will also be refused.
thirdly, the bank's quota is insufficient. The application has been approved, but the bank still refuses to lend, so it is very likely that the bank has no loan quota. This happened in previous years, and the longest one was postponed for half a year.
I'm Caitan Konggu, and I'd like to share my views with you.
there are two situations: the risk control department of the bank mainly looks at these two aspects
1. The most important reason is the poor credit information, because this is the premise for the bank to judge whether you have good credit performance.
2. There is insufficient running water and insufficient guarantee qualification. From the perspective of risk control, the bank judges that you have enough ability to repay the loan.
Do you mean that the bank has passed the examination and has been refusing to lend money? Or did the mortgage review fail at all?
Reasons for not lending after approval
1; Bank reason: the bank loan procedure has not been completed. For example, it is difficult for leaders not to sign, mortgage registration is not handled, other warrants are not received, even if the procedures are complete, some banks still need to queue up for lending (all banks wait for half a year to lend), and the time node happens to meet the bank's mid-year settlement and other lending.
2； Real estate developer's reason: lack of information in the process of loan application.
the audit failed
1; Credit information can't pass the bank's access standards, and it has even been blacklisted.
although buying a house is just needed by most people, and banks will relax their policies according to different situations, credit reporting has always been a standard for banks to take a fancy to. It's normal for credit information to be overdue, but it's best not to exceed three times in a row. In addition, there are special cases that are discussed one by one. For example, this year's epidemic affected many people's credit cards, and loans overdue broke out at once. In this case, banks can consider not making reference as appropriate.
2； There is no stable job, low income and little bank flow.
although the bank gives you a loan for mortgage registration with your house, it doesn't mean that the bank doesn't look at your work, income and liabilities. What's more, you can't use that sentence: "The house is mortgaged to you, just sell it." The bank gives you loans to make profits, not to go to your house. When the bank finds that the loan is issued to you and you even have a problem with repayment, there is a risk of overdue, and the bank will be responsible for the audit. Besides, when you don't go to the bank, you will sue for taking photos, which will also consume the energy and time of the bank.
it's clear to check whether the credit record is good by yourself. If there is a stain, it will be difficult. After all, there are several links to be reviewed in bank loans. If you have any questions, you can pass any level.
Many people have worked hard for several years, even more than ten years, in order to have their own houses and homes in a certain city. However, many people will have some unimaginable problems in the process of buying a house. For example, when buying a house with a loan, the bank will not lend money, and when buying a house, the bank will not lend money, which is not necessarily the lender's problem or the bank's problem. According to the actual situation, it is analyzed in detail.
Lender's credit problem
Generally speaking, if the bank refuses to lend money, it is often because of the lender's credit problem, such as a large number of micro-loans and online loans in the lender's name, which will directly affect the mortgage lending problem.
If the loans and credit cards in the lender's name are overdue frequently or even maliciously in a certain period of time, the general bank will refuse to lend.
There are too many inquiries. Lenders should try to avoid applying for other loans and credit cards before applying for a mortgage, so as not to cause too many inquiries about credit information. Before buying a house loan, too many inquiries about credit information will be considered as a shortage of funds by the bank, because no one will frequently inquire about their credit information for no reason, only the lenders are frequently applying for loans or credit cards.
The lender's repayment ability is insufficient
When we apply for a house loan, the bank will definitely ask us to provide bank running water, because when approving the mortgage, the bank's bank card running water is the main basis for the bank to judge the lender's income, and the bank running water is too small to repay the mortgage and daily living expenses, and it is also difficult to get the mortgage appropriation, because the income is insufficient, the possibility of late overdue will be great and the risk will be relatively high.
the lender doesn't have a stable job
The implication is that the lender doesn't have a fixed income source, which is an important basis for the bank to judge the lender's repayment ability. If the lender doesn't even have a job, what reason can make the bank believe that you can repay the mortgage on time and in quantity in the future?
developer's reasons
This possibility is rare now, but it is not without it.
When buying a house, the property consultant neglected to review the purchase restriction conditions of the buyers, which led to the inability to transfer the property, and the bank had no basis for lending money.
The developer's real estate sales procedures are incomplete, and the real estate and land procedures are incomplete, so the Housing Authority can't register normally, and the bank can't get the loan basis, which is also the reason why the mortgage is not lent.
bank reasons
as far as the current market is concerned, it is also very common for banks to be short of funds in stages. Sometimes the lender's loan process is flawless, and there is no doubt about the real estate, but the bank refuses to lend money. This is not because the bank refuses to let it go, but because the bank's mortgage funds are insufficient in this stage, so the borrower needs to wait.
I'm Lao Liang, who specializes in personal loan financing. Lao Liang popularizes loan knowledge every day, updates loan market trends in time, and pays attention to @ Zhengzhou Lao Liang Loan Exchange. There are some things you want to know and some you don't know.
Without the loan qualification, capital and qualification, all people will not lend money, and will not give a cent ...
Any form of extortion, extortion, violation, plunder, extortion, persecution and accident of any attribute will make people greedy, and the sad sand will be exhausted, redundant and hidden.