1. What should I do if I have multiple credit cards but cannot get a loan? Ask for help

If you want to apply for a personal credit loan, it is best to find someone to borrow money, cancel the card and apply for a new loan plan from the lending bank; you can also try other banks, such as Minsheng Bank , Shenzhen Development Bank and other relatively smaller banks) or go to Standard Chartered Bank, Bank of East Asia and other foreign banks to ask; if this is not possible, if your credit card limit is relatively high, there are many other channels for credit cards; if you cannot get a loan Companies (regular and legal ones) can help

2. What should I do if I can’t get a loan to buy a house? How should I deal with it?

1. What should I do if I cannot get a loan to buy a house? How should I deal with it? Ways to deal with being unable to get a loan for buying a house include: try changing the unit or bank that handles the loan; make your submissions as complete, accurate, and authentic as possible; fulfill your repayment obligations in a timely manner to make your credit record more complete. These methods can greatly increase the chance of loan success. Buying a house is a very happy and exciting event, and the country has also provided many policies for buying a house that benefit the country and the people. But what should you do if you are unable to get a loan to buy a house? You can try changing to another bank, or find a professional guarantee company to protect you and improve your loan success rate. Let’s explain these methods below. Negotiate with the buyer before signing the sales contract. If the bank has no money to lend or is slow to lend, it will not be considered a breach of contract. If there is a problem with your credit, then you will have to bear the liability for breach of contract. Now that bank funds are tightening, commercial loans are relatively slow, while provident fund loans are quite fast. Try to make a one-time payment. If you cannot get a loan for personal reasons, you have to compensate the homeowner for liquidated damages, or find an intermediary company because you may have purchased the house through an intermediary company that does not know your information in the early stage. If it is due to national policies, you can negotiate with the homeowner for compensation. , Furthermore, when signing the sales contract, try to indicate that the contract will be terminated automatically if the loan cannot be obtained due to policy or personal reasons. As long as you meet the loan conditions in Shanghai, you can get the loan. 2. Reasons that may cause loan failure. If the mortgage cannot be obtained after the down payment of the house is paid, the process will be dealt with on a case-by-case basis based on the reasons for the mortgage failure. When reviewing a contract, the provisions in the contract will generally be applied first. Therefore, the stipulation in the contract on who shall bear the liability for breach of contract if the loan is not approved is the most important basis. If there is no agreement or the agreement is unclear, it shall be handled according to the following principles: 1. The developer’s reasons: If the developer sells houses that do not meet the sales conditions, that is, the developer fails to obtain a pre-sale license or sells existing houses that do not meet the conditions for use, the bank will If this situation is found during the review, the loan will not be approved. 2. Reasons of the home buyer: If the information provided by the home buyer is untrue or the home buyer's credit record is not good and the bank does not approve the loan, the home buyer should bear the liability for breach of contract. At this time, home buyers can take the following measures to deal with it: 1. Remedial loan. First, you can communicate with the bank clerk to understand the reason why your loan has not been approved for a long time. If the problem lies with the home buyer's credit, current flow, liabilities, etc., it is recommended to increase the down payment amount, reduce the loan application amount, and prepare all the information before applying for a loan from the bank. 2. Change banks. Different banks have different regulations and reviews on loan conditions. Therefore, if a home buyer has applied for the first bank but has not received any feedback, he may wish to change banks. 3. Find a guarantee company. Of course, some home buyers do not have good qualifications, but they really want to buy this house. At this time, they can find a guarantee company for a loan. It should be noted that the fees involved will be higher than those for borrowing directly from the bank. Because in addition to the handling fee, the guarantee company also needs to pay guarantee fees, interest fees and other fees. 3. Reasons not caused by the buyer or seller: If the bank mortgage loan is delayed, the loan amount is reduced, or cannot be processed due to bank reasons, the two parties will usually have a supplementary contract or agreement, agreeing that the home buyer can choose, or the home buyer can purchase the mortgage loan within a certain period of time. If the purchase price is paid back, the home buyer has the right to terminate the contract; if the purchase price is not paid overdue, the developer has the right to terminate the contract. It can be seen from the above that when other netizens encounter the same problem, the most common method is to remedy the content of the loan information, provide more detailed and accurate information, or change banks and find other guarantee companies to increase the probability of loan approval. A house is a haven for everyone, and it is something that cannot be avoided in a person's life. Therefore, it is inevitable to encounter some problems in it, and you can solve them in time when you encounter them.

3. What should I do if I can’t get a loan?

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