What should I do if I can t get a mortgage? What should I do if I can t get a mortgage?

There are many reasons why a mortgage cannot be handled, so in practice, different situations are handled differently, and the court will generally give priority to the provisions in the contract when hearing contract disputes. Therefore, the most important basis is the stipulation in the contract on who bears the liability for breach of contract in case of non-approval of the loan. If there is no agreement or the agreement is unclear, it shall be handled according to the following principles:

1. The developer's reason: If the developer sells a house that does not meet the sales conditions, that is, the developer has not obtained a pre-sale license or sells an existing house that does not have the conditions for use, and the bank will not approve the loan if it finds this situation during the review, the buyer can ask the developer to return the down payment and deposit, and require the developer to pay the corresponding interest loss.

2. The reason of the buyer: If the information provided by the buyer is not true or the buyer's credit record is not good, the bank will not approve the loan, and the buyer should bear the liability for breach of contract.

3. Reasons for non-buyers and sellers: If the policy or the bank's regulations change and the buyer should get the loan cannot be realized, the buyer should negotiate with the developer, and the negotiation cannot be reached and there is no agreement in the contract. The buyer can sue and prove that he is not at fault and that he is not able to afford the purchase of the property by asking the developer to refund the down payment and deposit.

First, go to the developer first and ask the developer why the bank can't find your information. If the bank can access the information in the public security system, I believe they will be able to find your information.

Second, communicate directly with the bank, ask the problem clearly, find out the cause of the problem, and then find a way to solve it. Otherwise, you won't be able to pay the house by then, and you will only suffer a loss.

Third, if the problem lies with the developers, we have reason to go to them for trouble.

In this type of dispute, it is first necessary to determine whether the contract signed by the two parties is valid, and if so, it is necessary to see whether the contract stipulates whether the mortgage loan has not been handled or cannot be handled, and if so, it shall be performed according to the agreement.

For most middle-class people, buying a house is generally a loan. But there will be all kinds of troubles in applying for a loan, what if you can't get a loan to buy a house? Who bears the liability for breach of contract depends on the contract. The details are as follows:

1. If the contract stipulates that the bank mortgage cannot be handled due to the buyer's reasons such as failure to provide materials in time, or incomplete materials or false materials, resulting in the inability to perform the contract between the two parties and the failure to achieve the purpose of the contract, the developer has the right to terminate the contract and can pursue the buyer's liability for breach of contract.

2. If the contract stipulates that the bank mortgage loan cannot be processed due to the developer's failure to implement the mortgage loan bank or the failure to submit the mortgage loan materials in a timely manner, resulting in the inability to perform the contract between the two parties and the inability to achieve the purpose of the contract, the buyer has the right to terminate the contract and may require the developer to bear the liability for breach of contract according to the provisions of the contract or the Contract Law.

3. If the bank mortgage loan is extended, the loan amount is reduced or cannot be processed due to the bank's reasons, the two parties will generally have a supplementary contract or agreement, stipulating that the buyer chooses, either the buyer pays the purchase price within a certain period of time, or the buyer has the right to terminate the contract; If the purchase price is not paid within the time limit, the developer has the right to terminate the contract.

What should I do if I can't get a loan to buy a house? It may be caused by these reasons, don't be careless.

In the following cases, it is difficult to apply for a housing loan: 1Bank flows are too low. 2.

There is a problem with the collateral, such as a property that is not allowed to be listed for trading. 3.Credit cards, mortgages, car loans, overdue or non-payment.

4.Providing security for a third party who fails to repay the loan on time. 5.

Non-payment of arrears of electricity bills.

1.If you can't do it, you can change banks and refinance. Or ask the developer to refund the money.

2.You should have no problem, if there is a problem, the bank will ask you to submit the materials and approve it again.

3.You are a first-time borrower, and the bank is willing to lend to you because of your good personal credit record. And you have your dad as a vouch, so don't be afraid. It should be possible to take out a loan.

What should I do if I can't afford a mortgage? A friend bought a house, paid the first loan and couldn't. What should we do, here are some solutions for your reference.

1. Clarify the reasons why the loan cannot be approved.

The average real estate developer first asks other banks to take out a loan, but if you can't approve the loan, it depends on why you don't approve it. In the case of the ability to pay, an extension of the repayment period is generally requested.

The current trend is that banks are tightening and lending is slow. A down payment was made and a loan contract was signed. If the loan amount is insufficient, a cash replenishment is generally required.

Generally speaking, it is rare for you to fail to approve due to your own credit and incomplete documents, so you must be well prepared in advance.

2. If you want to refund the original payment, you must discuss it with your family in advance.

If you are worried about getting your initial payment back, you can only discuss it with your family. The main thing is to terminate the contract, not to breach the contract, not to be liable and not to pay compensation. If the family is unwilling, they will agree on a little compensation, depending on how you negotiate.

It is important to consult with your family before signing a contract of sale. The bank has no money, and if the loan is slow, it will not break the contract. If there is a problem with your credit, you must be held liable for breach of contract.

Nowadays, bank funds are very tight, commercial loans are relatively slow, and provident fund loans are quite fast.

3. Try to make a one-time payment.

Try to make a lump sum payment, and if you are unable to finance due to personal reasons, you must compensate the owner of the house for liquidated damages. Because the intermediary company may have been introduced by the intermediary company to buy a house, I don't know your information in the early stage. Due to national policy, it is possible to negotiate compensation with the owner, and if the purchase and purchase contract cannot be financed due to policy and personal reasons, the contract will be terminated by itself.

4. Application questions.

This generally does not happen before the initial payment The actual real estate agent submits your relevant information to the bank for inquiries, unless your receipt is a serious problem, it usually goes through directly, in simple terms, as long as your receipt is sure that there is no major problem, you will definitely be able to take out a loan. The loan purchase is actually collateralized, and the bank has the right to take possession of your house if it has not been repaid for a long time.

Most people are not willful tyrants who can buy a house in full, and if they want to buy a house, they have toMortgage loan processingDealing with banks. However, this process may not be as smooth as the buyer thinks, and there may be a situation where the buyer's application for a mortgage cannot be approved for a long time. Whether it takes a long time or encounters obstacles, it will cause losses to buyers or even fail to complete the transaction.

This requires you to be prepared to understand some of the important issues in applying for a mortgage. If it does happen, it is necessary to have a plan to solve it in time.

What should I do if I am sure that I can't get a loan?

The first is to solve the problem of the credit qualification of the buyer himself. In this regard, it is necessary to communicate with the loan clerk of the bank to understand whether there is a problem with the individual's credit and debt situation and whether there is a way to remedy it. If it is too late, you can negotiate to increase the down payment and reduce the application amount, resubmit the application, and if certain conditions are met, the bank will consider lending.

If you can't get approved for personal reasons, and you really want to buy a house, you can also find a guarantee company for a loan, so you need to increase the guarantee fee and higher interest costs, so the total cost will be much higher than that of the bank, and you should do it according to your own economic strength.

The above situation also shows that personal credit qualification is very important, stable work income and good credit history are very important for buying a house and other credits, and it is necessary to pay full attention to it in daily life, otherwise it will face high costs and losses temporarily.

Secondly, if there is no big problem with personal credit qualifications, the delay in the loan may be related to the bank you are applying for, and you can consider repaying the bank. Note that it is important to negotiate with the developer who is selling the property, and some developers will specify a bank to work with. Different banks have different loan conditions review procedures, and the degree of looseness and tightness of the monetary system is also different, and the same application conditions may be passed by other banks.

Thirdly, there may be a situation where the borrower is unable to take out the loan and the buyer cannot afford to pay the full amount, so he will have to negotiate with the developer or the original owner to return the down payment, ideally and not be liable for compensation if the contract is terminated. When the property market is relatively good, this kind of agreement is still relatively easy to reach.

Although it is said that the failure to get a loan can be due to the bank, the developer or the buyer, it is rare for the Ling family to come from the bank and the developer. Most of them are due to the buyer's own reasons, such as incomplete or false proof of employment and income, problems with the flow of information, or flaws in personal credit history. It is necessary for home buyers to strive for stable jobs and pay attention to the cultivation of personal credit in normal times.

Legal Analysis:1The customer's credit is not good, and there are bad records or serious negative information in the personal credit report (such as the overdue record of "three consecutive six"), so the bank is worried that the risk of lending is too high.

2.The customer has borrowed too much recently, resulting in a long borrowing situation; The personal debt ratio is also very high, and there are many outstanding loans under his name. Banks are concerned about the instability of their customers' economic lives and their inadequate ability to repay.

3.If the information provided is incomplete or incorrect, or inconsistent with the real situation, the bank is worried that the customer will defraud the loan.

4.The real estate developer's documents are incomplete and he is not qualified to sell houses.

Legal basis: Civil Code of the People's Republic of China

Article 667 A loan contract is a contract in which the borrower borrows money from the lender and returns the loan at maturity and pays interest.

Article 668: The loan contract shall be in written form, unless otherwise agreed upon between natural persons.

The content of the loan contract generally includes the type of loan, currency, purpose, amount, interest rate, term and repayment method.

Article 669 When entering into a loan contract, the borrower shall, as required by the lender, provide the true information about the business activities and financial status related to the loan.

This question depends on whose responsibility it is, if the developer sales does not give you a clear introduction to the current policy and you can't get a loan, you can directly find the leader to explain the situation and ask to check out.

If you can't get the loan for your own reasons, and if the contract at that time states that the loan cannot be paid is not a breach of contract, both parties can agree to terminate the contract, and if you don't explain, you will be liable for breach of contract.

It is recommended that you should communicate with the bank clerk first to understand the reason for the delay in the approval of your loan. After that, according to the reason for not being able to get the loan, we will see how to deal with the matter.

Article 577 of the Civil Code of the People's Republic of China provides that if one of the parties fails to perform its contractual obligations or the performance of its contractual obligations does not conform to the agreement, it shall bear the liability for breach of contract such as continuing to perform, taking remedial measures, or compensating for losses.

The possible situations where the bank does not approve the loan for the purchase of a house are:

1. If the mortgage cannot be applied for due to the developer's reasons, for example, the developer has not obtained the pre-sale permit or sells the existing house that does not meet the conditions for use, resulting in the bank not approving the loan, the buyer can request the developer to return the down payment and deposit, and require the developer to pay the corresponding interest loss.

2. If the information provided by the buyer is untrue or the credit record is not good, the bank does not approve the loan, and the buyer can also check out, but the buyer shall bear the liability for breach of contract and compensate the developer for the corresponding liquidated damages.

3. If the policy or bank regulations change and the loan cannot be borrowed, the buyer should negotiate with the developer to check out, and if the negotiation fails and there is no agreement in the contract, the buyer can sue and prove that he is not at fault, and he is indeed unable to buy the house, and require the developer to return the down payment and deposit.

Legal basis] According to Article 23 of the Judicial Interpretation on Commodity Housing, if the buyer pays in the form of a secured loan but fails to conclude a loan contract for the sale and purchase of commercial housing due to the reasons of one of the parties, resulting in the inability to continue to perform the contract for the sale and purchase of commercial housing, the other party may request to terminate the contract and compensate for losses.

FYI.

What should I do if I can't get a loan?

1. Timely remediation.

If the buyer encounters a situation where the down payment is paid but the loan cannot be processed, do not rush to change banks, and after figuring out the specific reasons for the failure to apply for the loan, you can also take remedial measures and resubmit the loan application. If the problem is the buyer's credit, flow, debt, etc., it is recommended to increase the amount of down payment, reduce the amount of loan application, and then apply for a loan from the bank after preparing all the information.

2. Change the loan bank.

Don't be too troublesome to get a loan, if the buyer does not meet the requirements of the previous loan bank, you can try to change the bank. Different banks have different lending policies, and the failure to apply for a loan in this bank does not mean that the application for a loan from other banks will also fail. Therefore, when you encounter a situation where you are rejected by the bank or the loan amount is insufficient, the buyer can try to change to an Oak Naijia Bank loan.

3. Find a guarantee company.

If the buyer's qualifications are really not very good, but they particularly want to buy this house, then you can consider finding a guarantee company to guarantee the loan for yourself. However, there will be additional costs for taking out loans through guarantee companies, which are higher than bank loans, so you should be prepared for them.