Got a loan rejected to buy a house? 10. Rejected for a loan to buy a house?

What are the reasons for <> loan rejection:

1. Do not meet the mortgage requirements.

According to the bank's regulations.

1) The customer applying for the mortgage must have a stable job and have the ability to repay the loan principal and interest on time and in full.

2) Have a good credit history.

There is a percentage of the down payment.

4) Procurement contract agreements can be provided.

Agree to mortgage the property you are buying.

Be at least 18 years old and have full capacity for civil conduct.

If the buyer's account is not in the place of purchase, proof that the local social security deposit has expired for a period of time is also required.

If one of the borrowers does not meet the requirements, they may be denied a loan.

2. Personal debt is too high.

If the borrower applies for another loan from the bank before applying for a mortgage and is still in the repayment period, it is easy to be rejected by the bank when the debt is high. Because the debt is too high, the bank will think that your repayment ability is weak. In order to guarantee the smooth recovery of the loan, it is reasonable to refuse the loan.

3. The loan materials are not complete.

There are only two reasons for the lack of information, neither ability nor unwillingness. There is no way, such as private lending, the main body has no real business, and the relevant parties do not know. Unwilling, such as lack of proof of purchase, proof of card swiping, trouble, etc.

However, the loan information is directly proportional to the qualification feedback, which is the most time-consuming part of the entire loan process and determines whether the account manager will make a loan or not. Therefore, her financial advice is to provide as comprehensive loan information as possible, otherwise it will unfortunately be rejected because the information is not uniform.

4. The age is not up to standard.

The bank has strict audit conditions when accepting the borrower's mortgage application. In addition to restricting the eligibility of minors for loans, seniors and seniors cannot take out loans.

Details: What should I do if the mortgage cannot be approved?

If the credit is overdue twice within half a year, it will not work, and if it is overdue for more than a month, it will basically say goodbye to the bank.

Take a look at the contract to see if there is an exemption clause for loan rejection, and simply terminate the contract and refund the down payment.

You carefully check whether there is any relevant agreement in the purchase contract, and if so, terminate the contract according to the agreement.

Concerned about real estate information, I probably know that this year, the amount of personal loans has not only been tightened, but the mortgage interest rate has also been raised, which means that the pressure to buy a house with a loan is greater. However, regardless of the bank's loan amount or mortgage interest rate, if some conditions are not met, then even the bank's application does not need to be filled in, because the bank will definitely reject it.

1. No credit record.

Some people think that if you don't get a credit card, then it won't be overdue, and the credit report is very clean. Seriously, such white households, the bank said that they had not applied for a credit card or taken out a loan, because they did not understand their credit habits, so it was easy to be rejected.

Second, it often expires.

Whether intentional or not, as long as it is overdue, it will have an impact, credit cards, personal loans, housing loans, and car loans are the same, and now Alipay's Huabei is also a credit record, so that banks do not have to take the risk of applying for loans through housing loans.

3. High debt.

Each bank will have different rules on the ratio of income to liabilities of borrowers, and if the proportion of personal debt is too high, it will affect their ability to repay. Assuming more than 70% of the individual's income, the bank will usually not approve the application.

4. No or very little income.

Generally speaking, a borrower's income must be twice the monthly income of the mortgage to ensure daily spending and continuous loan repayments. If proof of income is not available or proof of income is too low, the loan will also be denied if proof of income is required at the time of application.

Do high-risk work.

Employees in high-risk industries such as aerial work, hazardous chemicals, and fireworks will consider the loan applications of these employees more carefully when reviewing the materials because they are in danger at any time in their lives.

1. Requesters with bad reputation. If you leave a bad reputation with the bank, the bank will refuse to borrow money.

2. Requesters with poor economic conditions. The reason why the bank will provide the loan business is first and foremost to make a profit, if the bank finds that the requester's financial situation is not good or not enough to support the repayment of the expected loan and interest, then the bank will reject the loan request.

3. Requesters whose work is unstable. The stability of the borrower's work is also an important factor for the bank to review, because a stable job can indirectly prove that the borrower's repayment can be corrected.

4. Requesters who are too old or too young. The law clearly stipulates that only those who have reached the age of 18 can have the ability to conduct civil acts, plus the lack of economic income, work and other aspects of minors; Loan applicants who are too old will also be denied, and men and women cannot be older than 65 and 60 years old, respectively.

5. Claimants who have not yet made a judgment due to economic disputes. If there is a debt in a civil dispute and refuses to bear and implement it after the court enforces it, the bank will refuse to accept the loan request.

6. Applicants who buy elderly second-hand houses or small property rights. Because the older second-hand houses may face the problem of the expiration of the disposal of the dust number rights, and the small property rights houses only have the first contract without the property right certificate, and have not obtained the approval of the real estate registration part, so due to the risk problem, the bank will generally reject this kind of personal housing loan request.

1. There is a record of overdue repayment.

When applying for a loan, the borrower's personal credit report is an important reference, and if the report shows that the borrower has recently made a late repayment, then the possibility of the loan being rejected is high. However, if the borrower has a small number of overdue times and a small amount, there is still hope of getting a loan, but the loan-to-value ratio will be reduced and the loan interest rate will be increased.

2. The loan information is incomplete.

One of the conditions for a successful loan is that the information provided by the borrower must be complete, because if the information provided by the borrower is incomplete, the loan will also be rejected by the bank.

3. Weak repayment ability.

The success of the loan has a lot to do with the borrower's ability to repay, if the borrower's ability to repay is insufficient, then the bank needs to take a higher risk, and the probability of the mortgage being rejected will also increase.

4. Excessive debt.

It is advisable for the borrower to make no more than 50% of the monthly household income in the monthly payment, if this limit is exceeded, the loan may be rejected, and even if the loan can be obtained, the loan amount will not be high.

5. The second-hand house is too old.

Banks generally stipulate that the age of second-hand houses cannot exceed 20 or 25 years, some banks stipulate that they cannot exceed 15 years, and more stringent requirements cannot exceed 10 years.

How to remedy a rejected mortgage application.

1. Increase the amount of down payment for Gao Laowu's house purchase, reduce the amount of loan application, prepare all the information, and then apply for a loan from the bank.

2. Different banks have different regulations on loan conditions, if your loan in one bank is rejected, then you can try another bank.

3. If the bank still does not agree, you can find a guarantee company to guarantee and then apply for a loan, and if you submit materials through a professional loan intermediary, the loan door or threshold will often be reduced, and the probability of loan approval may also be increased.

Can I apply again after my mortgage application is denied?

Once rejected, the borrower can also apply for a loan, but certain conditions must be met. If the borrower is denied a loan because of bad credit, it will be more difficult to apply again.

Also, if the borrower is rejected for a loan from the same bank, you will need to wait for a certain period of time before applying. If the information is incomplete, as long as the borrower prepares the documents for the second time to apply for a loan, the loan can usually be approved. Of course, the specific decision should be made in combination with the current mortgage market and policies.

Legal analysis: 1. People with bad credit 2, people who have exceeded or not reached the legal age 3, people who are engaged in high-risk occupations 4, people who have debts greater than their income 5, people who have unstable jobs6, credit card overdraft consumption, mortgage loans that are not repaid on time 7, when providing guarantees for the third party, the third party does not repay the loan on time8, and economic disputes such as arrears will also affect credit history.

Legal basis: "Interpretation on Several Issues Concerning the Application of Law in the Trial of Cases of Disputes over Commodity Sale Contracts" Article 4 If the contract for the sale and purchase of commercial housing is not concluded due to the reasons of one of the parties, it shall be handled in accordance with the provisions of the law on deposits; If the contract for the sale and purchase of commercial housing cannot be concluded due to reasons not attributable to both parties, the seller shall return the deposit to the buyer. Therefore, the buyer can claim to terminate the subscription contract and require the seller to return the deposit on the grounds that the buyer's performance of the payment obligation is hindered by the change in the mortgage policy, which causes the buyer to perform the payment obligation, that is, it cannot be attributed to both parties.

1. Personal reasons: mainly due to poor personal credit, bank flow that does not meet the requirements, high debt ratio, weak willingness to repay or insufficient repayment ability.

2. Bank reasons: insufficient bank loan quota, the current tightening of housing loan policies, strict bank risk control, and sudden increase in housing loan business.

What to do if a loan to buy a house is rejected.

1. The application materials are ready, and apply again

Some people are rejected because the submission is incomplete, so it is first recommended that the applicant prepare the information and submit it again.

2. Try to change banks:

Each good bank has different requirements for loans, and this bank will not give you a pass, so try a few others.

3. Loan intermediary:

If your application is not approved, then you can go to a loan intermediary to try, because the loan intermediary is professional and very familiar with the system, so they have a high probability of success in helping you submit.

4. Loan company:

Bank loan requirements are generally high, but loan companies are much lower, and if you are rejected by the bank, then you can try to apply for a loan from the lender.

5. Change the loan business:

Different bank loan requirements are different, and of course, the loan business is different. If you apply for a loan to buy a house, how to remedy the loan if you can't approve it, this is also a helpless way.

What to pay attention to when buying a house with a loan.

1. Ensure that the loan information is true and valid.

In order to obtain a higher loan amount, some friends will provide fake loan information. For individuals, it is necessary to provide the bank with a real proof of personal occupation, position and recent economic income, etc. If you exaggerate your income level, you may not only default on your future repayments, but also affect your integrity record by providing false documents.

2. Understand the repayment method.

Nowadays, there are two main repayment methods for bank loans to buy a house, namely equal principal and interest and equal principal. Although the interest on the equal principal is less, the monthly payment is high every month, and the pressure is greater. The total interest of equal principal and interest will be higher, but the monthly repayment pressure will be less.

You can choose the appropriate repayment method based on your own situation.

3. Repay the loan on time every month.

Repayment on time means that the lender must pay attention to whether there are enough funds in his repayment account before the agreed repayment date every month to prevent the bank from being penalized for default due to his own negligence.

There are many reasons why a home loan may be rejected, such as the following.

1. My credit is not good, and there are bad records or serious negative information in my personal credit report.

2. Recently, there have been too many frequent loans, which has led to the emergence of long loans, and the credit investigation has become "flowering"; And because many of the loans borrowed have not been paid off, the personal debt ratio has also risen quite high.

3. The bank flow provided is not up to standard (the monthly income of the mortgage generally requires that the monthly income cannot be less than twice the monthly payment, such as a loan of 600,000 housing loans, and the choice of loan for 20 years, then the principal allocated to the month is 2,005, so it is necessary to prepare a monthly income of not less than 5,000 flows).

4. The information submitted is not complete and comprehensive or incorrect, and does not match the real situation.

5. The bank is short of lending funds, and there is no problem itself (in this case, it is enough to re-apply to another bank).

6. There is a problem with the real estate developer, such as incomplete documents and so on (there is no way to solve this situation, you can only choose to check out and refund the down payment).

Generally, everyone uses the central bank's credit records to leave traces of inquiry, which is more unfavorable for borrowing friends, and most of the online loans are not on the credit information, so the credit information can not be checked to the specific online loan information, but now you can also understand your personal data through the "Kingfisher data", and you can learn more about online loan overdue information, application records, dishonesty information, online loan blacklist and other information at the same time without query records.

Extended Information: Can a Credit Card Be Rejected and a Mortgage Down?

If the credit card is rejected, if the user meets the conditions for the mortgage review and passes the mortgage review, then the mortgage can be processed.

The user's credit card is rejected because of poor credit qualifications, and the application threshold for housing loans is higher than that of credit cards.

Therefore, although the rejection of a credit card will not directly affect the mortgage, the credit qualification conditions are poor, and it is basically impossible to apply for a mortgage.

The credit card application conditions and review criteria are different from those of housing loans, and users can try to apply for a housing loan if their credit card application is rejected.