Can I open a bank mortgage with a down payment but another debt of 50,000?

If the debt of 50,000 is not a bank loan or credit card debt or online loan arrears, it does not matter if it is borrowed from a private person, if it is a bank debt or an online loan arrears, you must pay back the money first and then go to the bank mortgage.

The down payment has been paid, but there is another debt of 50,000 yuan. You should apply for a loan in writing at the bank loan center, and if you do not have the relevant repayment ability and the debt has not been paid off, the bank can apply for a mortgage according to it. FYI.

If the debt of $50,000 is a line of credit or the amount of the judgment, then it will affect your bank mortgage.

Therefore, it is better to repay the arrears first, and the bank's risk control department will review it.

The down payment has been paid, but there is still 50,000 yuan to be paid, and it should be possible to open a bank mortgage, which was originally due to insufficient money to take out a loan.

You can open this one, but you need to open it for you according to whether the bank has opened it for you, and if he opens it for you, you can.

The down payment has been paid, but there is another debt of 50,000 yuan, generally if the debt is not affected by the credit information, then the bank mortgage can be opened, if there is a credit impact, it is not possible to open a bank mortgage.

You can apply to the bank, and if the bank is approved, you can.

You have paid a down payment to buy a house, and at the same time have a debt of 50,000 yuan, you can open a bank mortgage loan, as long as your credit is good and there is no bad record, you can take a mortgage loan to buy a house.

The fisherman is in charge, and the other 55 million is responsible, or the mortgage that can open the bank is okay, no problem, the mortgage can also be operated.

Hello, you are no longer 50,000, can you open a bank mortgage? Debt should not be, hope, thank you.

I am afraid that you will not be able to get a bank mortgage, because if you have a loan, the bank may not give you a mortgage.

The fifth aunt collects the money, but the sixth uh is complicated. 50,000 yuan can open Yan'an, can you rest assured? In this case, you have already paid, but you have.

Well, it's complicated 50,000 yuan. Well, but it can also be opened. Uh, you, An Ann remembers, because you only have um.

You only need to put 50,000 yuan, uh nine, you play personal family has it. No, what do you want?

If this is also a loan, then your mortgage will not pass, and now you can check it jointly.

I have paid a down payment, but I am responsible for another 55 million, can I open a bank mortgage? Of course you can, you, repay the loan.

Can I open a bank mortgage with a down payment but another debt of 50,000? If you have a debt of 50,000 in the bank and you want to take a mortgage, I think it's quite difficult.

Payment, but there are other debts, 50,000 can be mortgaged through the bank? If there is no problem, you can apply for it.

I have made a down payment, but I have a debt of 50,000 yuan, can I open a bank mortgage? If you have paid a down payment, but have a debt of 50,000 yuan, you can open a bank mortgage.

Your invoice should be in the bank, and you can ask the neighbor to see if the invoice is in the bank. The contract is valid. It will not affect the application for real estate certificates.

It's okay, you have a bank loan, it is likely that your loan is taken to exchange for a ticket after the loan, and you have to replace the down payment invoice with a full invoice, because the bank has lent money, your purchase price is equivalent to having been handed over to the developer, so you have to give you a full ticket, it's okay, even if you can't find it and lose it, it doesn't matter, the housing authority has a file on file, and you can adjust the file by going to the housing authority with your ID card, marriage certificate, household registration book, and the purchase contract, don't worry.

Let's see why you can't do it. If it is due to the country's macroeconomic policy, it can definitely be refunded.

You should first consult the bank about the conditions you need to apply for a mortgage, and then weigh yourself, which is generally not a big problem. And some developers can help you get a mortgage. You ask.

If you don't worry, you haven't paid the down payment yet, then you negotiate with the developer and make a supplementary agreement to refund the down payment, and it's OK.

What should I do if I can't get the mortgage after the down payment is paid?

It's not very clear, what are you asking? Who did the down payment go to? Developer, are you going to check out or are you going to ask the developer to refund the down payment?

1. Delay in delivery. This phenomenon is more serious, and the delay in delivery refers to the delay in getting the developer's notice of occupancy after the delivery date agreed in the contract between the developer and the buyer. Generally, the agreed period of delay in delivery of the house can be moved out of the range of 30 days to 90 days, if the developer can not deliver the house beyond this period, the buyer can ask the developer to move out, and ask for double return of the deposit or pay interest on the house price.

2. The developer lacks valid certificates and approvals, resulting in the invalidity of the contract. According to the regulations, the developer must have complete documents before building and selling the house. If the developer's documents are incomplete, it is an illegal operation, and the contract signed with the buyer is invalid.

Since it is an invalid contract, the buyer shall vacate the house, and the developer shall return the payment paid by the buyer.

3. The developer changed the design without the consent of the buyer. In the contract signed between the buyer and the developer, it is generally stipulated that the developer must obtain the consent of the buyer before changing the design. Otherwise, the developer is in breach of contract and the buyer has the right to move out.

Hello, I am in the real estate industry, first of all, the problem you said is really tricky, you can't have these loan conditions, you can't get a mortgage loan, but the check-out is an agreement with the developer, when you bought the house, did the contract say that if you quit the house, there is no liquidated damages.

Even if the contract has been filed, as long as the property right certificate is not taken down, you can get a copy (filing contract change application form) at the housing management office, and redo the contract that has been filed. But the application form must be stamped by the developer, that is to say, whether the developer is willing to help you with this, to put it bluntly, whether you are willing to check out to you, you can calmly talk to the developer, there should be no problem, and finally wish you all the best!

At this point, it is more difficult to check out than to climb to the sky?

I suggest you don't retreat! Run a few times and you'll give up yourself.

You can't check out, you can only wait for the bank to lend, and then the developer will hand over the house with you, there are many first-hand housing loans, and the bank is a batch of review and lending, maybe you haven't lent yet.

It's troublesome, and basically can't go back. Soft grinding hard bubbles, may give you some back.

It is recommended that you sell the house, and the procedure is to change the online signature number.

You can ask your real estate agent for details.

In this case, it should be dealt with on a case-by-case basis: if the loan has been approved by the bank, the buyer and the seller can only wait patiently for the loan to be disbursed; If the loan is not approved, the buyer and the seller can negotiate how to pay the final payment, and if the buyer is indeed unable to pay the final payment, the only way to terminate the contract is to comply with the relevant provisions of the contract.

In this case, whether the buyer breaches the contract depends on the relevant provisions of the House Sale and Purchase Contract. Generally speaking, if the bank loan cannot be processed due to personal reasons of the buyer, the buyer will not be liable for breach of contract.

Personal Housing Mortgage Loan Conditions:

1. Have a permanent urban residence or valid residence status;

2. Have a stable occupation and income, good credit, and have the ability to repay the principal and interest of the loan on time;

3. Have self-raised funds of more than 20% of the total price of the purchased housing, and guarantee to pay the down payment of the purchased housing;

4. Units or individuals with assets recognized by the bank as collateral or pledge, or units or individuals with sufficient solvency as guarantors to repay the principal and interest of the loan and bear joint and several liabilities;

5. Have a house purchase contract or agreement, and the purchased housing ** basically meets the appraisal value of the bank or the real estate appraisal agency entrusted by the bank;

6. Other conditions stipulated by the bank.

Bank loan to buy a house conditions:

1. Have a legal residence status; Those who apply for policy-based personal housing loans should have a local permanent housing address;

2. Have a stable job and income;

3. Have the ability to repay the principal and interest of the loan on time;

4. There are assets approved by the lending bank as collateral or pledge, or (and) there is a guarantor who meets the specified conditions to guarantee it.

5. There is a contract or agreement for the purchase of housing;

6. When applying for a loan, if you have a deposit of not less than 30% of the funds required for the purchase of housing in CCB, and apply for a policy-based personal housing loan, you should deposit the housing provident fund in CCB according to the regulations;

7. Other conditions stipulated by the lending bank.

2. What materials do you need for a bank loan to buy a house?

1. Loan application form;

2. Subscription agreement or sales contract;

3. Proof of identity;

Proof of identity refers to the passport of a foreigner, the passport and household registration book of a Taiwanese person, the ID card of Hong Kong and Macao, the Home Return Permit, and the work permit. Marriage certificate refers to the certificate of registration in the country where the buyer and spouse are located, 4. Income certificate (including tax bills, bank records and employer confirmation).

3. What is the process of buying a house with a bank loan?

Step 1: The buyer and seller prepare all the documents to see a lawyer.

Step 2: The appraisal company evaluates the house, and the lawyer issues a legal opinion;

Step 3: The bank reviews the appraisal report and the president signs and approves the loan.

Step 4: Lend.

Note: The information required by each bank is different for the buyer and seller, and the details of the process are also different, please refer to the monthly loan manual.

Fourth, 6 major issues to pay attention to when buying a house with a loan.

1. Do not use the provident fund before taking out a loan. If the borrower withdraws the CPF savings balance to pay for the house before taking out the loan, then the CPF balance on your CPF account is zero, so your CPF loan amount is also zero, which means that you will not be able to apply for a CPF loan.

2. Don't repay the loan early within one year of borrowing. According to the relevant regulations of CPF loans, partial early repayment should be made one year after the loan is repaid, and the amount you repay should exceed the repayment amount of 6 months.

3. If you have difficulty repaying the loan, don't forget to look for a bank around you. When your ability to repay the loan decreases during the term of the loan and you have difficulty repaying the loan, don't force yourself to hold on. ICBC customers can apply to ICBC for an extension of the loan term, and if the bank investigates that it is true and there is no default in the repayment of the loan principal and interest, ICBC will accept your application for extension of the loan term.

4. Don't forget to inform the obligation to rent out the house after the loan. When you rent out a mortgaged property for the duration of the loan, you must inform the tenant in writing of the fact that the mortgage has been mortgaged.

5. Don't forget to revoke the mortgage after the loan is paid off. When you have paid off the loan principal and interest in full, you can revoke the mortgage at the real estate transaction center of the district or county where the real estate is located with the bank's loan settlement certificate and the real estate other rights certificate of the collateral.

6. Do not lose the loan contract and IOU. To apply for a loan, the loan contract and IOU signed by the bank with you are important legal documents. Since the loan period is very long, as a borrower, you should keep your contract and IOU safe.

Try to change banks, find a way to make up the loan, find a guarantee company, etc.

Try changing banks: If you can't get a loan from a bank, you might as well try again with another bank. Different banks have different limits, and the process of trial may also be different.

In addition, you might as well ask the developer for help, after all, if you don't pay the balance in full, the developer will probably be in a hurry;

Find a way to make up the loan: first confirm with the bank why the loan can't be approved, and if it's my credit or flow problem, ask if you can make up the flow again. Some banks may also offer to purchase some wealth management products to increase credit.

It is suggested that there can also be ways to improve credit through other assets or certificates of deposit, and you can also increase the down payment ratio to reduce the amount of the loan, and then apply to the bank again;

Find a guarantor: If you do want the house and you can't make up the rest of the loan, try to find a reliable guarantor. The guarantee company can help you lend you the money first, but the guarantee company will incur many additional costs, including handling fees, guarantee fees, interest fees, etc., and there are also certain risks;

If none of the above solves your loan problem, many people start to worry, what about my down payment, can the developer return it to me in full? It depends on what the contract says at the time. Under normal circumstances, if the loan is not approved due to your credit or other problems, the developer has the right to charge you liquidated damages for the down payment, and then the remaining amount can be refunded.

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

In practice, it will be dealt with according to the reasons for the failure to complete the mortgage. When adjudicating contract disputes, the court will generally give priority to the provisions in the contract. 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.

After the down payment is paid, can I check out if the loan cannot be approved?

According to Article 23 of the Interpretation of the Supreme People's Court on Several Issues Concerning the Application of Law in the Trial of Cases Involving Disputes over Contracts for the Sale and Purchase of Commodity Housing, if the contract for the sale and purchase of commercial housing stipulates that the buyer pays in the form of a secured loan, but fails to conclude a loan contract secured by the commodity 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. If the contract for the sale and purchase of commercial housing 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 the interest or deposit received to the buyer.

In short, remind everyone that when buying a commercial house, you must first seriously consider your financial ability, if you use a mortgage, you must carefully understand the procedures and requirements for applying for a bank mortgage in advance, and when signing a contract with the developer, you must carefully read all the contract terms that need to be signed to understand the legal meaning of the terms. Finally, the developer should also be required to indicate in the contract that "if the purchase of the house fails due to the failure of the bank loan applied for or the refusal of the bank loan, the payment can be waived and the payment can be refunded." "In this way, if there is no dispute over the loan due to their own reasons, they can avoid damage to their own interests.