Now many families are forced by economic pressure. When they really need to buy a house, they can only rely on bank loans. However, banks also have certain standards when approving loan business. Not everyone can get a loan after submitting a loan application. Many friends asked, what if they can't get a loan to buy a house? Why is bank loan difficult this year?
1、 How to buy a house without a loan
1. First understand the specific reasons
After the buyer applies for a loan, if the bank does not reply for a long time, the buyer can communicate with the bank clerk to understand the reasons for the delay in approving his loan. If the problem lies in the buyer's own credit, running water, liabilities, etc., it is suggested to increase the amount of down payment, reduce the amount of loan application, and apply for a loan from the bank after the materials are fully prepared.
2. Change to another bank
If the buyer submits new materials and the loan bank still does not approve the loan, it might as well change a bank. Different banks have different regulations and reviews on loan conditions. Maybe the same conditions have been passed in other banks.
3. Find a guarantee company
The qualification of house buyers is very important for handling bank loans. If the qualification of house buyers is not good, you can also find a guarantee company for loans. It should be noted that the costs involved will be higher than those directly to the bank loan. Because the guarantee company not only needs the borrower to pay handling fees, but also needs to pay guarantee fees, interest fees and other expenses.
4. Refund of down payment
Some friends feel that if they can't get the loan, they don't want to buy a house. At this time, they should consider returning the down payment. If the buyer wants to return the down payment directly, they can only negotiate with the owner, mainly in the hope that the contract can be terminated, so as to achieve no breach of contract, no responsibility and compensation. If you don't want to, you can agree on the compensation. The details depend on how you negotiate.
2、 Why is bank loan difficult this year
1. Increased demand for loans
Compared with some other financial institutions, bank loans can be said to be low-cost and high-quality. Even if the loan is not paid back, the worst result is that the assets are confiscated by the bank, and there will never be a phenomenon of huge profit collection. So many people are scrambling to go to the bank for loans. Those with poor qualifications can only be despised.
2. Banks are supervised
In fact, banks also have many assessment indicators, and the loan amount is limited. They don't put as much as they want. In addition, if there is no way to recover the loan funds and form bad debts, it depends on the provision of funds to cover them. Therefore, the loan issue is not to refuse anyone, but to screen high-quality loan customers at different levels.
3. Banks are also profit-making institutions
The main income of banks is the interest margin income. Generally, many banks are unwilling to release their own funds, but entrust the funds to other institutions instead of themselves. In this way, they can earn more. If the bank's performance is too ugly, its revenue and net profit indicators are not up to the end of last year, and there are too few dividends, it will not be able to pay the difference to shareholders and will be abandoned by shareholders, which will force the bank to find more high interest channels to lend money.