Xiao Bian received a call from a friend yesterday: "last year, I ordered a house in a city, and the down payment was also paid. But when I applied for a house loan, I was refused and couldn't get the loan. Could you refund the down payment if I don't buy a house? It's true that this kind of problem is not an individual case. Many friends have encountered similar things. So today we'll talk about the problem of "what can we do if we can't handle the down payment loan?".
1、 Down payment of the loan can not do down how to do
1. Try another bank
If you can't get a loan from one bank, you might as well try another. Generally speaking, different banks have different quotas, and the trial process may also be different. Therefore, this bank can't do it. Maybe it can do it in another bank.
In addition, when you encounter a down payment of the loan can not do down how to do the problem, you might as well ask developers to help. After all, you have not paid the balance of the house, the developer is estimated to be very anxious, and will try to help you.
2. Try to make up the loan
When you encounter the problem of "how to handle the down payment loan", you can first confirm with the bank why the loan can not be approved. If it is my credit or flow problem, ask if you can make up the flow again. Because some banks may also propose to buy some financial products to increase credit.
In addition, Xiaobian also suggests that credit can be improved through other assets or deposit certificates. Of course, you can also increase the down payment ratio and reduce the loan amount, and then apply to the bank again.
3. Looking for guarantee company
If you really want to buy this house, and you can't make up for the rest of the loan, you can also try to find some reliable guarantee companies. Under normal circumstances, the guarantee company can help you to lend the money to you first, but the guarantee company will incur many additional costs, including handling fees, guarantee fees, interest fees, etc., and there are also certain risks.
2、 If the loan can't be handled, can the down payment be refunded
If none of the above can solve your loan problem, many people begin to worry about it. What about my down payment? Can the developer return the full amount to me? In fact, on this issue, it depends on how you signed the purchase contract.
In this case, it is because you do not need to negotiate with others. After all, the responsibility lies in the buyers themselves. Whether the down payment can be made depends on the attitude of the developers.
3、 In order to avoid the situation that the loan will not come down, you need to be prepared with these
Of course, no one wants to see the situation that the loan can not be approved. Therefore, the following preparations should be made before buying a house:
First of all, we must inquire about credit information. In general, before buying a house and signing a contract, the developer will ask you to check the credit first, and then carry out the follow-up work after confirming that there is no problem.
Secondly, we must know more about policies. For example, before buying a house, we should know more about whether banks can still borrow money now. Especially in hot cities, when the policies are tightened, some banks are very short of loans. Therefore, before buying a house, we must learn more about the policy of loan to buy a house.
In fact, there are still a few bank loans that can't be approved. As long as you have no problems with your income and credit, you can generally approve them. If you really can't approve the loans, you can only find a solution. I hope the above methods can help you, we'll see you in the next article.