; ? Now, more and more people apply for mortgage loans. Many people will be rejected by the bank when they apply for a mortgage. How to remedy a friend who has been refused a mortgage application? Here, I will tell you in detail what to do.
For a friend whose mortgage is refused, there are three measures to remedy it. These four measures are: increasing the down payment ratio, extending the repayment period, extending the repayment period and providing guarantee. The specific remedial measures are as follows:
1, increase the down payment ratio
If the application for mortgage is rejected, the down payment ratio can be increased and the total loan amount can be reduced. In this way, everyone's repayment pressure will be much smaller and the probability of applying for a loan again will increase a lot.
2. Extend the repayment period
For friends who have refused to apply for a mortgage, they can also remedy it by extending the repayment period. The longest loan period provided by the bank is 30 years. You can appropriately extend the repayment period and reduce the monthly repayment amount, thus improving the mortgage pass rate.
3. Add * * * to the credit.
For friends with insufficient repayment ability, you can add borrowers, such as spouses and parents. In this way, banks will also apply for mortgages through everyone's loans.
Step 4 provide a guarantee
In order to remedy the rejection of mortgage, everyone can take the initiative to increase protection. There are many guarantee companies that can provide guarantees for everyone, but they need to pay a certain guarantee fee.
Through this article, we should know how to remedy mortgage refusal. For friends whose mortgage is rejected, the above four methods are all good choices.
What if the house loan is rejected?
; ? Recently, more and more people have borrowed money to buy a house, but not everyone will be approved to apply for a loan. Many people were rejected when they applied for mortgage loans. What should we do at this time? Next, I would like to introduce to you what to do if the mortgage is rejected.
1, personal loan repayment ability certificate
If it is because the personal wage income does not meet the requirements of the bank, it is impossible to apply for a mortgage smoothly. You can provide the bank with other income certificates except salary income. Such as housing lease contract, dividend income certificate, etc. You can also prove to the bank that you have enough repayment ability by using property certificates such as real estate, securities, jewelry and art collection.
2. Change the main lender
If it is because the borrower bought more than one house with a loan, or the borrower is too old, you can apply to the bank to change the main lender. Parents, children or other immediate family members are the main lenders who provide repayment. As a participant in the loan, the borrower participates in the repayment of the loan, thus ensuring your successful application for mortgage.
3. Multi-channel application
If it is because the second-hand house is too old, or it is impossible to issue a personal tax bill to the bank to prove the authenticity of the income. Might as well take advantage of different bank loan regulations and try another bank. You can negotiate with the developer or intermediary company and go to a non-designated bank for remortgage business through the guarantee company.
4. Solve personal credit problems.
If you refuse a mortgage because of a bad personal credit record, you must solve this problem. Credit problems mainly focus on credit cards, or forget to repay after consumption; Or the card is thrown aside after it is issued to generate an annual fee, but I don't know.
If it is the former, it will be more troublesome. At this time, you should personally pull down the credit information, communicate with the loan bank, or seek the help of a professional mortgage consulting company. If it is overdue for less than one month and the number of times is less than 6 times, sometimes it can be communicated and discussed; However, if it is overdue for more than one month and the number of times is relatively large, it will be a pity, and ordinary banks cannot do it.
If it is the latter, at this time, you must communicate with the credit card bank. Don't lose your temper because of the negligence of the bank. Communicate well, and the bank may help you cancel the overdue record.
What if the mortgage application is rejected?
First of all, answer directly.
If the mortgage approval fails, you can try the following methods.
Second, the specific analysis
1. If you think your qualifications are not too bad, it is because the credit line of the original loan bank is tight, which leads to the failure of mortgage approval. You can try to apply for a mortgage from another bank. As long as your qualifications meet the requirements of the bank, there is no problem in doing so.
Here you need to confirm that your qualifications are excellent. If it is because of your qualifications, even if you change the loan bank, it will still lead to the failure of mortgage approval.
2. Increase the down payment ratio. If your income can't meet the requirements of the bank, you can increase the down payment ratio, so you can apply for less mortgage and reduce the monthly payment. After the monthly supply is reduced, the bank's requirements for income flow will naturally decrease.
3. Buying a house with a lower total price will increase the expenditure if the income is not enough, so the economic ability may not necessarily support raising the down payment, so you can try to buy a house with a lower total price, which can reduce the bank loan amount under the premise of keeping the original down payment unchanged, and also reduce the bank's requirements for its own income.
4. Change the mortgage lender When the husband and wife buy a house and apply for a mortgage, the bank will check the credit information of both husband and wife. If one of the parties has a credit problem and is the main lender, it will have a great impact on the mortgage approval. In this case, both husband and wife can discuss the replacement of another credit information to better apply for a mortgage as the main lender and improve the mortgage pass rate.
5. Improve your qualifications You can improve your comprehensive qualifications by increasing your income and reducing the debt ratio, so that your conditions can meet the requirements of bank mortgage, and then go to the bank to apply for a mortgage when your qualifications get better.
6. Restructure loan information. If the loan information fails to pass the examination and approval, it is necessary to ensure the accuracy of the loan information, and correct or supplement the wrong or omitted loan information according to the requirements of the bank. In addition, make sure that the loan information you provide is not false.
7. Buying a house by another developer is sometimes not the reason for the failure of the mortgage. If the certificates and qualifications of the corresponding developers are not complete, it will also lead to the failure of bank approval. For example, the property has not obtained the pre-sale certificate or the risk of the developer is too high. Due to compliance requirements, banks will not lend money for these projects with incomplete documents.
In this case, you can find some houses launched by big developers with excellent qualifications and complete documents, which is not only conducive to loan approval, but also can avoid the risk of handing over houses as much as possible.
8. Find a third party to guarantee yourself. If the qualification makes the bank worry, you can contact the bank and ask if you can find some third parties with better qualifications to guarantee loans for yourself. The higher the guarantor's income and the more stable his job, the more likely the bank will agree.
9. choose to buy a house in full. If the mortgage approval is really unsatisfactory, you can choose to buy a house in full under the premise of economic conditions. Of course, this requires your own financial ability.
It can be seen that there are many reasons for the failure of mortgage approval, and different reasons also have different solutions. In order to avoid the trouble caused by mortgage failure, you should consult in advance before applying for mortgage.
Online loan users can also check their credit qualifications by docking third-party big data risk control platforms, such as Beijian Quick Check and Sesame Credit. The former has established data cooperation with more than 98% online lending institutions in the market, so its query results are very accurate. Intuitively, you can not only know your own big data and credit situation, but also get various indicator data. The blacklist data of online loans is shared by most loan platforms, which means that if the borrower fails to pay back the money on one platform, such bad records will also be made public on other loan platforms, so everyone must be careful to maintain their online loan credit, otherwise they will not be able to obtain online loan products with good personal credit when they encounter economic crisis again.
Third, is it automatic to deduct the housing provident fund to offset the loan repayment?
Hedging repayment of provident fund is automatic deduction. As long as the balance of the provident fund account is sufficient and the hedging repayment agreement is handled, the provident fund center will automatically deduct the current bill before the repayment date expires, without taking the initiative to operate.
You can use the provident fund to repay the mortgage principal and interest, but when applying for hedging repayment, you need to meet the following conditions and meet the requirements of the provident fund center.
1, good credit.
2. The balance of the provident fund account is sufficient.
3. The status of the provident fund account is normal.
4. The provident fund has been continuously deposited 12 months.
5. Signed a hedging repayment agreement.
After signing the hedging loan repayment, it doesn't mean you don't have to worry. If the monthly deposit amount of the provident fund is lower than the monthly repayment amount, this situation will lead to less and less balance of the provident fund account, so you need to pay attention to the balance of the provident fund account at any time. If it is found that the balance is not enough to repay the current mortgage, it is necessary to make up the insufficient part in time and try to avoid overdue.
What if I can't buy a house with a loan?
First of all, answer directly.
If you can't get a house loan, I suggest the following.
Second, the specific analysis
1. Call the service hotline of the handling bank, contact the customer service staff through the manual service channel to find out the reasons for the rejection of the mortgage, or you can directly bring your personal ID card to the offline business outlets of the handling bank to ask the staff for advice.
2. After finding out the reasons for the rejection of the mortgage, if the problem is not difficult to solve, you can take corresponding measures to deal with the problem, and then try to apply for a mortgage, which may be successful; If you can't answer the question, you can only choose to check out.
If you want to query the online loan data report, you can find it in: Beijian Quick Check, and you can view the user's application times, online loan data, online black index score, hit risk warning, court prosecution information, arbitration case information, dishonesty information and other data. And the queried data is very accurate and comprehensive.
Third, what is the reason why the mortgage can't be done?
There are many reasons why the mortgage cannot be done.
1, personal credit difference and bad information are recorded in the credit report.
2. Due to frequent borrowing and excessive borrowing, there is a situation of long-term borrowing, and the credit information has been "spent", and the personal debt ratio is quite high.
3. The information provided is incomplete or incorrect, which is inconsistent with the real situation.
4. The tap water provided by banks is insufficient (banks generally require the monthly income of tap water to reach more than twice the monthly mortgage repayment).
5. Bank lending funds are tight.
6, real estate developers have problems, such as incomplete documents, do not have the qualification to sell houses and so on.