What should I do if the down payment for buying a house has already paid off the mortgage loan but it is not in place?

In China, houses are very important and huge things for us. Many people work hard just to buy a house of their own. However, the current housing price is very high, and a house in a third-tier city needs hundreds of thousands, and the area is not very large, so many people do not have the ability to buy a house in full, so they basically choose mortgage loans to buy a house.

What exactly is a mortgage? Simply put, use enough houses as collateral, handle installment payment, and wait until the loan is fully settled. This house is really yours. Although there are enough houses to guarantee mortgage loans, not everyone can handle them. Banks should also know whether the qualifications of lenders meet the requirements. If the lender fails to meet the requirements, it will be rejected by the bank.

Many homebuyers paid down payment and down payment, but they were turned away by banks when they applied for mortgage loans. Most people are at a loss in this situation and don't know what to do. Some people even think that down payment loans and down payment loans have already hit Shui Piao, but this is actually a worry. So what if the down payment is paid and the bank mortgage loan is rejected?

Let's talk about remedial measures first, because after all, as a property buyer, the initial wish must be to buy a house. Under normal circumstances, the bank will pay. If you are rejected, you must have your own reasons. Only by knowing the reason can we "prescribe the right medicine".

The first is the old-fashioned question, credit reporting! Credit information! Credit information!

Nowadays, many young people don't take credit information seriously. They often borrow some online loans, even if they are overdue. Let's not talk about "7 14 anti-aircraft gun". Many other online loans are credit information, and credit cards are definitely credit information. If you don't take good care of your credit information, it will be very difficult to apply for a loan in the future.

At present, the standard for major banks to handle loan review and credit reporting is that in the last two years, there are no more than six overdue loans and no repayment for more than three months. Some banks even stipulate that the number of credit inquiries should not exceed four times within six months. If it is a credit problem, how to remedy it?

There is no good way to do this. Only then will bad credit be covered. If it is a "bad debt", it will not be eliminated. If there is a problem with credit reporting, you can try to apply to the bank with your family as the borrower and yourself as the repayment object.

Banks with insufficient running water will also be rejected.

Banks that handle loans also need to check the borrower's bank flow. After all, running water can prove that you have a stable income and repayment ability. Of course, running water is not enough, at least twice your monthly payment.

The solution is to provide more proof of running water, and running water under the spouse's name can also be used. If it is still not up to standard, you can wait for a period of time to create higher running water during this period. Specific methods can be consulted by professionals.

If your debt is too high, you can't apply for a mortgage.

General banks require lenders to have a debt ratio of no more than 50%, no more than 4 outstanding loans and no more than 50% credit card overdraft limit. If the debt ratio is too high, they can't apply for a loan and are easily rejected. The solution is to find ways to pay back the money as soon as possible. If the funds are insufficient, you can borrow from friends and relatives first and cancel the bank loan.

If all attempts are rejected, you can only give up, and the down payment will be fully refunded to the buyers, but the down payment on the house may not be fully refunded. After all, the sales office will charge a certain penalty. Therefore, if you want to buy a house, you must consult whether you are eligible for a loan, otherwise the bank may not approve the loan.