However, it should be noted that there is no news of mortgage at present, and it may only be under review. Because of the delay of the bank, there has been a phenomenon of waiting for loans, and the progress has not changed. However, after waiting patiently for a period of time, the approval results may come out. If the approval is passed and the mortgage is successfully handled, there is naturally no need to check out.
Moreover, the purchase contract has been signed. If you choose to check out, you may have to pay a certain penalty. It is estimated that the previous down payment will not be fully refunded.
So I suggest you call the bank customer service first to see what's going on. If it is still under review, please wait patiently.
If the audit fails in the future, it is not too late to plan to check out again.
Of course, after the mortgage is rejected, you can also try to find out the reason and re-apply after solving the problem.
Of course, if the reason why the mortgage is not approved comes from the developer, then there is no problem in choosing to return a house, and the down payment can generally be fully recovered.
If you are facing the problem that online loans are overdue and being collected, I suggest you go to Xiaoqi Credit Information to get a detailed big data report, understand your overdue records, classify your online loans, and distinguish between formal loans with credit information and informal loans without credit information. If you want to pay back the money, but the funds are insufficient at present, I suggest you negotiate with the online lending platform to give priority to repaying formal and reputable loans and minimize the impact on yourself. This will not only improve your credit, but also help you apply for other loans in the future.
Extended data:
Should both husband and wife check the mortgage credit report?
Those who apply for a mortgage after marriage belong to both husband and wife. When applying, the bank will check the credit report of both husband and wife.
If one party's credit report does not meet the requirements, it will directly lead to the failure of mortgage review.
Banks will only check the applicant's personal credit report when they apply for a mortgage in their own name before marriage.
It should be noted that when couples apply for a mortgage, it is generally recommended to choose the party with high income, good credit information and stable income as the main lender of the mortgage, because the bank is mainly the main lender to review the mortgage.
As for subprime loans, as long as the personal credit is good.
At the same time, applying for a mortgage requires both husband and wife, one of whom cannot be present, and must also provide a certificate of entrustment.
When a couple borrows money to buy a house, they also need to agree on how to allocate the share of the real estate, especially if only one person's name is written on the real estate license to avoid disputes in the future.
Since the mortgage applied for after marriage belongs to the joint liabilities of husband and wife, it is necessary to consider the share allocation when lending.