First, why did the bank refuse the loan?
1. There is something wrong with your credit.
Check the central bank's credit report online to see if you have any of the following violations. If the applicant has the following circumstances, the possibility of getting a mortgage will be greatly reduced.
The credit card has been overdue for 6 or 3 times in a row within two years; The loan interest rate is raised, but it is still repaid according to the original month, and interest is owed; Water, electricity and gas are not paid on time; Student loans are not repaid on schedule; Providing guarantee for others, and the other party fails to repay the loan on time; Mobile phone arrears will also enter the central bank's credit report.
2, the age is not up to standard
All banks have strict examination conditions when accepting borrowers' mortgage applications. Although it is generally possible to apply for a loan at the age of 20-60, banks most welcome buyers aged 30-40. Too young to earn enough, too old, prone to illness or other risks that affect income, these are not easy to get loans.
3. The house to be purchased does not meet the requirements.
A house that is too old can't apply for a mortgage. According to the relevant regulations, affordable housing, small property houses and other houses without real estate license and state-owned land certificate for less than five years cannot apply for loans. This possibility will also occur, developers do not have the development conditions, incomplete procedures, and banks will refuse loans.
4. Incomplete application materials
Incomplete application materials are one of the reasons why most friends are refused loans. Because the authenticity and integrity of information is the primary factor to determine whether you can get a loan. If you provide false information, the bank will not hesitate to reject your application when it finds out, so don't take any chances. Of course, if the personal information filled in is incomplete and lacks some necessary information, then banks and lending institutions will not apply through you.
Second, what should I do if the loan is rejected?
1, eliminating credit stain
There are not many ways to remedy the credit stain, and generally we can only wait until the credit is automatically eliminated. For example, the overdue records of credit cards are generally only recorded within two years. Anxious buyers need to consult the bank credit department to see if they can remedy it by providing relevant materials.
2. Find other loan methods.
You can find a loan from a loan company, the loan threshold is relatively low, and the possibility of loan can be increased at the same time. You can also find a guarantee company before applying for a loan. With the guarantee of the guarantee company, your loan will be very promising.
3. Find relatives and friends to help with the loan, or shorten the loan period.
If you are over the age of applying for a loan, you can ask your relatives or friends to apply for a loan on your behalf, but only if you have the ability to repay. Another way is to shorten the loan period, that is, the monthly supply pressure will rise accordingly.