If the credit card is overdue, if the buyer has signed a loan contract, but the bank has not yet lent money, the bank will raise the mortgage interest rate and refuse to lend money.
Increase new large consumer loans. If a large amount of consumer loans are added (including JD.COM White Stripes and Ant Flowers), the mortgage bank may require the buyers to provide new asset certificates, thus further affecting the lending speed.
Making secured loans for others and making secured loans for others will also affect personal credit reporting, leading to slower lending.
Provident fund buyers will pay provident fund at will during the non-loan period.
Change jobs, because the bank may call the buyer's work unit to verify the income information based on the personal information provided by the buyer.
1. solution:
If the mortgage loan cannot be approved, it needs specific analysis. If the loan cannot be issued in time due to third-party reasons such as banks, the developer should not charge liquidated damages. If loans overdue is caused by the borrower, the responsibility shall be borne by the purchaser. If it is caused by the developer, it is not a breach of contract by the purchaser.
2. Legal basis:
According to the Contract Law of People's Republic of China (PRC)
Article 116 Where the parties have agreed on both liquidated damages and deposit, if one party breaches the contract, the other party may choose to apply the liquidated damages or deposit clause.
Article 117 Where a contract cannot be performed due to force majeure, it shall be exempted from liability in part or in whole according to the influence of force majeure, unless otherwise stipulated by law. If force majeure occurs after the delay in performance, the parties concerned cannot be exempted from their responsibilities.
Force majeure as mentioned in this Law refers to unforeseeable, unavoidable and insurmountable objective circumstances.
Article 118 If one party is unable to perform the contract due to force majeure, it shall notify the other party in time to reduce the possible losses to the other party, and shall provide proof within a reasonable time.
Article 119 After one party breaches the contract, the other party shall take appropriate measures to prevent the loss from expanding; If appropriate measures are not taken to expand the losses, no compensation shall be claimed for the expanded losses.
The reasonable expenses incurred by the parties to prevent the loss from expanding shall be borne by the breaching party.