Generally speaking, second-hand housing loans are easy to reject, after all, there are too many problems, such as the house has not yet paid off the loan; the house is too old and the value is too low; there are problems with the property rights of the house... In view of this, buyers will choose a new home so as not to affect their mortgage! However, do you think that a new home will definitely be able to get a mortgage? In fact, this is a big mistake! Here, what xiaobian wants to say is that the mortgage of the new house has been rejected? It must be inseparable from the following 5 reasons, you must correct it in time!
Rooms are already available
1. Existing housing in the name
At present, the property market regulation policy has not been completely relaxed, and when applying for a mortgage, banks will most likely check the housing situation under the borrower's name. If the borrower already has more than 2 houses in his name, the bank will directly refuse the loan when applying for a mortgage again! Under normal circumstances, the number of houses is calculated according to the family, in other words, when the husband has more than 2 houses in his name, even if the wife does not have a house in his name, it is impossible to make a loan to buy a house!
2. The borrower is older
In general, the older the borrower, the more risk he or she will be from overdue. Therefore, in order to reduce the risk of bad debts, banks generally impose age limits on borrowers, and when they are over 65 years old, borrowers cannot obtain mortgages! Therefore, when you apply for a mortgage, it is best to let the members of the family who are in the golden age to handle it!
Loan fraud
3. There is fraudulent loan behavior
For the loan amount, it is not as long as the borrower wants to borrow! If the borrower applies for a loan, there is a situation of inflating the loan amount, which will increase the risk of bad debts of the bank, at this time it will be recognized as a fraudulent loan, and eventually you will face the "disaster of imprisonment"!
4. The developer is not qualified
In addition to the buyer's own factors, if the developer also has problems, it is impossible to obtain a mortgage! For example, when the developer's five certificates are incomplete, the buyer cannot apply for a mortgage! Therefore, when buying a house, we must pay attention to choosing those developers with complete qualifications!
Falsification of information
5. Forge the loan application information
When applying for a mortgage, the bank will require the borrower to provide true and complete loan application information. If your loan application information is fraudulent, then the bank will not provide you with a mortgage, and even you will not be able to get a loan in the future!
In this era of high housing prices, mortgages are the dependence of buyers to realize their housing dreams, if they can't get a mortgage, they will lose the qualifications of being a house slave, which is very hard! Finally, Xiaobian would like to remind everyone that the mortgage of the new house has been rejected? It must be inseparable from the above 5 reasons, you must correct it in time!