What should I do if I can’t get my mortgage loan? ——10 days of hot spot analysis and solutions
Recently, the difficulty of mortgage loan approval has become a hot topic across the Internet, especially in the context of frequent new policies and tight bank quotas. This article will combine the hot data of the past 10 days (October-November 2023) to structurally analyze the reasons and provide response strategies.
1. Statistics on hot topics related to mortgage loans across the Internet (last 10 days)
| platform | Hot search keywords | Number of discussions (10,000) | Core pain points |
|---|---|---|---|
| #mortgageapprovalfailed# | 28.5 | Insufficient proof of income | |
| Tik Tok | "Banks suddenly stopped lending" | 15.2 | Impact of policy changes |
| Zhihu | Home loan rejection remedies | 9.8 | Credit Repair Plan |
2. Three Frequent Reasons for Mortgage Rejection
1.Personal qualification issues (accounting for 42%)
• Bad credit record (overdue credit card, multiple online loans)
• Income flow is less than twice the monthly payment
• Unstable workplace (e.g. freelance work)
2.Banking policy adjustments (accounting for 35%)
• Credit lines tighten at year-end
• Some banks have suspended second-hand housing loans
• LPR changes lead to interest rate fluctuations
3.Housing problems (accounting for 23%)
• The house is over 30 years old
• Small property rights housing/resettlement housing
• Appraisal price is lower than transaction price
3. 6-step solution (with success case data)
| step | specific measures | Improved success rate |
|---|---|---|
| 1. Check the reasons for loan rejection | Request a written explanation from the bank | 100% (basic) |
| 2. Repair credit report | Clear overdue debt/reduce debt ratio | 47% |
| 3. Supplementary materials | Add co-payers | 68% |
| 4. Change bank | Choose small and medium commercial banks | 52% |
| 5. Guarantee intervention | Find a guarantee company | 35% |
| 6. Negotiate termination of contract | According to the force majeure clause of the contract | 29% |
4. Special policies for hotspot areas (latest as of November 2023)
•Shenzhen:Some banks have opened a "green channel", and provident fund deposits for three consecutive years can be given priority for approval.
•Hangzhou:Launch "pre-review service" and provide preliminary results within 3 working days
•Chengdu:The interest rate for first-time home buyers is reduced to 3.8%, but 6 months of social security statements are required.
5. Expert advice
1.Prepare 3-6 months in advance:Maintain good credit records to avoid frequent inquiries
2.Multi-channel application:Connect with 2-3 banks at the same time to compare interest rates and loan speeds
3.Legal protection:When signing the house purchase contract, indicate the clause "No liability to terminate the contract if the loan fails"
According to the latest data from the central bank, the average national mortgage loan approval cycle has been extended to 45 days in October 2023 (28 days in the same period last year). It is recommended that home buyers make a capital plan to avoid disputes caused by delays in loan disbursement.
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