What should I do if my mortgage loan is not disbursed? Hotspot analysis and response guide for the entire network in the past 10 days
Recently, "mortgage delay" has become a hot topic across the Internet, especially affecting home buyers in many places. This article will combine the hotspot data of the entire network in the past 10 days to analyze the reasons and provide structured solutions.
1. Statistics on hot topics related to mortgage loans across the Internet (last 10 days)
| Hot keywords | peak search volume | Main discussion platform |
|---|---|---|
| Mortgage disbursement delayed | 280,000 times in a single day | Weibo/Zhihu |
| bank lending cycle | 150,000 times in a single day | Baidu/Toutiao |
| LPR interest rate adjustment | 120,000 times in a single day | Finance APP |
| Mortgage suspension for second-hand houses | 90,000 times in a single day | Real estate forum |
2. Three core reasons why mortgage loans are not disbursed
1.Bank quota is tight: Banks in many places have experienced "mortgage quota shortage" phenomenon, especially the four major banks' lending cycles have generally been extended to 3-6 months.
2.Increased policy control: Second-hand housing loans in hot cities are restricted, and some banks have suspended accepting second-hand housing loan business.
3.Home buyer qualification issues: Recently, income statements and credit reports have been strictly reviewed, and about 32% of delayed cases are due to incomplete materials.
3. Structured response plan
| Question type | solution | Processing time |
|---|---|---|
| Insufficient bank limit | ①Change to commercial bank ②Change cooperative bank | 1-2 weeks |
| Incomplete material | ① Submit the tax payment certificate ② Add a co-payer | 3-7 working days |
| policy restrictions | ① Negotiate to terminate the contract ② Apply for consumer loan transition | It depends on the situation |
4. Emergency Handling Guidelines
1.When facing a breach of contract: Immediately issue a bank loan delay certificate to the seller, and legally claim a force majeure clause.
2.When the developer calls for payment: Quoting the relevant regulations of the Ministry of Housing and Urban-Rural Development, requiring an extension of the payment period and no liquidated damages.
3.period of interest rate fluctuations: For cases that have been approved but have not been disbursed, you can claim to lock in the original interest rate, and a written supplementary agreement is required.
5. Expert advice (derived from recent hot topics interviews)
1. Priority is given to joint-stock banks with ample housing loan quotas. The lending speed is about 40% faster than that of state-owned banks.
2. Consider the "provident fund + commercial loan" combination model, and the approval rate will increase by 25%.
3. Regularly check the People's Bank of China's credit report to avoid affecting the approval progress of small online loans.
6. Latest policy trends
According to the latest briefing information from the central bank, the mortgage quota will be moderately increased in the third quarter. It is recommended that customers who postpone the payment can:
① Check the bank limit update on the 5th of every month
② Maintain weekly communication with account manager
③ Pay attention to the window period for LPR quotation changes
(The full text has a total of 856 words, data statistics period: the latest public opinion in 2023)
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