In the process of buying a house, a large number of people have opted for loans to finance their problems. Thus, the mortgage repayment scheme has become an important issue for home buyers. However, in some cases, although a detailed repayment plan had been developed, there had been instances where the planned release had not taken place. This is undoubtedly a problem for home buyers and therefore needs to be analysed from multiple angles。

A mortgage repayment plan but no loan

First, the repayment plan but not the loan may be due to the rejection of the loan application. Banks, as suppliers of loans, perform a comprehensive assessment of applicants, including personal credit records, income levels, etc., when reviewing applications for loans. Banks may refuse to lend if the credit record of the buyer is poor or if income is unstable. At this point, the buyer needs to re-evaluate his/her financial position so as to adjust the repayment plan or find alternative sources of credit。

Second, a repayment plan without a loan may also be linked to the owner ' s own problems. In some cases, the purchaser may be negligent or negligent in the application for a loan. For example, the loan materials completed were incomplete or the supporting documentation submitted was missing. These problems can lead to delays or rejection of loan applications. Therefore, when applying for a loan, the purchaser needs to scrutinize the required material and ensure its completeness and accuracy。

In addition to this, home buyers should be aware of possible problems in the banking process. In some cases, banks may have lengthy approval periods and cumbersome processes in the process of lending. This may lead to delays in the lending of loans beyond the expectations of the buyer. In this case, the buyer needed to maintain communication with the bank, move the release money forward and wait patiently。

In addition, policy considerations may lead to repayment plans not being released. Government policy on housing markets, mortgages, etc. has often changed. When a change in policy has an impact on a home buyer ' s application for a loan, the bank may need to adjust, resulting in a delay in the lending of the loan. Buyers should take policy considerations into account when choosing their loan options and should be mindful of changes in relevant policies。

In the light of the above, the loan repayment scheme but the non-lending is one of the situations that buyers have to face and address. The buyer needs to analyse the causes of the problem in many ways and to take measures accordingly. The purchaser should start with personal credit records, materials preparation, communication with the bank, etc., to ensure that the loan application can be loaned smoothly。