住宅ローン審査で落選!どうすれば?

住宅ローンの審査で「否認」となったら、誰しも落ち込むものです。万一、どの金融機関の審査も通らなければ、夢のマイホームはあきらめなければなりません。前へ進むためには、何が必要なのでしょうか。

きちんと「落選」原因を調べる

「下手な鉄砲も数撃ちゃ当たる」ではありませんが、審査に通らなかったからといって、ほかの金融機関に手当たり次第に申込みを入れるんはナンセンスです。融資のための審査は金融機関ごとに基準が異なりますので、同じ申込人でも金融機関が変われば何事もなく通過することがあります。反対に融資の条件が整っていない状態(篆書億して日が浅いなど)なら、どの金融機関に申し込んでも結果はあまり変わりません。

いずれにしろ、問題は、審査を受けたという事実が個人信用情報会社のデータに残るということです。何社かに審査をお願いしたものの「落選」が続いていれば、当然ほかの金融機関はあなたに悪い印象をもつでしょう。また、個人信用情報に問題があると分かると、最初の審査からしばらく日を開けても、同じ金融機関では再審査すら叶わなくなるリスクもあります。

審査に承認されなかった場合、最も大切なのはまず「落選」の原因を探ることです。といっても、金融機関に直接問い合わせても、「総合的な判断です」といなされるのがオチでしょう。

では、どうするか?審査に通らなかった連絡を受けたときでも、あるいは日を改めてでもいいのですが、次のような質問を金融機関にしてみます。

  • 借入希望額を減らしたらどうでしょうか?
  • 申し込む時期をずらしたらどうでしょうか?
  • 物件を変えたらどうでしょうか?

これで「落選」原因にある程度のアタリはつきますし、再挑戦の可能性の有無もある程度分かります。

お金を貸したくなるような調整を施す

金融機関は、基本的には住宅ローンを貸したくて仕方ありません。条件さえ整っていれば、誰にでも貸してくれます。裏を返せば、一度は審査に通らなかった人でも、時間をかけて問題を解決し、条件がきれいに整えられれば必ず借りられるということです。
審査の基準は、個人属性・返済計画・物件の担保価値が、その三本柱です。収入が不安定な人であれば安定するまで待つ、借入希望額が多い人なら自己資金を増やし、借入額を減らすなどして、毎月の返済負担を減らすことです。ほかでつくっている借金が多ければそちらをきちんと返済しつつ、しばらくは借金のない実績を積んでいきます。連帯債務にする場合は、相手の状況も改善する必要があるかもしれません。物件についてh、価格の妥当性や担保評価額、権利関係の問題をクリアします。中古住宅などで現在の耐震基準に満たない場合は、耐震工事を行うなども検討しなければなりません。

金融機関のブラックリストを調べる

弊社の経験では、審査に通らない人の8割は「個人情報の事故歴」が原因です。
ここでいう事故とは、過去の延滞・代位弁済・任意整理・民事再生・自己破産などのことで、延滞のなかでも返済を2~3ヶ月できなかった事実は、個人信用情報のデータに「異動」というステータスでチェックされ、問題があったと重く見られます。
こうなると金融機関からの借入はほぼ絶望的。ただし、このような情報は、延滞が解消してから5~10年後には消されるようです。

ご相談は無料です。

マンション、土地、一戸建の居住用不動産のほか、投資用不動産や、事業用不動産もお任せください。また、権利関係の難しい借地権や底地権などの不動産についてもお気軽にご相談ください。

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