What if the bank settles the loan?

The bank suddenly asked to settle the loan! What should we do?

Recently, China Banking Regulatory Commission (CBRC) strictly investigated the use of loans, but the use was not handled properly. The loan funds already obtained will be forcibly recovered by the bank, requiring settlement and additional penalty interest.

Recently, many customers reported that they had received the news: "Please upload the use certificate within 1 month after the loan is issued, otherwise the bank has the right to ask for early settlement of the loan and charge a penalty interest."

Other customers receive text messages directly: "Dear customers, hello! The illegal use of the loan you recently applied for has been systematically monitored as being used to repay the loan or flowing into illegal areas stipulated by China Banking and Insurance Regulatory Commission, such as real estate and stock market. Please settle all illegal consumer loans within three working days after receiving the text message. "

Anyone who has made loans will know that loans are for the purpose of loans. At the same time, the loan funds can't all be used for buying a house, speculating in stocks, repaying credit cards, investing in antiques, flowing into private lending and other fields and industries that are explicitly prohibited or restricted by the state. Otherwise, the bank has the right to demand immediate repayment and settlement of the loan.

Banks have such requirements and have such requirements. How to face and deal with it?

First, we should avoid improper use of loans. Especially the mortgage. Shenzhen real estate mortgage is tens of millions. If you don't pay attention to the rational use of loans, it will definitely lead to problems. Consumer loans, we generally say, are used to decorate houses, buy high-end furniture and appliances, or buy luxury goods. Because the amount is relatively small, it is easy to solve. However, the amount of real estate mortgage is huge, which requires reasonable loan use. At this point, it is no longer possible to provide completely asymmetric loan purposes.

Second, actively cooperate with the inspection and supervision of bank account managers. Generally speaking, even if the bank finds your investment or false information, it will issue a warning before taking action; If improper use is found, you will be asked to fill in the loan purpose first (provide a valid invoice). As long as it is not too blatant, the money will be used illegally as soon as it is obtained. Basically reasonable planning, banks will still turn a blind eye. Therefore, it is generally not a problem to provide a reasonable purchase and sale contract before the loan and actively cooperate with the inspection and supervision of the bank account manager later.

3. Abide by national laws and regulations, do not do anything that violates national laws and regulations, violate the law, do not involve pornography, gambling, drugs, and are not easily involved in legal disputes and lawsuits. Because once the bank finds that you have violated the law and involved a lot of economic disputes, for the safety of the loan funds, the bank will also ask you to settle the loan in advance.

Fourth, repay the loan on time, and don't deliberately overdue it. At present, the country has entered the credit society in an all-round way, and all bank loans will be reported to the People's Bank Credit Information Center every second. Therefore, once overdue, the credit report will immediately show overdue. Moreover, the bank will manage the loan regularly and check your credit report regularly. Once a major overdue is found, the bank will also check it. In order to avoid risks, you will be asked to settle accounts in advance. After all, banks are also profit-oriented financial institutions. If they find the risk, they will only "add insult to injury" instead of "providing timely assistance". Of course, in the event of economic stress, it is best to communicate with the bank in advance to apply for deferred repayment.

Don't suddenly increase too much debt. Many banks evaluate the debt ratio of customers. If customers' debts increase sharply, banks will also consider risk control. In particular, a lot of small online loans with high interest rates have been added. Then customers can easily enter the endless cycle of raising loans with loans and become high-risk customers. If the debt is high, the interest on the amount to be repaid every month will be much higher. If the customer can't afford it, it will easily lead to the overall overdue.

In the first half of this year, the state seized a large number of enterprise accounts, and the supervision of capital flow was particularly strict. At present, Shenzhen must make an appointment in advance to withdraw more than 200,000 yuan, and register for use (interested friends can read my article a few days ago, which is not detailed here). Even cash withdrawals must be supervised, not to mention large loan funds.

Therefore, going to the bank for a loan does not mean that the money can be used once and for all. It is also very necessary to use the loan funds reasonably in the later period to ensure a good record of timely repayment. Every lending bank will be systematically tested and supervised by the China Banking Regulatory Commission, so don't take any chances, or if you are not careful, the bank will demand to recover and settle the loan, which is not worth the loss.

How to handle the bank loan settlement certificate?

Just bring your ID card to the loan bank. Different loan products issue different loan settlement certificates, and different banks have different regulations on loan settlement certificates. Loan settlement includes normal settlement and early settlement. Different loan settlement methods have different ways to issue loan settlement vouchers.

Normal loan settlement: When the last loan is settled, I will take back the mortgage certificate or related documents with my valid ID card and the loan settlement certificate issued by the loan bank, and go through the mortgage registration cancellation procedures with the loan settlement certificate.

Early loan settlement: The borrower needs at least 15 days to apply to the loan bank, repay the loan at the designated accounting counter after being approved by the loan bank, and go through the formalities of bank loan settlement certificate.

For first-hand personal housing loans, second-hand personal housing loans, personal pledge loans, personal housing mortgage comprehensive consumption loans, personal cultural consumption loans, personal home consumption loans, personal study abroad loans, personal car loans, college students' comprehensive loans, national student loans, commercial student loans and other loans, banks can provide proof or record sheets that the loans have been settled.

Generally, banks will not issue paper proof materials for personal credit loans, but will inform borrowers of the loan settlement according to the loan balance and status in the system.

My mortgage has been overdue for more than six times. What if the bank asks for a one-time payment?

If the bank wants to pay off the overdue mortgage, it is best to negotiate with the bank first. Generally, once overdue, the bank will not ask for direct payment. Only when there are many overdue cases will the bank require it. If negotiation fails, we can only pay it off. If the lender is unable to pay off the remaining loan, it may be sued by the bank, resulting in the auction of the house.

Extended data:

How to save yourself if the mortgage is not paid?

1. Transfer or sell the house. The house you bought is transferred for sale, and the mortgage is repaid with the funds obtained from the transfer or sale of the house. The premise is that you must obtain the consent of the lending bank before you can adopt this method. After you transfer or sell the house, the repayment obligation will be continued by the new buyer. This way is more active than the bank auction or lawsuit mentioned below, and your economic loss will be much less.

This house was auctioned by the bank. Auction of houses is the worst policy. If the general lender fails to repay the mortgage for more than half a year, the bank will apply to the court, and your house will be repossessed by the bank and auctioned at a low price (the general auction price will be lower than the market price 10%-20% or more). So this method has the lowest cost performance. To this end, your economic losses will be very heavy, and it will affect your personal reputation.

What should I do if the mortgage is not repaid?

1. If there is no money to repay the mortgage due to temporary economic problems, try to find relatives and friends to borrow money for emergency. In many cases, just turning around can alleviate the problem. If you are short of money, you should pay the mortgage first.

2. If you really can't afford the mortgage, you can choose to find a bank to apply for an extension of the loan repayment. As long as it is not malicious, ordinary banks will support the extension of loan repayment after examining the lender's economic situation.

3. If there is no obvious source of follow-up funds, those who can't afford the mortgage can choose to sell their house. If you sell it yourself, you can negotiate the price, at least you can guarantee that you will not suffer. If the loan is auctioned by the bank, the bank will lower the price in order to sell it as soon as possible. Although I can get some money back, it is also less than my own.