What should I do if the mortgage is not repaid?

The solution of mortgage repayment is as follows.

1. If you can't turn over the funds in a short time, you can borrow money from your relatives or friends to repay the loan. For users, this is also the lowest cost method, and can also minimize their own losses. Remember to pay back the money in time after the follow-up capital turnover, and it is not difficult to borrow it next time.

But if the time is too long and you need to borrow more money, it will be difficult to borrow. After all, it is not necessary to save the poor.

2. If the loan cannot be repaid in full for a long time due to some special reasons, you can contact the bank at least 1 month in advance before the mortgage is overdue, explain the relevant situation to the bank, apply for loan extension and extend the repayment period.

Relevant certification materials, such as unemployment certificate, disease diagnosis certificate, income certificate, etc., need to be provided during the application process. After the bank verifies the situation, if the situation belongs to, the bank will also extend the repayment period according to the situation, thus reducing the monthly mortgage payment and alleviating the repayment pressure of users.

3. Renting a house If the user has other residences in his place of residence, he can also choose to rent a house and use the rent of the house to repay the loan, so that the monthly repayment pressure will naturally be less.

But if you rent your own house and need to go out to rent a house, it will not be worth the candle.

4. If it is really impossible to repay the mortgage, after obtaining the consent of the bank, the house purchased as mortgage for housing loan can be sold or transferred to a third party, and then the user can repay the loan with the proceeds from the sale of the house. This method is not very good, but at least the initiative is in the hands of users, and the loss will be less than being auctioned by banks.

5. If the mortgage of the auction property is unpaid and overdue for more than three months, the bank will bring a lawsuit to the court to apply for auction of the mortgaged property, and the bank will repay the loan principal and interest and the corresponding liquidated damages with the proceeds from the auction property. If there is any surplus after deduction, the bank will also return the remaining part to the user.

6. Don't support loans with loans. In fact, supporting loans with loans can not help solve the problem, but will only lead to an increase in the interest cost of users.

If it is only a short-term turnover, it doesn't matter once in a while.

If robbing Peter to pay Paul for a long time, it will lead to high debts for users. Once the platform can't borrow money, it will eventually lead to a total collapse. Users will have to bear high liquidated damages and will be harassed by various platform collection calls.

Online loan big data can reflect the real situation of online loans. If there are too many loans, it is recommended to know your credit data well. Search: A quick search by Bejian can generate a big data report. Although there are differences between the two, in order to avoid personal inability to repay bad debts, bank loans will also pay attention to the credit situation of big data. Bad credit will affect many rights.

Extended data:

Is the mortgage choice bank a small bank or a big four bank?

When applying for a mortgage, the choice of a bank is naturally better than that of a small bank.

After all, the service system of the four major banks is more perfect, and there are basically business outlets all over the country, which makes it more convenient to handle business and ask questions.

Moreover, the loan quotas of the four major banks will be more adequate, and it is not easy to wait for loans.

On the other hand, the service system of small banks is not perfect, and some cities have no business outlets, so the follow-up business will be very inconvenient; And the amount is not big enough for banks. If the application happens to be in short supply, it is estimated that the loan will be postponed and it will have to wait.

And if the house payment is delayed, it may also cause disputes with real estate developers.

Of course, how to choose depends on my own ideas. The approval of small banks is often simpler. If there are local service outlets, plus the application amount is sufficient and the interest rate is lower than that of big banks, you can also choose to apply for a mortgage at a small bank.