Will a house be confiscated by a credit loan, Zhihu?

Will the house be repossessed after the down payment of the credit loan?

Will be taken back

The consequences are very serious, and it is very likely that the loan will be recovered directly. Because the money from the credit loan cannot be used to buy a house, there is also this provision in the contract. If you buy a house with a credit loan, it is a loan fraud and is likely to be blacklisted by the bank. The blacklist is not eligible for any loan, so everyone must pay attention to it.

The money owed by the credit card has not been paid back. Will the house and car I provided be auctioned? Call for help. Invite sb. to rescue.

Basically not, because the overdue credit card is not the same as the house in your name. Overdue credit cards will first produce bad credit records, which will affect personal credit and future credit business, such as loans. Secondly, overdue repayment will generate interest and late fees; Finally, long-term non-return may violate the criminal law.

If the credit card fails to be returned intentionally or for a long time, it may be seized under the judgment of the bank, such as freezing bank cards, freezing cars and real estate. , but generally will not auction. The people may seal up the property necessary for the life of the person subjected to execution and his dependents, but they may not auction, sell off or pay off their debts. If the property is non-residential, it may be forced to auction.

Provisions of the Supreme People's Court on the Seal-up, Seizure and Freezing of Property in Civil Execution Article 6 When auctioning the debtor's house, the creditor may bid, but does not enjoy the preemptive right. There are three kinds of people who have the preemptive right in real estate:

1. When a shareholder of a limited liability company transfers his capital contribution to a person other than the shareholder, it must be agreed by more than half of all shareholders; Shareholders who do not agree to the transfer shall purchase the transferred capital contribution. If you don't buy the transferred capital contribution, it is deemed that you agree to the transfer. Under the same conditions, other shareholders have the preemptive right to purchase the capital contribution transferred with the consent of shareholders.

2. Where the lessor sells the house, it shall notify the lessee 15 days in advance, and the lessee shall enjoy the preemptive right under the same conditions.

3. If * * someone disposes of his share, others * * * have the preemptive right. Auction is a special form of buying and selling, but its nature is buying and selling, and the lessee cannot be deprived of the preemptive right. The lessor or auction house is still obliged to inform the lessee of the auction. The specific operation can refer to the provisions of the Supreme Law on auction and sale of property in civil execution, among which Article 16 stipulates: "In the auction process, if there is the highest bid, the preemptive right holder may indicate that it is purchased at the highest price, and if there is no higher bid, it will be returned to the preemptive right holder; If there is a higher bid, and the preemptive right holder does not express it, it will be obtained by the highest bidder. "

Will the house be confiscated if you owe money to the bank?

If you apply for a mortgage, you don't pay it back on time, and the collection is unsuccessful, the bank can auction the house to pay off the debt. And the user applies for other loans, and does not use the house as collateral, then the bank has no right to deal with the house. Only when the ownership of the house is in the hands of the bank can the bank take back the house.

Therefore, the user's mortgage must be repaid on time, otherwise the house that is seriously overdue will be auctioned, and then the user will lose his property.

1. If the mortgage is not paid, the bank will take relevant measures. If you don't pay it all the time, it doesn't rule out that the house will be confiscated. First of all, if the bank mortgage is not repaid within 1 month, there will be penalty interest; /kloc-If it is not returned within 0/month (more than 30 months), the bank will notify you by SMS; If it is more than 3 months (90 days), the bank will call or collect it at home; If it is not returned after acceptance, the mortgaged house will be confiscated and auctioned again.

2. After the house is auctioned, the mortgage will be lower than the market price. The funds obtained will be used to repay the bank's debts and auction fees at first, and the rest will be given to the buyer after deducting all expenses.

Therefore, it is rare to have extra money. Therefore, the house may be auctioned to buy a house. If it really reaches this point, the credit of the lender will be greatly affected, and the personal loan qualification will be very poor in the future.

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1. Will the house be sealed up if I owe my credit card?

Having a credit card won't seal up the house, but if you don't return the credit card, the bank will do it to the debtor. After the debtor loses the case, the bank may apply for compulsory execution of the property under the debtor's name to repay the debt, and include the debtor in the list of people who have lost their trust. If the amount of debt is large, it will even constitute a credit card crime, so not only the debtor's property is involved, but the debtor may even be sentenced or detained.

Second, the bank should be able to seal up the house:

What may be seized depends on the area and value of the only property. If it is a house that maintains the minimum living standard, it can be protected, but if the executed person exceeds the necessary living standard, it can of course be used to pay off debts.

Houses and daily necessities necessary for the life of the person subjected to execution and his family members may be auctioned, sold or paid off. Although the person subjected to execution has only one set of housing, the people can enforce the housing that exceeds the minimum living standard of the person subjected to execution and his dependent family members.

I borrowed a credit loan from the bank, but I can't afford it. Will I auction my house?

I will. Meet the following conditions, the only house can also be auctioned.

First, the house can be auctioned.

2065438+On May 5, 2005, the Supreme People promulgated the Provisions on Several Issues Concerning People's Handling Objection Reconsideration Cases, in which Article 20 clearly stipulates that in the execution of monetary creditor's rights, the people will not support the executed object on the grounds that it is necessary for the executed person and his dependent family members to maintain their lives: there are other residential houses under the name of the executed person who has the obligation to support; After the execution basis comes into effect, the person subjected to execution transfers other houses under his name in order to avoid debts; The executor of the application provides housing for the executor and his dependent family members according to the local low-rent housing security area standard, or agrees to deduct the rent for five to eight years from the variable price of the house with reference to the average rent standard of the local housing rental market. According to the execution basis, the house delivered by the person subjected to execution shall be given a grace period of three months from the date of delivery of the execution notice. If the person subjected to execution raises an objection on the grounds that the house is a necessity for himself and his family, the people will not support it.

Second, a bad reputation.

If the credit card is not repaid in installments, the impact will be more serious. If the third installment is not paid back, it is recommended to pay back the money on time in the future, otherwise it will be blacklisted by the bank, and in serious cases it will be blacklisted by the bank.

In terms of legal relationship, the legal relationship of borrowing is fresh, clear and simple, while the legal relationship of arrears may be more complicated, and the background behind arrears may be much more complicated;

1, loan

The nature of arrears and loans is different, and the reasons for their formation are also different. The IOU proves the loan relationship, and the loan is mainly generated by borrowing; The IOU proves the relationship of arrears. As far as IOUs and debt certificates are concerned, their effects are different, and the degree of security of creditor's rights is also different. If the other party issues you an IOU, assuming that a lawsuit is initiated, it may involve complicated background and legal relationship. If the other party breaches the contract, it is said that it is because the gambling debt is written in arrears, and the problem is more complicated; And IOUs won't cause so many problems. Interest payment: Regarding the loan interest rate, Article 2 1 1 of the Contract Law clearly stipulates that if there is no agreement or unclear agreement on interest payment in the loan contract between natural persons, it shall be regarded as not paying interest; There is no uniform regulation on the interest rate of arrears.

2. Loans

Formal loans should be linked to personal credit information. When applying for a loan, you should check the credit information. If overdue repayment occurs, it will have a negative impact on personal credit information. I suggest that you make loans according to your ability, repay on time, and maintain credit information. There are so many loan platforms now. Choosing a large platform for loans can ensure the safety of funds and information, and the use of loans is more assured.