Does anyone around you have a house in foreclosure?

Yes, my husband's brother died unexpectedly, and the house has been closed for three years. At present, the house is a French auction house, but in fact it is in a state of no one cares.

My husband's brother died unexpectedly three years ago. At that time, 95% of the house under his name was owned by him, and the other 5% was owned by his ex-wife.

He bought the house before he divorced his ex-wife. My ex-wife disappeared after the divorce, and my uncle has been paying the mortgage alone.

Two years after the divorce, my uncle remarried and had a daughter. After his accident, the house still owed the bank about 2 1 000 yuan, and the house was out of supply.

The youngest daughter born after remarriage, plus the eldest daughter born with his ex-wife, as an inheritance, this house actually has five heirs: the current wife, the eldest daughter, the youngest daughter, the father and the mother; Because it involves 5% of his ex-wife's property rights, the house is very troublesome to handle.

Since five people are unwilling to continue to pay the mortgage, the house is now a legal auction house.

After uncle's accident, uncle's wife Li and his little daughter lived in the house. Later, Li moved away and the house is now empty (the eldest daughter lives in the countryside with her grandparents).

Every time a family member calls the court, what is the situation of the house now? The court said it was waiting for the auction, and now three years have passed and it is still waiting for the auction.

From this perspective, banks are actually very helpless about houses that have been foreclosed, and court auctions are not so easy. If you have no place to live, it is no problem to live for three years for free.

Yes, the staff who went to the court for a holiday on 10/day delivered the indictment at home. I was not at home at that time, and went to my mother's house for the autumn harvest. My husband called me and told me that he was deceived immediately after hearing the call. He felt that his heart was beating fast and he was a little absent-minded. I don't want my father to know about the autumn harvest in the field. My husband told me that the court session time is 14. I must calm down and start thinking about what I can do, because I know that I have been out of stock for half a year and this day will come sooner or later. In fact, before the police or the court came to the community, I was subconsciously afraid that they might come to me. Now, the first thing to do is to get in touch with the bank, but I searched the indictment and found that none of the phones worked, probably because of the holiday on 10/day.

6543810.8 We went to the credit office of the bank and said that we had been sued and wanted to come over and negotiate with the bank. The credit manager said after listening, you can't help it. You can stop lending before the bank sues, and the bank will give you a chance. There is no way to go through the process now. Before going to the bank, we still hope to settle the overdue mortgage and write a guarantee. Maybe the house can still be saved, but after listening to the credit manager, our hearts are cold. He told us that you should hurry back and sell the house and settle the bank loan, otherwise the bank will auction it to us without money. At the same time, he also gave us a suggestion that we can talk to the intermediary and see if there is any way. At that time, we were like a drowning man grasping at straws. We immediately consulted the intermediary, and they asked us whether we wanted to sell or keep the house. I just wanted to keep the house, so I asked them how. The agent said he could lend me money to settle the bank loan and then pay them back with the house mortgage. He only earned the handling fee and the daily interest on the loan, so he said that the mortgage loan for the house would be down in about 20 days. After listening to this, I think this method is ok, but my husband's idea is to sell the house quickly. We don't agree. Although he wants to sell the house, he will still listen to my advice. We all want to solve this problem. Now is not the time to blame. Every family has a hard experience. Maybe you will laugh at our incompetence. It is really our inability to keep the house. Now we need to work hard to find out how to get through this obstacle.

When I got home, I called my sister and told him the whole story. At the same time, I also told him the intermediary method. We don't know much about it. I wonder if there is a bend in it. In the evening, my husband called and we talked for a while. He said that he had asked some people for advice and said that it was not feasible to sell the house at once. He told me that his colleague borrowed this kind of money, but it was actually something else. At that time, he also paid the handling fee every day, and the money was paid directly to both parties. But when he has money, the other party will try every means to prevent him from paying back the money and cannot cancel the contract, so he will pay interest every day. In the end, he suffered heavy losses. In other words, if our mortgage is not so small, how long will we have to pay interest? After the mortgage comes down, we will not pay back the money, and then pay interest every day. What will we end up with? Whether it's true or not, if it's true, we have nothing, so the two of us decided to sell the house.

The next day, we contacted an intermediary friend, recorded a video in my house and sent it to their intermediary circle of friends. After a day's phone call, they contacted a buyer, but the offer was very low. The next day, we registered two houses with the agent downstairs. They went upstairs with us to look at the house, asked about the deed tax and real estate license of the house, and said that some customers wanted to take it back. We went upstairs and there was a business card stuck in the door. I picked it up and made a phone call to ask if I was going to see the house. The other party replied, yes, they are going to bring a client to see the house. We are not registered in this house, and we don't know how to register. I think we saw the video of the intermediary sending a circle of friends and learned the news that we sold the house. Then the customer came, and it was really simple. It took 15 minutes to negotiate the full purchase, and paid the deposit to the intermediary to sign the contract. In this way, it takes a week from receiving the indictment to selling the house, that is, hanging it in the morning and selling it in the morning. When I came back from the agency to get the deposit and contract, I sat on the stool and cried, because at that moment I knew that the house had been sold and not kept, and my husband felt very uncomfortable, but it was the best result for people to face reality.

The court opened in the blink of an eye, and we went on time. At this time, we met the representative lawyer of the bank. The judge advised us not to hold a court session and solve the case through consultation. We offered to settle the loan and the bank withdrew the lawsuit. We didn't bear the legal fees, and the lawyer also told us that there would be liquidated damages. The lawyer called the dean and got the result that he didn't agree to drop the lawsuit. Everything went according to the procedure, which made the judge very angry. He said that your bank is really strange. Simple things have to be so complicated that negotiation is not feasible. The court is scheduled for 2 1. This trial, the plaintiff's bank, the defendant and the developer's lawyer went through a series of procedures of trial, questioning, confirmation and signing, and the judge pronounced the sentence and ended. A month and a half later, we got the verdict.

On the bank side, we went to the bank with our customers to settle the mortgage. The loan officer makes the bill first, then settles the overdue mortgage downstairs, and then seals it. It seems to be to let the bill pay the penalty for two months, and then settle the remaining loan. Then, go to the credit manager to pay the legal fees. We waited for about ten days and got the settlement certificate. This way, the house can be decompressed and then searched. We didn't transfer the ownership directly and fairly, and then settled the property fee of Qingshui Coal and gave the balance to the house. Things have been a little delayed. We got the final payment in June+10, 5438, mainly because we spent some time going through these processes ourselves.

My parents still don't know why we sold the house. I don't know if my husband said it. However, it doesn't matter if all those things are over, and the rest is a lesson. Looking back on it now, I think it's nothing, but the experience at that time was really painful. Now, we are renting a house and waiting for the auction next year.

During the Yili epidemic in June+/Kloc-October/October, 5438, a big sister said in the group that she had been out of stock for a year, and her husband was seriously ill all the year round and worked alone.

However, the ending is still good. After communicating with the bank in time, the house was finally saved.

My cousin has been working in Dongguan since graduation, including getting married and having children.

Cousin and brother-in-law are both rural people with low education level. My cousin works as a clerk in a company, with low salary, but relatively free time. My brother-in-law is an ordinary employee of a company.

Buying a house in Dongguan is also because their children are old enough to go to primary school, and her husband and wife want to keep them with them.

However, it is necessary for foreigners to go to primary school where they work. After reading all the requirements, her husband and wife found that only buying a house locally can be realized in a short time.

It was the summer of 18, and the children would be in the first grade when they started school. And they have been renting a house outside for several years, and they really want a house of their own.

The children will start school soon, and the couple are also very anxious. After determining that the problem can only be solved by buying a house, they began to look around the house that afternoon.

The place where they work is very close to the city, and the house price is generally 30 thousand /m? Even if it is a second-hand house, the house price is more than 20,000 /m? .

Even in the suburbs and remote places, the new house needs 20 thousand /m? .

Finally, we can only choose second-hand houses in remote areas, but even second-hand houses and relatively new houses are expensive.

Finally, they found this 100 square house, which is over 20 years old. They make a down payment of 300,000 yuan (loan is about 65,438+10,000 yuan), with a loan of 1 10,000 yuan, and pay back more than 5,000 yuan every month for 30 years!

But fortunately, children can go to school and have their own house.

Their house is quite big, but it's a bit shabby. It's five stories high and bought a top floor. There are still some leaks in the house on rainy days, and it seems that no one has lived in the house for a long time. The dust on the wall is peeling off and the furniture is piled up in a bedroom.

After buying a house, there is no money. I remember that they all borrowed money to live in those months, and life was tight, but they couldn't live without decoration.

Because there is no extra money, the decoration of the house is done by the couple themselves. First, the main furniture is arranged, and others are gradually added.

Until the arrival of the epidemic last year, their life rhythm was disrupted. There was no problem in the first few months, but in July last year, my brother-in-law's company went bankrupt because of the market operating environment! The company only gave the brother-in-law twenty thousand yuan.

Cousin, because I have to take care of the children, the salary itself is just enough for living expenses. Their original plan was that the brother-in-law's salary would be used to pay off the mortgage, and the cousin's income would take care of her life. No one expected that there would be an epidemic that would lead to unemployment!

During that time, my brother-in-law was busy looking for a job and running a part-time takeaway. Anyway, it lasted until April this year. Finally, because of insufficient income, he couldn't afford it, so he chose to stop supplying.

After two months of loan suspension, I communicated with the bank, and the bank gave some solutions and suspended repayment for six months, so that their pressure could be reduced, at least solving the urgent need at that time.

All these schemes can keep the house.

In any case, the house was saved and the repayment pressure was reduced.

Let me tell you something. If you don't have enough income for some economic reasons and want to keep your house, you must negotiate with the bank. Don't wait for the bank to sue in court, and then negotiate. At that time, the house was basically gone.

In fact, they bought the house at a loss. Today, three years later, house prices have gone up even higher. Compared with the purchase price at that time, their house actually appreciated.

Some people say that it is not recommended to buy an old house that is more than 20-30 years old. It also depends on the place. Now my cousin's town is developing well, and many enterprises moved from Shenzhen have settled in their town, and the days are more and more promising.

But for most people, this is still not recommended.

Buy a house, or do what you can, choose the right house within your own ability, and how much you can do.

Although my cousins can now stabilize their mortgages and live in peace of mind, they dare not scrimp, socialize, get sick or resign. If they continue to live for a long time, it will also be a great consumption for their spirit and body. It is still not recommended to live so tired and do everything according to your ability.

My brother's house has been out of supply for half a year. The bank has just started to contact and has been paying the monthly mortgage, but it hasn't been paid yet. Later, the bank contacted again, and the bank has indicated that it is not necessary to return it. I came to the bank to apply for an extension. I don't have to pay back the two-year monthly payment, but I have to pay interest during this period after it expires. It's been six months. I don't know what to do if I don't pay the interest after the expiration!

It is said that business was booming in 20 14 years. When I was in my thirties, the annual income of Fifth Line Town exceeded1million, which was simply a winner in life! Honesty wanda plaza opened in the local market, and the advertisements were very popular, just as we were driving. The radio introduced Wanda boss Wang Jianlin, the richest man. Without thinking, they drove to the Wanda sales office. The scene is crowded, and 33,000-square-meter shops are rushing to buy it. You can't even think about it. In a short time, all the seats you like are sold out. It is most appropriate to describe the mood at that time with youthful vitality. The terrible favorite position was taken away and directly handed over to 660. I booked an 80-square-meter commercial house and paid a down payment of 654.38+0.5 million in seven days. These seven days are purgatory on earth!

Although you can earn hundreds of dollars a year, the problem is that the family business is poorly managed, who will take the money, the two brothers disagree, and the old man is unreasonable! Big and small kings can't tell! About my brother, my brother is richer than my brother!

Patchwork, make up the down payment, and returned to the paper mill. The house is too expensive to buy, which seems inappropriate. I want to return it. As a result, Wanda said it was a firm decision, not a verbal order. Give up100000 deposit, down payment 150, loan10.30000, and pay it off in ten years, nearly 65438+ per month. In this way, I was trapped in the first half of my life

Repayment in the first two years is not a problem. After 20 16 was cheated out of 2 million by the underworld boss, it went downhill completely, business was sluggish, the two brothers were at odds, and the epidemic broke out. Up to now, the rent can't be paid and the business can't be done. What's the mortgage?

I have been communicating with the bank for several months, but I can't help it. The solution is to return the remaining 470 thousand interest-free I want to pay back all the money. What should I call you?

You have borrowed everything you need. It is not easy to borrow money now. If you can lend you money, you have to remember the kindness of others all your life!

When I made money, I didn't hide traitors and left nothing behind. Like my brother, yes, I left all my money. When we were preparing for the mortgage, I bought a villa with 2 million yuan!

Now a woman is loading and unloading with a man every day. As a stevedore, she earns a drop in the bucket and can only pay for it herself! It's so helpless!

People! We must make good arrangements when the spring breeze is in full swing, so that we can do something when we are besieged!

Yes, one of my clients has paid the house payment for 25 years, and he will be able to pay it back in another five years. Due to the impact of the epidemic in the past two years, the income is also very unsatisfactory. In the past two years, he has paid off and on, and many times overdue, which also led to his poor credit information.

He is the owner of a project, and the project money is often not recovered on time. Now workers' wages can't be paid normally, and the Chinese New Year will be celebrated in more than a month. He wants to send more money to the workers to go home for the New Year, but he can't borrow that much. Going to the loan was also rejected, and it was rejected by many companies.

Pay back the money owed, especially the bank's, because it will affect the personal credit problem, and there is no way to deal with the later loan. Of course, if we can pay it back, everyone will pay it back on time.

Some friends also use credit card money to pay Paul. Is there a bank that can directly repay the principal in installments without interest? If a friend knows, please tell me. Thank you [Ross] [Ross].

I have my own mortgage, and I repay 6000 yuan every month, but this is planned before buying a house, and the monthly provident fund can be deducted, so it has no impact on my life. People around me also have loans and have not defaulted, because the house was not bought on impulse, and the mortgage needs to be audited by the bank, and the audit is also very strict, so I can't figure out why they defaulted.

I don't feel anyone breaking the confession! I bought two sets myself, with a loan of 1.6 million! In recent years, I have paid back 200,000 yuan every year, and now the loan is less than 200,000 yuan! I'm not in a hurry to return it. I changed cars first, and slowly paid off the mortgage for one month 1300. I don't feel anything! ! !

I think I will confess soon!

20 10 bought the only apartment, 120 flat, with a down payment of 300,000 yuan, a loan of 30 years and a monthly payment of more than 2,500 yuan. I bought this because we have to raise children, and we don't want to be under too much pressure, so we can't let the mortgage be overwhelmed ... My husband and I are both fixed jobs, and the salary is not high, which is still stable.

I don't know. In September this year, it can be said that it was an unexpected trouble. My brother borrowed money to invest and failed to do business with a teaching and training institution. After the sj policy, the institution was on the verge of bankruptcy and could not get back the money. In order to help him pay his debts, I was in debt of more than 4 million yuan ... After I was in debt, I was afraid that my creditors would hit him again, that the institution would close down or run away, and that there would be more serious consequences ... He told me more than once. However, creditors can't wait to be eliminated. They send a debt collection message for ten or twenty minutes every day and don't call back immediately. All kinds of insults and abuse even came directly to the unit, and they were beaten and forced to kneel down, forcing people to the corner. Where is the mind and opportunity to make money? ...

After getting into debt, he became more and more reticent. I don't like to communicate with others, and I don't want others to know my thoughts. Many things are lonely, I envy everyone, I think anyone is happier than me!

After getting into debt, I became timid and self-abased, and I felt weak and cold at the slightest sign ... Even sitting in a corner and choosing a chair with a backrest was safe, and I always felt safer wearing a mask. ...

Every day, when you break down, you are healing yourself. Holding it for a long time will collapse. After the collapse, you have to lick the wound yourself, you have to dry your tears and continue to insist. ...

Of course, emotions are secondary. The key issue is the monthly payment, which is more than 4w per month. My husband and I earn about 1w every month, so we can't afford it. I thought my brother could repay part of the loan by selling the house, but the house has been delayed and can't be repaid next month. I'm worried and miserable. ...