Mortgage default, who loses more, house slaves or banks?

Mortgage failure, who loses more, the house slave or the bank? For the situation that the buyer defaults on the loan, the buyer and the bank will indeed be very different. First of all, buyers often have to face various situations. First, the house may be repossessed, and the mortgage task is not limited. Then the debt liability is infinite, and the difference will be there.

Of course, for property buyers, the overall credit situation will also deteriorate seriously. In this case, there will be a chain reaction, bank accounts will be frozen, and even a house may be driven out. The feeling of homelessness is really a big deal.

For banks, there are often several consecutive practices. The first is to sue the owner, and then enforce the punishment. Finally, the house auction will be held. In this way, the loan was finally recovered, and the bank wanted funds, not a house.

Therefore, it is necessary to compare who has the greater influence after the mortgage is cut off. Naturally, for property buyers, the loss is even greater than the gain. For banks, if the house auction is successful, they will recover all the arrears and will not bear any losses, but they will spend some more twists and turns in procedures and rhythm.

If the mortgage is not repaid, who will lose more? Let's start with the buyer.

The reason for the termination of supply is not discussed here, because the bank will not consider the reason and give it to you as appropriate. If the buyer defaults, there are the following possible situations:

1. Your house will be repossessed by the bank.

This is for sure, whether active or passive, the house will be repossessed by the bank.

Step 2 make up the difference

The debt liability of mortgage is unlimited, that is to say, if your house is insolvent, you still need to repay the remaining mortgage. Whether you are unemployed or unemployed, this part of the debt will not change because of changes in your economic situation.

3. The credit status has deteriorated.

This society emphasizes credit more and more, and credit is a person's intangible asset. Mortgage default is a serious credit problem. People who default on mortgage loans will not get any loans from banks, and it is difficult to apply for credit cards. Even if the remaining debts are paid off after the supply is cut off, the credit record will remain for 5 years.

4. The bank account is frozen.

Once the compulsory execution stage is entered, all bank accounts of buyers will be restricted, and in severe cases, the unit cannot pay your salary and deposit the provident fund through the bank card.

Even the only house may be evicted.

Many people think that for the buyers who own the only house, the default supply will not lead to the house being enforced. Actually, it's not like this. Generally, the bank will only give a grace period of half a year, and it will be enforced after the grace period, unless you are a low-income household, you can't find a place to live.

When the mortgage loan is cancelled, it is uncertain how much the buyers will lose. If the mortgage is not paid last month after three months, the court will inform you to auction the house as much as possible. After deducting the loan, you are finished. Of course, it's definitely not as expensive as the market.

Will the house be taken away if the mortgage is lost? The bank will bring a lawsuit to the court.

The court decided to auction the house compulsorily, and the court entrusted the auction company to auction it.

Deduct attorney fees, legal fees, auction fees, liquidated damages, interest, loan balance, etc. From the auction proceeds, the surplus will be returned to you, and the deficit will continue to be repaid.

If China and America go to war, who will lose more? It costs a lot of money to start the warring States period, which will destroy the economy and infrastructure. Generally, the Warring States will lose the most, but it will also drag down the economy of the Warring States.

China suffered huge economic losses. But the United States may lose its hegemony, so the United States as a whole is bigger.

Depending on the scope.

If it is a proxy war, although it is hostile to each other, it has little impact.

If there is a local war, hostility will rise and turn into hatred, and the war will also involve the people. Overseas Chinese in the United States will even be attacked, and Americans in China will also be attacked by some Americans.

All-out war, mutual economic cooperation will be completely cut off, and there will be terrorist attacks against local departments and people. There will even be local bombing. It is also possible to use atomic bombs in the early stage.

If the war ends early, the world economy will also fluctuate. If the struggle continues, the war will spread to other countries and eventually lead to world war.

Will the house really be taken away if the mortgage is lost? If you owe too much, you may. Take the house and sell it. If the value is enough, you don't have to pay it. Give you more, and you can continue to make up for the less!

Who loses more when China and the United States go to war? I think it must be China, because there is a great possibility of war on the territory of China.