What if the mortgage is not paid back?

Question 1: What should I do if I can't repay my house loan in the middle? It's simple. Sell the house! If you don't want to sell it, you can rent it, so the mortgage pressure will be eased!

If you don't repay, you will receive an indictment from Chu Bank three months later, saying that you don't repeat the contract and you can't repay under false promises. When you don't pay back after receiving the indictment, you auction your property through the court and pay back the money you owe him through the auction. If the auction bank deducts more of his own, it will return it to you, but the chance is not great! Good luck!

Question 2: What if the bank loan is not repaid? This is my major, haha, from the collection department. ...

1 month, if it is not returned to the bank, it will not say anything, but there will be a penalty interest.

Expected SMS notification 1 month (more than 30 years)

For more than 3 months (90 days), call or call for collection.

I will send you a lawsuit letter in more than six months. ...

You mortgaged your house, and now you mortgage it to the bank. You will be sued for asking the court to auction your house to repay the loan. ...

Question 3: What should I do if the mortgage is not repaid? What will happen if the bank loans don't? Lending banks will collect overdue loans according to law. The loan bank brings a lawsuit to the court according to the loan contract and guarantee contract (mortgage or pledge contract), and the court will take measures such as property preservation, including freezing the deposits in all bank accounts of you and the loan guarantor and sealing up the pledged property. After the judgment is made, the property will be enforced according to law (deducting deposits, auctioning collateral, etc.). ) to repay the bank's loan losses. Specifically, it includes: loan principal, loan interest, overdue interest, penalty interest, all litigation expenses arising therefrom, and related expenses incurred when the collateral (pledge) is realized. Your credit will be affected. If you take the company as the borrower, you will be credited to the national bank credit information system, and the loan in your personal name will also be credited to the national personal credit information system for overdue loans. If the loan bank doesn't erase your records, you may not get all the bank loans in the future, hehe. If you are not maliciously in arrears with the bank loan and are able to pay the interest on the normal loan, I suggest that you apply to the loan bank for loan extension first, and explain your willingness to repay, the fact that you have not repaid the loan for the time being and the plan for repayment in the future. Normally, the bank will help you. If you need this money in the future, you can borrow from friends and relatives or borrow for a short time to pay off the arrears first, then make a general loan in the bank and use the borrowed money to pay off the borrowed money. Of course, this is my personal suggestion.

Question 4: The loan has not been repaid. Can I apply for deferred repayment?

Question 5: What will the bank do with the house if the mortgage is not repaid? Hello, if the mortgage is not repaid, the mortgage owner will give up the house. They usually think that the house will be auctioned by the court anyway, which can offset the debts of the bank and the two sides are even.

If there is a situation of "abandoning the house and defaulting on the mortgage", the normal procedure is: prosecution-the judgment takes effect-application for execution-auction of the house-paying off the debt with things (when it cannot be auctioned)-write-off.

It's not that simple. If the auction price of real estate is not enough to repay the money owed to the bank by the mortgage lender, the bank will recover the debt from the mortgage lender.

Since the lender has defaulted on the mortgage, it shows that the house price has fallen to insolvency, and the auction often can't get a good price at this time; Even if some houses are valued, they often fail to capture their due value.

The money owed by the lender to the bank includes liquidated damages, mortgage interest and principal. Usually, the bank will give priority to repay the liquidated damages and interest from the auction, and if there is any money left, it will be used to repay the principal. Therefore, it often happens that some mortgage owners still owe a pile of principal to the bank even if their houses are auctioned. In this case, for the last principal, in order to guarantee the creditor's rights, the bank will generally advise the mortgage lender to turn it into a credit loan and pay it back slowly in several years.

I really can't shoot it. Accept debt in kind. What the bank wants is money, not a house, and it's hard to pay transfer fees and management fees. If you don't accept it, the rate of bad books is high, and various inspections come one after another. The leaders curse every day and feel uncomfortable.

In response to this phenomenon, bankers reminded that it is best not to change the contract. Because mortgage is mortgage and credit is credit, unless the mortgage lender guarantees personal credit so that he can borrow money from the bank for investment, the average owner should negotiate with the bank about the repayment method of the unpaid mortgage principal instead of signing a mortgage repayment contract with higher interest rate.

I hope I can help you!

Question 6: What should I do if the mortgage is not repaid? What will happen if the bank loans don't? Lending banks will collect overdue loans according to law. The loan bank brings a lawsuit to the court according to the loan contract and guarantee contract (mortgage or pledge contract), and the court will take measures such as property preservation, including freezing the deposits in all bank accounts of you and the loan guarantor and sealing up the pledged property. After the judgment is made, the property will be enforced according to law (deducting deposits, auctioning collateral, etc.). ) to repay the bank's loan losses. Specifically, it includes: loan principal, loan interest, overdue interest, penalty interest, all litigation expenses arising therefrom, and related expenses incurred when the collateral (pledge) is realized. Your credit will be affected. If you take the company as the borrower, you will be credited to the national bank credit information system, and the loan in your personal name will also be credited to the national personal credit information system for overdue loans. If the loan bank doesn't erase your records, you may not get all the bank loans in the future, hehe. If you are not maliciously in arrears with the bank loan and are able to pay the interest on the normal loan, I suggest that you apply to the loan bank for loan extension first, and explain your willingness to repay, the fact that you have not repaid the loan for the time being and the plan for repayment in the future. Normally, the bank will help you. If you need this money in the future, you can borrow from friends and relatives or borrow for a short time to pay off the arrears first, then make a general loan in the bank and use the borrowed money to pay off the borrowed money. Of course, this is my personal suggestion.

Question 7: What will happen if the mortgage is paid in half? The house you bought three years ago should be worth more than 50W now, because you don't know much about your city, so it's hard to know the current price. There are two ways to deal with it.

1\\ If the sales office is still there, you can find the seller who sold your house, ask him to help you sell it, and just give him 1 10,000 commission.

2\\ Find a local intermediary company, register the property yourself, sign a tripartite agreement, sell it, and then return the full amount to the bank.

If the bank auctions, you are too passive, and the auction price is not up to you. The loss is fixed.

Question 8: What should I do if I apply for a loan to buy a house? Method 1: Ask for suspension of repayment of principal.

Can negotiate with the bank, as long as the interest, suspend the payment of principal. For banks, the house has been mortgaged, so there is no need to worry that customers will suddenly run away. Generally, you can accept the customer's request, pay interest first and postpone the repayment of the principal. Banks can earn more interest, as long as mortgage customers don't maliciously evade debts, banks have no losses.

Method 2: Ask for an extension of the mortgage term.

You can also negotiate with the bank to extend the repayment period. For example, the original mortgage term was 20 years, and it has been paid for 8 years. Because of sudden financial difficulties, it is impossible to repay the fixed principal and interest on a regular basis. At this time, you can take the initiative to negotiate with the bank and extend the mortgage term to 20 or even 30 years according to your monthly mortgage expenditure.

Method 3: Borrow from the bank again.

In fact, in order to meet the needs of customers, many banks have launched "financial mortgage" to facilitate mortgage customers to lend their repaid mortgage loans for use. However, the interest rate of the loan amount is a little higher than the mortgage interest rate. Although the interest rate is relatively high, it is still cheaper than the general unsecured credit loan interest rate, which is why it is quite popular with mortgage customers.

Question 9: What will happen to the mortgage? Will you go to jail? What will happen if the mortgage is not? If the amount is huge, you will go to jail.

Treatment of overdue loans:

When the arrears are overdue, collect the loans;

If the delay exceeds 90 days, bring a lawsuit to the court:

① According to the loan contract and guarantee contract (mortgage or pledge contract), the lender will bring a lawsuit to the court, and the court will take measures such as property preservation, including freezing the deposits in all bank accounts of the lender and the loan guarantor and sealing up the pledged property.

(2) After the judgment is made, the property will be enforced (deducting deposits, auctioning collateral, etc.). Pay off the bank's loan losses according to law.

③ Specifically, it includes: loan principal, loan interest, overdue interest, penalty interest, all litigation expenses arising therefrom, and related expenses incurred when the collateral is realized.

Credit will be affected. If the borrower is a company, your company will be recorded in the national bank credit information system, and loans in the name of individuals will also be recorded as overdue loans in the national personal credit information system.