For example, if you have no repayment ability at present, you should make it clear that you have no repayment ability, and then provide relevant information to prove it. For example, because unemployment has no repayment ability, you can provide proof of unemployment or an agreement to terminate the labor contract.
After explaining the reasons for applying for delayed repayment, you can express your willingness to repay actively, and then put forward a future repayment plan.
After that, you can wait for the bank staff to review the individual. After the bank's review, the bank will consider customers with good credit and real repayment difficulties. If the bank agrees, the customer can negotiate a new repayment plan with the bank, and then repay on time according to the new repayment plan.
Mortgage, also known as house mortgage. Mortgage means that the buyer fills in the mortgage loan application form to the bank and provides the documents that must be submitted according to the legal documents such as ID card, income certificate, house sales contract and guarantee.
After passing the examination, the bank promised to issue loans to property buyers.
And according to the house sales contract provided by the buyers and the mortgage loan contract concluded between the bank and the buyers, the real estate mortgage registration and notarization will be handled, and the bank will directly transfer the loan funds into the bank account of the selling unit within the time limit stipulated in the contract.
Basic introduction
Participants in mortgage loans, including commercial banks that provide credit funds, buyers who eventually purchase real estate, and property owners (including developers/second-hand housing owners), also need to participate in the evaluation company and mortgage guarantee company when applying for loans.
Statistics released by Beijing Wancai United Investment Management Co., Ltd., a real estate guarantee company, show that the mortgage utilization rate has reached a high level in major first-tier cities in China at the end of 20 10.
In terms of mortgage loans for house purchase, the loan ratio has reached more than 70%, and in recent years, more and more residents have applied for mortgage loans for real estate consumption by using their own names or relatives' real estate. "Mortgage" has become a way of life closely related to residents' lives.
Special policy
With no one in the house, the monthly payment will continue.
If the house is unoccupied, according to the Contract Law and other laws and the mortgage loan contract signed by the borrower and the loan bank, the borrower is still obliged to pay off the outstanding loan principal and interest. In other words, if the house falls down, the monthly payment of the house will continue to be paid.
Loans are the relationship between banks and borrowers, and houses are collateral and supplements. Therefore, the loss of the house cannot be used as a reason to stop the monthly payment.
If the relevant property insurance has not been purchased before, the house is damaged and no insurance has been purchased, the owner of the house can only bear the losses caused by the damage to the house. However, from the perspective of government assistance, the government usually gives certain compensation to the affected people, so that they can properly resettle and rebuild their homes.
When people leave, the house becomes an inheritance.
In this case, if a person dies and the property is still there, according to the relevant provisions of the inheritance law, the property will be incorporated into the person's estate. First, the heir will use this person's legacy to pay off this person's pre-life debts (including mortgage loans and other debts, of course).
However, the repayment of debts is limited to the actual value of the person's estate, and there is no legal basis for "father's debt to son". Of course, the law does not prohibit heirs from voluntarily repaying debts that exceed the actual value of the estate.