In the negotiation process, explain clearly the situation that the individual does not have the repayment ability at present, and provide relevant materials for supporting evidence (such as unemployment certificate, certificate of termination of labor contract, etc.), and express his sincere thoughts of repayment, and then try to apply for extending the repayment period and repaying the arrears in installments to see if the bank can withdraw the lawsuit first.
if the court has accepted and ruled, the customer can only find ways to raise funds to repay the loan according to the judgment result of the court. For example, you can try to borrow money from friends and relatives around you. If the customer fails to pay, the court may also freeze the assets under the customer's name for mortgage, and may auction the house to repay the loan.
In fact, banks generally don't sue easily. After the mortgage is overdue, customers should pay off their debts as soon as possible to minimize the adverse effects. Even if it is not clear for a while, you can't directly avoid not paying it back, so that the bank can't contact anyone, but should take the initiative to contact the bank to negotiate repayment.
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Mortgage, also known as mortgage loan. Mortgage means that the buyer fills in the application for mortgage loan to the bank, and provides legal documents such as ID card, income certificate, house sales contract, guarantee, etc. The bank promises to issue loans to the buyer after passing the examination, and handles the registration and notarization of real estate mortgage according to the house sales contract provided by the buyer and the mortgage loan contract concluded between the bank and the buyer. The bank directly transfers the loaned funds to the account of the seller within the time limit stipulated in the contract.
housing loan
Personal housing loan refers to the loan issued by the bank to the borrower for the purchase of self-occupied ordinary housing. The borrower must provide a guarantee when applying for a personal housing loan. Personal housing loans mainly include entrusted loans, self-operated loans and portfolio loans. Entrusted loans
Personal housing entrusted loans refer to loans granted by banks to individuals who purchase ordinary housing according to the specified requirements, with housing provident fund deposits as the source of funds. Also known as provident fund loans.
Self-operated loans
Self-operated loans for individual housing are loans granted to individual buyers with bank credit funds as the source. Also known as commercial personal housing loans, the loan names of banks are different. China Construction Bank is called personal housing loans, and Industrial and Commercial Bank and Agricultural Bank are called personal housing secured loans.
portfolio loan
individual housing portfolio loan refers to a loan issued to the same borrower from the housing provident fund deposit and credit funds for the purchase of self-occupied ordinary housing, which is a combination of individual housing entrusted loan and self-operated loan. In addition, there are housing savings loans and mortgage loans.
mortgage repayment methods: average capital, matching principal and interest, biweekly payment, etc.
loan amount: 8% of the property value can be loaned after passing the bank review.
down payment on mortgage: 3% down payment is required for the first home mortgage loan and 5% down payment for the second home mortgage loan.
loan period: the loan period for a first-hand house is 3 years, and that for a second-hand house is 2 years. At the same time, the loan period plus the applicant's age should not exceed 7 years.
loan interest rate: the benchmark interest rate of the first home loan for more than five years is 6.55%, and the interest rate of the second home loan is 1.1 times higher than the benchmark interest rate, that is, 7.26%.
Ways
There are three ways of housing loans, namely, bank commercial loans, provident fund loans and portfolio loans.
guarantee fee
in order to avoid mortgage risks, ordinary banks need borrowers to provide guarantee certificates from legal persons, other economic organizations or natural persons with sufficient compensation capacity. If you can find friends or relatives who are willing to provide guarantees and have financial strength, they can issue a written document and credit certificate for the bank. If you can't, you need to go to a professional guarantee company to provide a guarantee. At this time, the fee paid is the mortgage guarantee fee.
Application materials
1. The borrower's valid ID card and household registration book;
2. proof of marital status, unmarried persons need to provide an unmarried certificate, and divorced persons need to provide a court civil mediation or divorce certificate (indicating that they have not remarried after divorce);
3. If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate;
4. the borrower's income certificate (the salary income certificate or tax payment certificate for half a year);
5. Property title certificate;
6. Guarantor (ID card, household registration book, marriage certificate, etc. are required).