Extend the loan term. If you can't repay the loan on schedule according to the original repayment plan, you can apply to the bank for an extension. After the bank approves, it can sign a deferred repayment agreement. Usually, there is only one opportunity to apply for deferred repayment, and the longest delay cannot exceed 30 years. If you really can't afford the mortgage and don't want the house to be auctioned, you can borrow money from relatives and friends to repay the bank loan, temporarily solve the dilemma, and try not to cut off the mortgage supply. If the collateral is auctioned and it is really unable to repay the loan, the lending institution may auction the collateral, and the proceeds will be used to repay the principal and interest of the loan in priority. After the bank auctions your property, it will only detain part of the money you owe the bank, including unpaid principal, interest and penalty interest. If there is more, I'll give it back to you. If the amount is large, you can ask the public security company to pay off the balance in advance, cancel the mortgage of the house, and then re-apply for a loan at the bank. After obtaining the loan, you can repay the advance payment of the guarantee company.

First, what should I pay attention to in real estate mortgage loan?

1. Collateral must have residual value. Whether it is a property that is repaid in installments, a property purchased in full, or a mortgaged property, when applying for a mortgage loan, the property must have a residual value. Diversification of real estate mortgage interest rates. The bank has the lowest interest rate, but the review time is long. Other institutions lend faster, but the interest is higher.

2. The loan ratio is diversified. Most of them are classified by real estate. The loan ratio of housing, commercial housing, office building and villa is completely different.

3. Requirements for real estate. Different lots, housing age, area, decoration and other conditions affect the application, or the proportion and interest rate after the loan. Strict use requirements. At present, loans applied for real estate mortgage loans need to be used according to the purpose of the loan application, and it is strictly forbidden to be used for buying a house or investing.

Second, what should I do if the real estate mortgage loan is not available?

If the mortgage loan owed to the bank cannot be repaid at maturity, the bank has the right to auction the collateral and collect liquidated damages from the borrower. Because the mortgage owed to the bank is not repaid at maturity, the consequence is that the borrower's personal credit information is blacklisted by the bank. Generally, legal procedures are followed, and the court will decide to enforce the auction procedure. Other related knowledge: Conditions for applying for housing mortgage loan: individual housing mortgage loan, hereinafter referred to as housing mortgage loan and housing loan. Property buyers should fill in the mortgage loan application form with the loan bank, and provide legal documents such as ID card, income certificate, house sales contract, letter of guarantee, etc. After passing the examination, the loan bank promises loans to the buyers, and handles the real estate mortgage registration and notarization according to the house sales contract provided by the buyers and the mortgage loan contract signed between the bank and the buyers. The bank shall directly transfer the loan funds into the bank account of the housing sales unit within the time limit stipulated in the contract.