If the scale of the war is relatively small, most of the time everyone needs to repay it; but if the scale of the war is relatively large, even the bank may be bombed, so of course there is no need to repay it! During the war, stop thinking about the mortgage. What you need to think about now is how to survive. After all, survival is the most important thing at this time! Under normal circumstances, there is no necessary relationship between whether to repay the loan and whether the house is damaged

Some friends will say that the house has been bombed and no longer exists, so the loan will naturally disappear with it, so what else do you need to pay back? Loans, in fact, this idea is too simple.

Anyone who has a certain understanding of contract law or has strong logical thinking should know that buying a house and taking a loan are actually two independent events and are not directly related; buying a house is between you and the developer. A behavioral relationship, and mortgage loans are a behavioral relationship between everyone and the bank.

To put it more simply: you buy a house from a developer, but you don’t have enough money, so you go to the bank to borrow money to buy it. After buying it, you and the developer are settled; for As far as banks are concerned, if a bank is willing to lend you money, on the one hand, your personal qualifications are good and you meet the loan conditions. On the other hand, the bank will generally require you to use the house you purchased as collateral to provide a guarantee for your loan.

Because of this, in reality, when we buy a house, we usually sign two contracts, one is a real estate sales contract (signed with the developer), and the other is a real estate mortgage contract (signed with the bank). If a large-scale war occurs, the mortgage loan will basically not have to be repaid

If the scale of the war is relatively large and involves a wide range of areas, the social economy will be affected and may even collapse. The lender may also have died in the war. At this time, there is no talk of repayment.

Under a large-scale war, even if the lenders are alive and well, society will have a large number of defaulted debts, because no one is able to repay them, so after the war is over, it is equivalent to a society restarting. At this time What loan should I pay back?