There is nothing wrong with freezing your bank card. Both parties (deposit and house) have the obligation to repay the loan, and they will return the money on the bank card to the loan. If the loan is insufficient, the house will be auctioned and the surplus will be returned to you.
Second, mortgage loans, freezing bank cards.
There is nothing wrong with freezing your bank card. Both parties (deposit and house) have the obligation to repay the loan, and they will return the money on the bank card to the loan. If the loan is insufficient, the house will be auctioned and the surplus will be returned to you.
3. Why should I freeze the bank card if there is collateral?
Reasons for freezing bank cards with collateral: 1, bank deposits are easy to execute; 2. Disposal of houses is complicated and involves many procedures. Therefore, if there are properties that are easy to implement, priority will be given to those that are easy to implement. 3. You can directly ask whether it belongs to the blacklist, or you can query it in the list of untrustworthy people. Freezing is just a way and will not be associated with the blacklist: 1. Article 29 The time limit for freezing bank deposits and other funds of the person subjected to execution shall not exceed six months, the time limit for sealing up or distraining movable property shall not exceed one year, and the time limit for sealing up or freezing immovable property and other property rights shall not exceed two years. Except as otherwise provided by laws and judicial interpretations. Where the person subjected to execution applies for an extension of the time limit, he shall go through the formalities of sealing up, distraining and freezing before the expiration of the time limit for sealing up, distraining and freezing, and the extension period shall not exceed half of the time limit specified in the preceding paragraph. 2. Article 30 If the time limit for sealing up, distraining and freezing expires and the parties fail to go through the extension formalities, the effectiveness of sealing up, distraining and freezing shall be extinguished. If the seized, detained or frozen property has been auctioned, sold or paid off, the effectiveness of the seizure, detention and freezing shall be extinguished. Article 31 In any of the following circumstances, the people's court shall make a ruling to lift the seizure, seizure or freezing, and serve it on the application executor, the person subjected to execution or the outsider: (1) The property of the outsider is seized, seized or frozen; (2) The application executor withdraws the application for execution or waives the creditor's rights; (3) The sealed-up, distrained or frozen property cannot be auctioned or sold. (4) The debt has been paid off; (five) the person subjected to execution provides a guarantee and the applicant agrees to lift the seizure, seizure and freezing; (six) other circumstances that the people think should be lifted. Where the seal-up, seizure or freezing implemented by cancellation of registration is carried out, a notice of assistance in execution shall be issued to the registration authority.
Fourth, why does the real estate mortgage freeze the bank card?
Those who have registered the mortgage have no right to preserve the mortgage amount, but have the right to freeze the part other than the mortgage amount. But there is a certain procedure for freezing, and then it can be frozen.
What is real estate mortgage?
Real estate mortgage means that the property owner takes the deed of house as the mortgage and obtains the loan to pay interest on schedule. The property right of the house is still managed by the property owner himself, and the creditor only takes interest on schedule and has no right to manage the house. After the loan is paid off, the property owner will terminate the mortgage of the deed. When the debtor fails to perform the debt, the creditor has the right to dispose of the mortgaged house according to law, and has the right to receive priority compensation for the proceeds from the disposal of the mortgaged house. The party who provides the mortgaged house is called the mortgagor, and the original creditor who accepts the mortgaged house is called the mortgagor. The mortgagor of a house must have full capacity for civil conduct, and a person without capacity for civil conduct or with limited capacity for civil conduct may not set up a house mortgage.