When many people suddenly saw the news about "mortgage suspension", they were a little confused and didn't understand what was going on. If the loan is stopped, does it mean that you can only buy a house in full in the future? In other words, this is only a temporary situation, just wait for recovery. In fact, it is normal to have this question. After all, it is closely related to the business of ordinary people buying houses. As for what happened when the specific property stopped lending, let's take a look.

What is the suspension of real estate loans?

1. What is the suspension of real estate loans?

There are two possible explanations:

1. Due to some risks in the real estate market, such as uncompleted residential flats, many people who bought houses with loans could not get back the property they bought as originally planned, but asked the lending bank to stop repaying loans.

2. Due to the shortage of bank lending funds, it is unable to meet the demand for large loans such as mortgages, or it is necessary to adjust the new mortgage policy. Banks take the initiative to suspend the housing loan business and resume mortgage loans after sufficient funds or adjustments.

Second, the consequences of stopping mortgage repayment.

1, the bank loan funds cannot be recovered, and the situation is difficult and the funds are tight;

2. According to the loan contract, the borrower shall bear the corresponding overdue penalty interest and personal credit damage risk.

Third, the reason why banks suspended lending.

1. The risk of real estate is rising. Loans secured by real estate may have unrealizable risks if they cannot be recovered on time;

2. In the long run, it is necessary to make overall arrangements for bank funds, adjust some lending businesses and suspend mortgage loans.

3. Banks stop lending to real estate, which can also prevent a large amount of funds from flowing into the housing market, avoid real estate speculation and properly control the current environmental situation. /img _ mtrl/20 18-08/ 1 14/20 1808 100407789 . jpg