No matter what happens, keep calm. This is a poem written by a great poet, which is very appropriate for the above situation. In short, the first thing is to stay calm and help yourself overcome difficulties with a clear brain. Today, Bian Xiao will talk about what can be done when the mortgage is not paid. For example, Bian Xiao thinks as follows.
First, communicate with the bank account manager in time.
In the face of mortgage repayment, don't have the idea of abandoning your house, let alone doing so, because you are not at the end of your tether. In fact, everyone in this business knows that problems with your customers will also affect your bonus. In fact, the interests of you and your customers are the same, so if you have any cash flow problems, you should first communicate with the account manager in time.
Why should we communicate with the bank account manager in time? What to say in the communication process? It's very simple, that is, tell your difficulties, let the account manager help you solve them, and give you more time to tide over the difficulties. This will not affect your credit history, nor will it cause overdue repayment. Remember, don't hide the truth from your credit account manager, or you may miss the best opportunity to solve the problem.
2. Apply for extension or installment repayment in advance.
In fact, the current loan banks are also very user-friendly and have relatively complete businesses. In other words, if your mortgage is not paid for the time being, you can contact the lending institution in advance and apply for deferred repayment or installment repayment, which is a necessary condition for you to strive for repayment pressure.
Third, the overdue time is short, so you can make a time difference.
If your mortgage is overdue, don't panic when you find it. Look at the expiration date first. If the overdue time is not long, such as three to five days, you must consult your loan account manager in time, because if it is short-term, the overdue record will not be submitted to the central bank immediately. Therefore, if overdue is found, you should immediately contact the lender, explain the reasons and indicate that you will make up the arrears in time.
Fourth, negotiate directly with the loan company.
In fact, loan companies are also worried about bad debts. Once there is a risk, they will choose to take back the principal first. Generally speaking, in order to recover the funds, as long as your conditions are not too excessive, they will not refuse.
Fifth, borrow money from relatives and friends.
If the buyer fails to do the above four methods, then there is only one left: if it is really unable to repay the mortgage and the platform refuses to negotiate, then it is the only way to borrow money from relatives and friends. Although it is a bit shameful to borrow money from relatives and friends, it is better than affecting credit. You know, once there is a problem with the credit record, it is difficult to recover it.