Consequences if the bank loan is not paid: the lending bank will collect overdue loans according to law. According to the loan contract and guarantee contract (mortgage or pledge contract), the loan bank will bring a lawsuit to the court, and the court will take measures such as property preservation, including freezing the deposits in all bank accounts of you and the loan guarantor and sealing up your pledged property. After the judgment is made, the property will be enforced according to law (deducting deposits, auctioning collateral, etc.). ) to repay the bank's loan losses. Specifically, it includes: loan principal, loan interest, overdue interest, penalty interest, all litigation costs arising therefrom, and related expenses arising from the disposal of collateral. Your credit will be affected.

Bank mortgage loan is a loan that the borrower obtains from the bank with a certain amount of collateral. When the loan expires, the borrower must return it in full, otherwise the bank has the right to dispose of the collateral as compensation. The original lending institution of mortgage is called the mortgage sponsor, which can be a mortgage broker or a mortgage bank and is a part of the primary mortgage market. The income obtained by the mortgage loan promoters includes: (1) collection of mortgage loan payment fees, expressed in points, and each point represents 1% of the loan amount. (2) The profit obtained by the promoters from selling loans at a price higher than the initial cost is called secondary market profit. If the mortgage interest rate rises, sponsors will suffer losses when selling loans in the secondary market.

2. Early repayment refers to the part paid by the borrower that exceeds the monthly principal and interest payment. The prepayment without fully paying off the mortgage loan is called partial prepayment. Through contractual arrangements, it is forbidden to repay in advance within the agreed time limit, which is called lock-up period. The lock-up period is 2- 10 years. After the lock-up period, the guarantee of prepayment usually adopts other methods, such as prepayment penalty or rate of return maintenance fee.

Third, mortgage loan, also known as "mortgage loan". Refers to a loan method adopted by some national banks. The borrower is required to provide a certain amount of collateral as loan guarantee to ensure the repayment of the loan at maturity. Collateral is generally easy to preserve, wear and tear and sell, such as securities, bills, stocks, real estate and so on. After the loan expires, if the borrower fails to repay the loan on time, the bank has the right to auction the collateral and repay the loan with the proceeds from the auction. The balance of the auction money after paying off the loan shall be returned to the borrower. If the auction money is not enough to pay off the loan, the borrower will continue to pay off.

Four, who meet the conditions of personal housing commercial loans borrowers also deposit housing provident fund, while handling personal housing commercial loans, you can also apply to the bank for personal housing provident fund loans, that is, borrowers can buy urban self-occupied housing as collateral, and at the same time apply to the bank for personal housing provident fund loans and personal housing commercial loans (this loan method is referred to as personal housing portfolio loans).