If the borrower stops lending within the time limit, the bank will start to collect the loan, call and send text messages to the borrower every day, and take prosecution measures to collect the loan from the borrower who has stopped lending for more than 3 months. It doesn't matter to the bank that the house is unfinished. It only cares about whether the borrower returns the house on time every month. After all, the bank has paid the house to the developer and the borrower must repay the loan on time.

In addition to the blacklist of banks, borrowers may also be in the list of people who have broken their promises when they stop lending. After all, some borrowers stop lending because they can't afford the mortgage, but they don't want to repay the loan when they see the house unfinished. Once this kind of borrower refuses to implement after being sued by the court, it may be included in the list of people who have lost their trust, restricted from high consumption and unable to handle any financial and credit business.

Analysis of the relevant situation of loan suspension;

1. Don't stop lending without permission.

Although everyone doesn't live for credit reporting, it is hard to do anything in the credit union if it is not impossible to repay the loan. Therefore, it is recommended to repay the loan on time. Unless the negotiation with the bank is successful, the bank agrees that the borrower can stop repaying the loan and interest before the house is delivered, so that the borrower can stop lending, and the loan suspension will not affect the credit information.

2. sue the bank to stop lending.

If the bank is involved in illegal lending, for example, lending to the property that has not obtained the five certificates, or failing to distribute the funds to the supervision account as required; And the failure to closely monitor the flow of loans, resulting in misappropriation of loans, banks are also responsible. If the borrower has the information and evidence, he can unite with other commercial groups to defend his rights, go to court to sue the bank and ask the bank to stop lending. However, the judgment of the court shall prevail.

Reference to the above content: Baidu Encyclopedia-Regulations on the Administration of Credit Information Industry