There is nothing wrong with freezing your bank card. Both of them (the deposit and the 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 rest will be returned to you.
Second, mortgage loans and freezing bank cards.
There is nothing wrong with freezing your bank card. Both of them (the deposit and the 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 rest will be returned to you.
3. Why should I freeze the bank card if there is collateral?
The reasons for freezing bank cards with collateral are as follows: 1, and bank deposits are convenient to execute; 2. Disposal of houses is very complicated, involving many procedures. Therefore, if there is property that is easy to execute, priority will be given to the property that is easy to execute. 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 of the Civil Procedure Law of People's Republic of China (PRC), the time limit for the people's court to freeze the 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 immovable property and freezing 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 extension formalities are not completed, 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, seized or frozen property cannot be auctioned or sold off. (4) the debt has been paid off; (5) The person subjected to execution provides a guarantee and the applicant agrees to lift the seal-up, seizure or freezing; (6) Other circumstances that the people think should be lifted. Where the seal-up, seizure or freezing of registration is cancelled, a notice of assistance in execution shall be issued to the registration authority.
Fourth, why should the bank card be frozen for real estate mortgage?
If the mortgage has been registered, it has no right to preserve the mortgage amount, but has the right to freeze the part other than the mortgage amount. But there is a certain procedure for freezing, after which it can only be frozen.
What is real estate mortgage?
Real estate mortgage refers to the behavior that the property owner takes the house deed as the mortgage to obtain the loan and pay the 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 priority to be compensated for the proceeds from the disposal of the mortgaged house. The parties who provide mortgaged houses are called mortgagor, and the original creditors who accept mortgaged houses are called housing mortgages people. 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.