1. The borrower has clearly stated that the mortgage owed has exceeded the borrower's repayment ability;

2. The borrower has the willingness to repay, and takes the initiative to explain the specific situation with the loan bank before the mortgage is overdue, and negotiate with the loan bank to solve it;

3. The borrower has reasonable reasons to suspend the mortgage payment, such as the borrower fails to repay the loan as scheduled due to external factors (including unemployment and illness of the borrower).

It should be noted that although the mortgage supports the suspension of repayment, it does not mean that it can definitely apply, and there is a certain probability that the application will fail. Banks need to decide whether to agree to the application of stopping interest and delaying repayment according to the actual situation of loan users.

When applying for bank suspension or deferred repayment, users are advised to keep a good attitude and have no other bad records. In addition, users can also provide some other supporting materials when applying, such as hospitalization certificate, unemployment certificate, labor contract cancellation certificate, etc. , can improve the application pass rate.

What should I do if the mortgage is not repaid?

1. Apply to the bank for suspension of repayment.

Some people may apply to the bank for a moratorium on repayment for some reasons, such as unemployment and economic tension, but this moratorium can only be suspended for several periods. Moreover, the repayment of the principal is only suspended first, and the monthly interest is still given. But in this case, the pressure can also be slightly reduced. During this time, hurry to find a job, find ways to open up sources and pay off the mortgage.

2. Apply to the bank to extend the loan term.

In addition to suspending repayment, you can also apply for an extension of repayment period. Although the interest cost is higher, the pressure of monthly sharing is much less. It can be seen that the monthly repayment burden of 30-year period is less than that of 20-year period 1k+, which can also reduce the economic pressure of families.

3. Legal basis:

Article 675 of the Civil Law of People's Republic of China (PRC) stipulates that the borrower shall repay the loan within the agreed time limit. If the term of the loan is not agreed or clearly agreed, and cannot be determined according to the provisions of Article 510 of this Law, the borrower may return it at any time; The lender may urge the borrower to return it within a reasonable period of time.

Article 676 of the Civil Code of People's Republic of China (PRC) stipulates that if the borrower fails to repay the loan within the agreed time limit, it shall pay overdue interest in accordance with the agreement or relevant state regulations.

Langrun times city

Sales reference price: reference average price 10800 yuan/m2.

Property address: 500 meters west of the intersection of North Second Ring Road and Weiyuanmen Road (Jinduyuan West)

Property telephone number: 400-8 18-0066 to 075730.