1. If it is really unable to repay, it shall negotiate with the lending institution to extend the repayment period or repay it in installments;

2. If the lending institution fails to perform the judgment of the court within the performance period after suing the court and winning the case, it will apply to the court for enforcement;

3. When accepting enforcement, the court will inquire about the real estate, vehicles, securities and deposits under the name of the lender according to law;

4. If the lender refuses to perform the effective judgment of the court because there is no enforceable property under his name, negative information such as overdue repayment will be recorded in the personal credit report, which will restrict high consumption and entry and exit, and may even lead to judicial custody.

Basically, it won't affect, and you can repay on time in the future.

Large loans refer to loans exceeding the agreed limits. Its standards are formulated by the Federal National Mortgage Association (Fannie Mae) and the Federal Housing Mortgage Corporation (Freddie Mac). For loan providers, large loans are risky, so their interest rates are also high. These loans have a loan balance limit. According to the average house price published by the Federal Housing Finance Agency (including new houses and old houses), the maximum loan amount of one to four families varies from year to year. These loan limits are called uniform limits.

Chinese name

Large loan

source

Dictionary of management science

Pipeline risk is the risk related to the issuance of housing mortgage loans. Including price risk and transaction interruption risk. The former means that if the mortgage interest rate in the market rises, it will have a negative impact on the value of loans under construction. The latter means that the applicant or anyone who receives the letter of commitment finally decides not to complete the transaction, that is, not to borrow money from the sponsor of the mortgage loan to buy a house. I have to say that China has entered the era of market economy, and the clan relationship in the past has gradually alienated. As people continue to work outside, the probability of borrowing money from relatives and friends is getting lower and lower. We have gradually entered the contract society, that is, by borrowing money from strangers. The strangers here are definitely not individuals, but some institutions that specialize in borrowing money.

China specialized lending institutions can be divided into two categories: one is official formal financial institutions; The other is unofficial financial institutions.

First of all, it is almost impossible to borrow money from official formal financial institutions.

Because financial institutions in China, whether for individuals or enterprises, have to be audited. The first level is to check whether you are qualified. If it is an enterprise, you must inquire about the operation of the enterprise; If it is an individual, it is necessary to inquire about personal credit information.

Obviously, netizens with poor credit information are definitely not the dish of official formal financial institutions, because they do not meet the standards.

Secondly, there are still opportunities to borrow money from unofficial financial institutions, but it depends on the situation.