1. The maximum period for applying for a mortgage extension shall not exceed the period of the original loan contract. If the bank agrees, the extension can be up to 1 year. The specific situation is that the loan extension period shall not be lower than the original loan terms: the short-term loan extension period shall not exceed the original loan period, the medium-term loan extension period shall not exceed half of the original loan period, and the long-term loan extension period shall not exceed 3 years at most.

2. The bank will auction the house if it is maliciously overdue, and use the proceeds from the auction to repay the bank's loan. Failure to repay a loan means that after a commercial bank or other financial institution has taken all possible legal measures and all necessary legal procedures to disburse the loan, the principal and interest are still unable to be recovered or only a very small part can be recovered. This is also a loan risk. . For lenders, if the loan is not repaid, they also need to bear a series of responsibilities and consequences. If you are sued to court for repaying a loan and still fail to repay the loan after the court's judgment is executed, you can report it to the Supreme People's Court and enter the "List of Dishonest Persons Subject to Execution", also commonly known as the "List of Lao Lai", and you will be banned from riding Travel by airplane, high-speed rail, etc.

1. Home loan, also known as home mortgage loan. A home loan is when a home buyer fills out an application for a home mortgage loan to the bank and provides legal documents such as ID card, income certificate, house sales contract, letter of guarantee, etc. that must be submitted. The bank will make a commitment to the home buyer after passing the review. Grant loans.

2. According to the house sales contract provided by the home buyer and the mortgage loan contract entered into between the bank and the home buyer, handle the real estate mortgage registration and notarization. The bank will directly transfer the loaned funds within the period specified in the contract. The sales unit is transferred to the bank's account.

3. The participants in the housing loan, including the commercial banks that provide credit funds, the home buyers who ultimately purchase the property, and the owners of the property (including developers/owners of second-hand houses), when applying for a loan, repay The participation of appraisal companies and housing mortgage guarantee companies is required.

4. In order to avoid mortgage risks, banks generally require borrowers to provide guarantee certificates from legal persons, other economic organizations or natural persons with sufficient repayment capacity. If you can find friends or relatives who are willing to provide guarantee and have financial strength, they can provide the bank with a written document and credit certificate that is willing to guarantee.