Solutions to the problem of non-repayment of mortgage;

1. Extend the loan term: If the mortgage cannot be repaid on schedule according to the original repayment plan, you can apply to the bank for extending the loan term. After the approval of the bank, a deferred repayment agreement can be signed. Usually, there is only one opportunity to apply for deferred repayment, and the longest delay cannot exceed 30 years.

2. Apply for repayment extension: At present, many banks can apply for mortgage loans. When the borrower is unable to repay the loan, he can temporarily explain the situation to the bank and apply for deferred repayment. The extension time can be decided by the borrower, but there is a maximum time limit, and the extension can usually only be applied once or twice.

3. If you really can't repay the mortgage, you can ask your relatives and friends for help, temporarily solve the dilemma, and try not to default on the mortgage. If the supply is cut off for a long time, the house is likely to be auctioned.

4. If the buyer can't repay the mortgage on time due to unexpected events, he can apply to the loan bank for loan extension 30 days in advance. After verification, the bank will appropriately extend the mortgage term and reduce the monthly payment.

5. Finally, there is a way to sell a house. Find an intermediary company to advance the remaining loan (of course, the intermediary will charge a certain fee), and then entrust the intermediary to sell the house and earn a certain price difference.

Second, what should I do if the loan of the rural credit cooperatives is not repaid when it expires?

1. If the loan cannot be repaid in full on the interest payment date, the bank will temporarily list it as a collection note and call the borrower to remind him to repay it within 7 days. If it is paid within 7 days, the bank will not charge any late fees. However, if the payment is overdue for more than 7 days, you must pay the late payment fee or penalty interest.

2. Personal credit will be affected. The longer the time, the higher the amount and the greater the impact. In this case, it will be difficult for borrowers to get loans in the future. Lending institutions may prevent borrowers from lending because of their poor credit.

The most serious thing is getting caught. If the repayment is still overdue after repeated urging by the credit union, the staff of the credit union can take the borrower to court and let the judgment auction the borrower's assets for repayment. Whether it is a mortgage loan or a credit loan, this can be implemented.

At this time, if it is really unable to repay, it is recommended to communicate with the bank and negotiate with the lending institution to extend the repayment period or repay it in installments. Of course, you can also borrow money from friends and relatives. If the loan amount is not large, you can explain the situation to your friends, agree on the loan amount and repayment time, and write down the loan note to dispel the concerns of relatives and friends about the loan, so as to solve the urgent need.

What will happen if my loan in the rural credit cooperative does not expire? Ask a question

1. If the loan cannot be repaid in full on the interest payment date, the bank will temporarily list it as a collection note and call the borrower to remind him to repay it within 7 days. If it is paid within 7 days, the bank will not charge any late fees. However, if the payment is overdue for more than 7 days, you must pay the late payment fee or penalty interest.

2. Personal credit will be affected. The longer the time, the higher the amount and the greater the impact. In this case, it will be difficult for borrowers to get loans in the future. Lending institutions may prevent borrowers from lending because of their poor credit.

The most serious thing is getting caught. If the repayment is still overdue after repeated urging by the credit union, the staff of the credit union can take the borrower to court and let the judgment auction the borrower's assets for repayment. Whether it is a mortgage loan or a credit loan, this can be implemented.

At this time, if it is really unable to repay, it is recommended to communicate with the bank and negotiate with the lending institution to extend the repayment period or repay it in installments. Of course, you can also borrow money from friends and relatives. If the loan amount is not large, you can explain the situation to your friends, agree on the loan amount and repayment time, and write down the loan note to dispel the concerns of relatives and friends about the loan, so as to solve the urgent need.

3. What should I do if my money in the rural credit cooperatives is not due yet?

Handling of overdue loans of rural credit cooperatives: when the arrears are overdue, collect the loans; If it is overdue for more than 90 days, a lawsuit will be filed: ① According to the loan contract and guarantee contract (mortgage or pledge contract), the lender will take measures such as property preservation, including freezing the deposits in all bank accounts of the lender and the loan guarantor, and will enforce them according to law after the deposits are sealed up and pledged (deducting the deposits to pay off the loan losses of the bank). ③ Specifically, it includes: the loan principal, the loan and all litigation costs arising therefrom, and related expenses incurred when the collateral (pledge) is realized. Credit will be affected. If the company is a borrower, your company's loan in the national bank credit information will also be recorded as overdue loan in the national personal credit information system.

4. What should I do if my money in the rural credit cooperatives is not due yet?

The loan needs to be used reasonably, and then the bank will look at your repayment ability. If you want the credit union to see that your loan is used in the right direction and you are absolutely capable of paying it back, that's fine.

For example, if you have a rural hukou and have land at home, you can tell the credit union that you need a little money to build a few acres of greenhouses, and then you can collect the vegetables you grow and sell them, so that you can repay the loan. Besides, your wife has a stable job, so it's definitely no problem to repay the loan.