The hazards of housing mortgage loans are:

1. Default risk: Even if the mortgagee is a bank, there are default risks when the borrower applies for real estate mortgage, including compulsory default and rational default. Compulsory breach of contract refers to the borrower's forced breach of contract because of his insufficient ability to pay, which shows that the borrower is willing to repay, but unable to repay. Rational breach of contract refers to the borrower's active breach of contract. According to the equity theory, in a perfect capital market, the borrower can only decide whether to default by comparing the only equity in his house with the mortgage debt.

2. Liquidity risk: There are some sexual risks in real estate mortgage loans, including liquidity risk and liquidity risk. Liquidity risk refers to the risk that short-term deposits and long-term loans are difficult to realize. China real estate mortgage loans mainly come from provident fund and savings deposits. Savings deposits absorbed by banks are short-term deposits, usually only three to five years, while housing mortgage loans are long-term loans.

3. Economic cycle risk: Economic cycle risk is relatively rare, which refers to the risk caused by periodic fluctuations in the overall level of the national economy. Compared with other industries, the real estate industry is more sensitive to the economic cycle.

4. Interest rate risk: I believe everyone understands that interest rate risk refers to the risk brought by the change of loan interest rate to the asset value of the bank. Interest rate risk is determined by the capital structure of short-term deposits and long-term loans. Fluctuations in interest rates, whether rising or falling, will bring losses to banks. If the interest rate rises, the mortgage interest rate will also rise, which may increase the repayment pressure of borrowers. The higher the loan amount, the longer the loan term and the greater its influence, thus increasing the risk of default.

What should I pay attention to in mortgage loan?

1. Credit is an important basis for banks to approve loans. In order to avoid capital risk, the bank will review the credit of the lender. If there are many overdue loans or blacklists, banks will refuse loans, so credit is a very important condition.

2. Whether the property can be mortgaged, some properties can't be mortgaged without the title certificate. Therefore, you must obtain the property right certificate before you can apply to the bank.

3. Other properties, with high one-time pass rate, can provide other properties under their names and can be recognized. However, when providing it, the consent of all property owners must be obtained, and written materials must be prepared before the bank will recognize it.

4. Materials provided. When applying, the bank will ask for identity information materials, real estate licenses and other materials. All materials provided must be true and correct, and no false materials shall be provided. If the bank finds out, it will directly refuse the loan, be blacklisted, and can no longer apply for a loan. Those who cause economic losses will also bear relevant legal responsibilities.

Is it risky to buy a house with mortgage loan? Is mortgage a risk to the borrower?

Core Tip: What should I pay attention to when buying a house with a mortgage loan? Mortgage to buy a house process should pay attention to provide real information, but also be careful that the loan application is unsuccessful, so that developers can confiscate the purchase deposit. In addition, it should be noted that it is best not to sign a cross-default clause; Rental mortgage housing, to fulfill the obligation to inform; Earnestly fulfill the repayment obligation and prevent the bank from recovering the loan in advance. The following legal experience will be introduced in detail for you in this article. Is mortgage a risk to the borrower? Mortgage loan has certain risks to the borrower, specifically: (1) deviates from the expected income. Due to the borrower's high expectation of his own income, the actual income growth level failed to reach the expected goal, resulting in insufficient repayment ability. (2) Unemployment or business failure. Because the borrower is dismissed, the enterprise goes bankrupt or the borrower's own business fails, the source of repayment is lost. (3) Moral and credit risks. When the social credit needs to be generally improved, it is not excluded that the borrower will default subjectively, especially when the guarantee clause is not binding on the borrower or the collateral is difficult to implement, the credit risk is particularly prominent. In addition, if the market fluctuates greatly and the real estate depreciates rapidly, the borrower's mind will be unbalanced, thus causing resistance to repayment. (4) Accidental injury and disaster risk. The borrower is disabled due to accidental injury, loses the ability to work and loses the source of livelihood. Or suffer heavy losses due to fire, flood, storm and other reasons, and lose repayment ability. What should I do if I can't afford the mortgage after buying a house with a mortgage loan? After buying a house with a mortgage, according to the contract, a certain amount of mortgage can be repaid every month, and half of it can be repaid on schedule. However, in case of special circumstances, such as job changes, sudden decrease in family income or illness, some lenders are really unable to repay on schedule. What should I do at this point? (1) Apply for extension of loan repayment. During the performance of the original mortgage contract, if the borrower fails to repay the loan on schedule according to the original repayment plan, he may submit a written application to the loan bank to extend the loan period. After the loan bank agrees, he shall sign an individual housing loan deferred repayment agreement and go through the relevant formalities, and the guarantor shall sign an deferred repayment agreement at the same time. The borrower can only apply for a loan extension once, and the sum of the original loan term and the extension term shall not exceed 30 years at the longest. When the original loan term and extension term reach the new interest rate term grade, the loan interest will be charged at the new term grade interest rate from the date of extension. No longer adjust accrued interest. (2) Transfer and sale of houses. Transfer and sell the purchased house with the consent of the bank, and repay the loan with the proceeds from the transfer and sale; The new purchaser enters into a mortgage contract with the bank, and the new purchaser continues to fulfill the repayment obligation. Although this is not an ideal method, it is much more positive than the bank's solution through auction or litigation, and the economic loss is much smaller. (3) auction real estate. After the bank auctions your property, it will only detain the money you owe to the bank, including the penalty interest for unpaid principal, and will refund it to you if it is excessive. What problems should I pay attention to when buying a house with mortgage loan? (1) Provide true information. If mortgage buyers provide false materials to the bank, it may have a serious impact: it will affect the bank's audit, and ultimately it will be impossible to issue loans and realize the dream of living; What's more, it may be because individuals provide false materials, which leads to the inability to apply for mortgage loans, which leads developers to require buyers to bear the liability for breach of contract for overdue delivery of mortgage materials and pre-sale contracts of commercial housing, and pay a considerable amount of liquidated damages. (2) Be careful that the loan application is unsuccessful and let the developer confiscate the house purchase deposit. When the buyer signs a house purchase contract with the developer to pay the down payment, it must be clearly stipulated in the contract that if the buyer applies to cancel the house purchase contract because the mortgage loan has not been approved by the bank, the developer shall fully refund the down payment paid by the buyer to avoid the loss of the down payment. (3) It is best not to sign the "cross-default clause". Under normal circumstances, do not sign a "cross-default clause" with the developer. If you must sign or have signed similar terms, you must pay attention to timely repayment to avoid the situation that developers buy back or dispose of mortgage collateral because of personal default repayment. (4) Lease the mortgaged house and fulfill the obligation of informing. If the house purchased by the mortgagor is rented during the loan period, the lessee must be informed in writing of the fact that the house is being repaid and mortgaged. Only when the property buyers fulfill the obligation of informing, if the bank exercises the mortgage right due to the failure to repay the loan, the property buyers can be exempted from the liability for compensation to the lessee. (5) Earnestly fulfill the repayment obligation to prevent the bank from withdrawing the loan in advance. The borrower shall perform its obligations in strict accordance with the repayment time and amount agreed in the loan contract. If you really need to repay in advance, you should do the relevant work in advance to avoid causing losses to yourself. (6) After the loan is paid off, the mortgage registration shall be cancelled in time. After paying off all the principal and interest of the loan, the property buyers must go to the Housing Authority to cancel the mortgage registration in time with the bank's loan settlement certificate and relevant documents to ensure the integrity of property rights. Only in this way can property buyers avoid the possible association or risk caused by not going through the formalities of canceling mortgage registration.

What are the risks of real estate mortgage loan?

1, default risk

Even if the mortgagee is a bank, there are default risks for the borrower to handle the real estate mortgage loan, including compulsory default and rational default. Compulsory breach of contract refers to the borrower's forced breach of contract due to his own reasons and insufficient ability to pay, which shows that the borrower is willing to repay, but unable to repay. Rational breach of contract refers to the borrower's active breach of contract. According to the equity theory, in a perfect capital market, the borrower can only make a decision whether to breach the contract by comparing the unique rights and interests in his house with the size of mortgage debt.

2. Liquidity risk

There are certain risks in real estate mortgage loan, including liquidity risk, which refers to the risk that short-term funds and long-term loans are difficult to realize. Nowadays, the liquidity risk of real estate mortgage loan is reflected in the fact that housing loans in China mainly come from provident fund and savings deposits. Savings deposits absorbed by banks belong to short-term deposits, generally only three to five years, while housing mortgage loans belong to long-term loans.

3. Business cycle risk

Economic cycle risk is relatively rare, which refers to the risk caused by periodic fluctuations in the overall level of the national economy. Compared with other industries, the real estate industry is more sensitive to the economic cycle.

4. Interest rate risk

As we all know, interest rate risk refers to the risk brought by the change of loan interest rate level to the value of bank assets. Interest rate risk is determined by the capital structure of its short-term deposit and long-term loan business, and the fluctuation of interest rate will bring losses to banks whether it rises or falls. If the interest rate rises, the interest rate of housing mortgage loans will also increase, which may increase the repayment pressure of borrowers. The higher the loan amount, the longer the loan term and the greater the impact, thus increasing the risk of default.