In the decades-long mortgage repayment life, it is extremely likely that the mortgaged house will not be able to repay the mortgage. In this situation,

1. The suggested solutions are as follows:

1. Extend the loan period: If you cannot repay the mortgage on time according to the original repayment plan, you can apply to the bank to extend the loan Deadline for application. After the bank approves it, you can sign a deferred repayment agreement. There is usually only one opportunity to apply for deferred repayment, and the maximum extended period cannot exceed 30 years.

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

2. Methods to ease mortgage pressure

1. Choose a repayment method that suits you

Bank repayment methods include equal amounts of principal and equal amounts of principal and interest. For people who have only been working for a few years, their financial foundation is relatively weak. If they feel heavy repayment pressure, they can choose the repayment method of equal principal and interest, and appropriately extend the repayment time, so that the monthly repayment amount will also be reduced. , the mortgage loan pressure will be less.

2. Save money and reduce expenses

Once the monthly income is received, in addition to leaving part of the living expenses, the rest must be made mandatory savings. And since you need to repay the mortgage, it is inevitable to reduce your living expenses. You must reduce unnecessary expenses. Save whatever you can, and you must know that every little bit adds up to a tower.

3. Open source and learn to manage money

In addition to reducing your own expenses, you should also find more ways to make money. You can do part-time jobs and side jobs in your spare time. Of course, the most important thing is If you want to use money to make money, buy some financial management products. Nowadays, the popular online loan financial management is a good choice. It has a low starting point and good returns. You can also deposit and withdraw at any time. You can also get good returns by putting your living expenses here. Financial management The most important thing is safety. Choose a financial management platform that guarantees principal and interest.

4. Correct your mentality

Mortgage is just a part of life. You cannot wake up in the morning and think about how much mortgage you will have to pay this month. So, this Something that will burden the soul. You must correct your mentality and believe that you can pay off all the loans very quickly and get rid of the identity of a house slave.