When I bought a house, I took out a down payment and the goods were taken back by the developer. He was also sued for voluntary repayment, reached a settlement with the other party and asked the other party to withdraw the lawsuit. What we need to pay attention to is that the house recovered by the bank through court auction is enough to pay off the mortgage, and then naturally we don't owe the bank money. If there is any money left after the auction proceeds are used to offset the mortgage, the bank will return the remaining money to us. Moreover, after the house is repossessed, there is still a chance to get it back if the debt can be paid off before the court auction. When applying for a mortgage, you should choose the appropriate loan term according to your repayment ability, otherwise the loan is too short and the monthly payment is too high.

Housing loan, also known as housing mortgage loan, is an application form for housing mortgage loan, ID card, income certificate, housing sales contract, guarantee and other legal documents filled out by the buyer to the loan bank. , must be submitted. After passing the examination, the loan bank promises the loan to the buyer, and handles the real estate mortgage registration and notarization according to the house sales contract provided by the buyer and the mortgage loan contract concluded between the bank and the buyer. The bank directly transfers the loan funds to the sales unit within the time limit stipulated in the contract.