1. You can apply to the bank in writing to extend the loan term. After the approval of the bank, you can sign an agreement on deferred repayment of individual housing loans and go through relevant procedures. At the same time, the guarantor will sign a deferred repayment agreement.

2. Transfer or sell the house, and then repay it with the purchase price.

3. When the debt is due, the bank will realize the mortgage.

Extended data:

What is the most cost-effective repayment method?

1. average capital repayment method: This method means that the loan applicant repays the same principal every month, and the monthly interest will decrease with the decrease of this amount. There are more principal and interest paid in the early stage, but the total amount of interest to be paid is relatively small, and the repayment burden decreases month by month. This repayment method is suitable for loan applicants who have sufficient funds at hand after the loan and have high repayment ability in the early stage.

2. Matching principal and interest repayment: This is the most mainstream repayment method at present. In this way, the same amount will be paid every month, and the principal and interest amount will be different. The previous principal amount is greater than the interest amount; The amount of interest paid later is greater than this amount. This repayment method is suitable for loan applicants with stable income, and it is more convenient to arrange income and expenditure; Its disadvantage is that the amount of interest paid is relatively large, the interest will not decrease with the decrease of principal, and the total interest on repayment is high.

3. One-time repayment of principal and interest: If the loan term is within one year (including one year), the principal and interest will be repaid at maturity, and the interest will be paid off together with the principal. This repayment method is generally only open to small short-term loans. The applicability is not strong.

How can I apply for an extension if the mortgage has not been repaid?

1. How to apply for deferred repayment of mortgage?

The application for deferred repayment of mortgage can be called to the bank staff, and the customer service staff will register the information and then hand it over to the back office or the account manager of the customer's mortgage handling outlet for follow-up; Housing mortgage loan customers can also directly call the business outlets to apply.

For patients who cannot apply in advance under special circumstances, such as intensive care or hospitalization, some banks also accept post-treatment within a certain period of time. Upon application, they can make special treatments such as reducing the penalty interest on loans and restoring credit information during the epidemic prevention and control period. (If the credit information has been submitted, it can be adjusted. )

The Notice on Further Strengthening the Financial Support for Prevention and Control in novel coronavirus appropriately inclines the credit policies of the following four categories of personnel, flexibly adjusts the repayment arrangements of personal credit such as housing mortgage and credit card, and reasonably delays the repayment period:

The first category, hospitalized or isolated patients with new pneumonia;

The second category, epidemic prevention and control needs to isolate observers;

The third category is the staff involved in epidemic prevention and control;

The fourth category is people who have temporarily lost their sources of income due to the epidemic.

Second, the main impacts of overdue mortgage loans are as follows:

1. Default interest and overdue fine will be incurred, and default interest will be imposed according to the loan contract signed with the bank;

2. Overdue will also affect personal credit information, and banks will enter bad records into the credit information system of the People's Bank of China. If you want to apply for a credit card from the bank, get a loan to buy a car, invest, etc. It will be even more difficult in the future, and the impact of credit reporting on overdue mortgages is much more serious than that of usual credit cards.

3. In case of overdue repayment, the bank can recover all the mortgage in advance according to the loan contract. If you don't pay back for a long time or many times, the bank will sue the court, and the court will seal up your property for auction, forcing you to pay off all the loans at one time.

Now, no matter mortgage, labor relations, and many other issues, we must make concessions for the prevention and control of the epidemic within the scope permitted by law. When banks implement the policy of delaying repayment of mortgage loans, the specific operational details are different. If the borrower has any questions, call the bank.

In real life, repayment can be delayed during the epidemic period, but the delayed repayment usually requires the parties to make certain actions, otherwise the bank will not take the initiative to postpone the formalities, but for the applicant, it is best to contact the local outlets first to understand the relevant knowledge before applying.

How to apply for deferred repayment of bank loans

Bank loans can be applied for deferred repayment. The explanation is as follows:

If the bank determines that the lender has temporary cash flow difficulties during the loan period, which leads to the inability to repay the loan principal on time and meets the conditions for extension, it may extend the loan.

The loan extension shall meet the following conditions:

Whether the extension is decided by the lender, but the guarantor, mortgagor and pledger need to issue a written consent certificate. If there is an agreement, it shall be implemented in accordance with the agreement;

The loan extension period shall not be lower than the original loan conditions. The extension of short-term loans shall not exceed the original loan term; The extension of medium-term loans shall not exceed half of the original loan term; The longest extension of long-term loans shall not exceed 3 years;

The lender's application for extension needs to be true, and there can be no malicious non-repayment.

Extended content:

Overdue repayment:

Generally speaking, every bank will charge a certain interest for overdue repayment, which is different from each bank, and is generally five ten thousandths of the interest.

However, the value date should be calculated from the date of consumption, not from the day after the last repayment date.

It is suggested that if the credit limit is not reached, the minimum repayment amount can be paid first without affecting the credit limit.

At the same time, there will be a buffer period, so that the bank can know the flow of funds in your account in time and will not freeze the account.

When the credit card (debit card) holder chooses the minimum repayment method or uses the card to exceed the credit limit approved by the issuing bank.

If you no longer enjoy the interest-free repayment period, you should pay the overdraft interest calculated at the prescribed interest rate from the bank bookkeeping date.

References:

Baidu encyclopedia entry (overdue repayment? Network link)

The best way to deal with the inability to repay the mortgage.

The best way to deal with the inability to repay the mortgage.

1. Apply for deferred repayment.

Whether the mortgage is repaid is always your own problem, which is related to the bank's capital rights and interests. Be sure to consult the bank for the first time, explain your special situation and see if you can apply for deferred repayment. As long as the bank agrees to give a certain grace period, then you still have a chance and will not cancel the mortgage.

2. Borrow money from relatives and friends

This is the most effective way, there is no way. Generally, as long as you explain your special situation, there is still some money for relatives and friends to save. After paying off this month's mortgage, you will have a one-month buffer period. Whether looking for a new job or doing odd jobs, making money is the primary task.

Step 3 Apply for a loan or credit card

Although the mortgage has not been repaid, but at least it is not overdue, you can apply for a loan or credit card again. Generally, you only need to authorize personal credit information. There is no bad record of overdue credit reporting, and it can still be handled more or less. Using part of your own funds to repay the mortgage and then using the loan amount or credit card for daily consumption can save a little and temporarily relieve the pressure. But it is urgent to find a job with income, because it is not only a mortgage, but also a loan or credit card.