Generally, customers' requirements can be accepted, and banks can earn more interest by paying interest first and delaying repayment of principal. As long as mortgage customers don't maliciously evade debts, banks have no losses.
2. Request to extend the repayment period: You can discuss with the bank to extend the repayment period. For example, the original mortgage term was 20 years, and it has been repaid for 8 years. Due to sudden financial difficulties, it is impossible to repay the fixed principal and interest regularly.
At this time, you can take the initiative to negotiate with the bank and extend the mortgage term to 20 or even 30 years according to your monthly mortgage expenditure.
3. Borrow money from banks again: In fact, in order to meet the needs of customers, many banks have launched "wealth management mortgages" to facilitate mortgage customers to lend their own mortgages.
However, it should be noted that the interest rate of the loan amount is a little higher than the mortgage interest rate. Although the interest rate is relatively high, it is still cheaper than the general unsecured credit loan interest rate, so it is quite popular with mortgage customers.
4. Take the initiative to sell the house: If the property owner is really unable to repay, the loan can't be borrowed, and it is expected that it will not be paid in the future, you can take the initiative to sell the house and repay the loan.
Selling your own house is more cost-effective than being auctioned by the court. You can sell your own house at the normal market price, while the court auction is greatly discounted.
Mortgage means that the buyer fills in the mortgage loan application form to the bank and provides legal documents such as ID card, income certificate, house sales contract and guarantee letter. The bank promises to grant loans to the buyer after passing the examination, and handle the notarization of real estate mortgage registration 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 seller's account within the time limit stipulated in the contract.
20165438+the latest survey data of 2003124 October shows that according to the sample data of 10,1-132
2065438+June 2008, Beijing Industrial Bank has outlets to raise the interest rate of the first home loan by 30% compared with the benchmark interest rate. The staff of a branch in Chaoyang District of Industrial Bank said that the current notice of the branch is that the interest rate of the first home loan will rise 10% on the basis of the benchmark probability. "The interest rates of other branches are not clear."
Participants in mortgage loans, including commercial banks that provide credit funds, buyers who eventually purchase real estate, and property owners (including developers/second-hand housing owners), also need to participate in the evaluation company and mortgage guarantee company when applying for loans.
Statistics released by Beijing Wancai United Investment Management Co., Ltd., a real estate guarantee company, show that the mortgage utilization rate has reached a high level in major first-tier cities in China at the end of 20 10. In terms of mortgage loans for house purchase, the loan ratio has reached more than 70%, and in recent years, more and more residents have applied for mortgage loans for real estate consumption by using their own names or relatives' real estate. "Mortgage" has become a way of life closely related to residents' lives.
classify
housing loans
Personal housing loan refers to the loan issued by the bank to the borrower for purchasing ordinary housing for personal use. The borrower must provide a guarantee when applying for a personal housing loan. Personal housing loans mainly include entrusted loans, self-operated loans and portfolio loans. entrusted loan
Entrusted loans for individual housing refer to loans issued by banks to individuals who purchase ordinary housing according to regulations, and the source of funds is housing provident fund deposits. Also known as provident fund loans.
Self-operated loan
Personal housing self-operated loans are loans granted to individual buyers with bank credit funds as the source. Also known as commercial personal housing loans, the loan names of banks are different. China Construction Bank is called individual housing loan, and Industrial and Commercial Bank and Agricultural Bank are called individual housing guarantee loan.