First of all, answer directly.

The following measures can be taken to deal with the inability to repay the mortgage loan.

Second, the specific analysis

1. Users still want real estate: If users still want real estate, they can apply to the bank for deferred repayment if they are unable to repay. Due to special reasons, extensions are generally successful. The extension time usually varies from 1-6 months. During the extension period, users have more time to prepare repayment funds. On the specified repayment date, the user needs to repay the expected repayment amount and the current repayment amount in one lump sum.

2. Users don't want real estate: users can't repay their mortgages and don't want real estate, so they can apply to the bank for auction of real estate.

After the bank auctions the real estate, the proceeds from the auction will be used to return the remaining amount to be repaid, and the insufficient part will be made up by the user, and the excess funds will be transferred to the user's bank card.

What will happen if the house mortgage is unable to repay? 1. Failure to repay the mortgage loan will result in overdue records, and uploading the overdue records to the credit information will lead to poor personal credit information.

2. Failure to repay on time will generate overdue interest, which will be charged according to the number of days overdue. The longer the overdue period, the more interest will be generated.

3. During the overdue period, users will encounter many collections, and even relatives and friends around them will encounter collections. When the overdue situation is serious, someone may come to collect it.

4. The bank will directly use the user and judge whether the user repays the loan.

Will the house mortgage loan be unable to repay? If the mortgage loan cannot be repaid in 3 months, the bank can use it, but the actual situation depends on the serious overdue situation.

As long as the user has a good attitude and shows willingness to repay after loans overdue, the bank will give the user a certain time to repay. If the user defaults again and fails to repay, the bank may repay the user.

If I can't repay it, can I ask the bank to auction my mortgage? If I can't repay it, I can ask the bank to auction my mortgage.

When there is no bank, as long as the lender and the bank agree to auction the property for repayment, then the bank can directly auction the property for repayment.

There are many online loan big data systems that can provide online loan records, which can be found: Beijian Quick Check. You can query important data information such as online loan application record, application platform type, overdue, overdue amount, credit card and online loan credit estimated amount.

Third, must the down payment for the first commercial housing loan be 30%?

When applying for a commercial loan to buy the first suite, the down payment ratio shall not be less than 30%, but the regulations of different regions and different banks may be different, and the down payment ratio stipulated by banks in some regions may be higher.

For example, Shanghai stipulates that the minimum down payment ratio of the first set of commercial personal housing loans is 35%.

If the down payment is less than 30%, banks may be worried about the low level of economic income and insufficient repayment ability, thus refusing to approve loans.

On the basis of the minimum 30%, those who have the ability to pay as much down payment as possible can reduce the loan amount and make it easier for the loan to pass the examination and approval.

The purchase of the first suite is a provident fund loan, and if the construction area exceeds 90 square meters, the down payment ratio cannot be less than 30%; If the construction area is less than 90 square meters (inclusive), the minimum down payment ratio is 20% (specifically subject to the provisions of the local housing provident fund management center).

It should also be noted that if the loan is to buy a second suite, the down payment ratio will be higher.

The State Council stipulates that it cannot be lower than 40%, and some banks can reach 50% to 60% or even 70%.

2. What if the car mortgage is unable to repay?

1. Communicate and negotiate with the bank in time.

Remember, whenever the loan is not paid, the first thing to do is to negotiate with the lending institution, show your difficulties, express your repayment determination, gain the recognition and trust of the bank, and apply for extending the repayment period and repaying by installments to reduce your repayment pressure.

2. You can find financial institutions to handle bridge loan and replace overdue car loans.

If the bank does not agree through consultation, then we can go to other banks or leasing companies to apply for new consumer loans instead of car loans. It should be noted that you should apply before the car loan is overdue. If we apply late, the credit report will show the overdue record, which will be too late.

3. What if the mortgage is unable to repay?

1. Apply for an extension.

If you really can't pay back the money temporarily, you can apply to the bank for a grace period. Generally speaking, the bank will agree to extend the repayment date for a certain period of time.

2. Borrow money from relatives and friends to repay the loan.

If you are in financial difficulties, but don't want your house to be auctioned, you can borrow money from relatives and friends and repay the bank loan first. In terms of human feelings, relatives and friends may be more or less helpful.

3. Collateral is auctioned.

If you really use all means. Those who can't repay their loans have to let the bank auction their houses. Usually, the value of the auction house will be lower than the market price, and the proceeds will be repaid first, and the rest will be mine. So, don't auction the house until the end.

4. What if the mortgage is less than half?

The bank will apply for auction of real estate, and the proceeds from the auction will be used to pay off the debts secured by mortgage, and the remaining auction money will be returned to the mortgage guarantor after repayment. The auction and compensation of collateral are not affected by the change of your husband-wife relationship. No matter what the debt secured by mortgage is, no matter in whose name it is borrowed, it will be paid off.

If a third party other than the debtor provides mortgage guarantee, the guarantor shall bear limited liability to the extent of collateral; If the debtor provides mortgage guarantee by himself, he shall bear unlimited liability for the guaranteed debt; If the collateral cannot pay off all debts after the auction, it shall be paid off with all its personal property.