1. Won't the loan bring trouble to the family after a person dies? 1. Whether the failure to repay the loan after death will bring trouble to the family depends on the situation: (1) If the deceased leaves a distributable inheritance, the loan will be repaid with the residual value of the inheritance; (2) If the inheritance has been distributed among heirs, it is necessary to recover the distributed property to repay the loan. If you don't leave a legacy, the family will take the initiative to repay the loan, which may be a burden for the family. 2. Legal basis: Article 1065 of the Civil Code of People's Republic of China (PRC) stipulates that the property acquired during the marriage relationship and the property before marriage belong to their own, * * * belongs to their own or part, and * * * belongs to all. The agreement shall be in writing. Where there is no agreement or the agreement is unclear, the provisions of Articles 1062nd and 1063rd of this Law shall apply. The agreement between husband and wife on the property acquired during the marriage relationship and the property before marriage is legally binding on both parties. The husband and wife agreed that the property acquired during the marriage relationship should be owned by each other, and if the other party knows the agreement, the personal property of the husband and wife should be used to pay off the debts owed by the husband and wife. 2. What application materials are needed for the loan? 1, the borrower's ID card or other valid residence certificate, and the married person must also submit personal marital status certificate; 2. The loan applicant fills in the Application Form for Commercial Housing Loan; 3. down payment voucher; 4. Contracts or agreements for the purchase of shops; 5 proof of the borrower's family property and income; 6. The identity certificate of the borrower; 7. Other information required by the bank.
Second, who else will be involved in bank loans?
Under normal circumstances, the inability to repay the loan will not affect the family, and those who are restricted by the people to spend more will have an impact on their children.
If the person subjected to execution is a unit, the person subjected to execution, its legal representative, principal responsible person, person directly responsible for debt performance and actual controller shall not carry out the acts specified in the preceding paragraph after taking measures to restrict consumption. If personal property is used for private consumption to commit the acts specified in the preceding paragraph, it may be applied. If the implementation review is true, it shall be allowed. "
Generally speaking, a person with full capacity for civil conduct should be responsible for his own civil behavior, and the loan that he cannot repay should be repaid by himself, not by his family, nor will it affect his family. Those who are listed as executors by the people and then restricted by the people to spend more will affect their families. Their children will not be allowed to go to private schools with high fees, and then their lives will be limited.
If a party is unable to repay the loan, it will generally not affect his family, and the loan will be borne by the party itself, but there are exceptions.
I can't pay what I owe. If I die, will my family be involved?
Why don't we gather all the people who owe money and set up an organization to fight against those who borrow money!
Fourth, won't the loan bring trouble to the family?
Legally speaking, according to the principle of contract relativity, a loan is a creditor's right and debt between a financial institution and a borrower. In reality, once the loan is not repaid, family and friends will be charged more or less. Generally speaking, telephone calls, text messages and door-to-door collection methods are inevitable. During the trip, the normal life of everyone and their families will inevitably be disturbed. 2. Some lending institutions will call the borrower's family and friends when the borrower's loan is not repaid. In this way, the family is affected. In addition, things that people owe money and don't pay back will also make their families lose face. 3. If the financial institution takes the borrower to court, it is very likely that everyone will be included in the list of untrustworthy people. One ",then this family will be involved, because the improper credit information of" Lao Lai "children affects each other. If one party wants to handle mortgage, car loan and commercial loan, it should actively communicate with financial institutions about repayment plans and other related matters. Of course, if it encounters illegal acts such as malicious collection, it will also report to the police safely and promptly.