Under normal circumstances, the lender will not agree to stop paying interest, but you can negotiate with the lender to postpone repayment or reduce interest and other relatively reasonable solutions. Legal basis: Article 38 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks shall take back the credit card when issuing the card. If the valid card cannot be recovered, the payment should be stopped. When the account is closed, the balance of the company card account is transferred to basic account, and cash cannot be withdrawn. Article 39 If a credit card is lost or stolen, the cardholder shall immediately apply to the nearest card-issuing bank or correspondent bank with his/her ID card or other valid documents, and provide relevant information in accordance with regulations to handle the loss reporting procedures. Fortieth, if a cardholder finds his credit card after applying for loss reporting, he can apply for cancellation of loss reporting and stop payment.
What are the application conditions for stopping mortgage repayment?
The application conditions for suspending mortgage payment are as follows:
1. The borrower has clearly stated that the mortgage owed has exceeded the borrower's repayment ability;
2. The borrower has the willingness to repay, and takes the initiative to explain the specific situation with the loan bank before the mortgage is overdue, and negotiate with the loan bank to solve it;
3. The borrower has reasonable reasons to suspend the mortgage payment, such as the borrower fails to repay the loan as scheduled due to external factors (including unemployment and illness of the borrower).
It should be noted that although the mortgage supports the suspension of repayment, it does not mean that it can definitely apply, and there is a certain probability that the application will fail. Banks need to decide whether to agree to the application of stopping interest and delaying repayment according to the actual situation of loan users.
When applying for bank suspension or deferred repayment, users are advised to keep a good attitude and have no other bad records. In addition, users can also provide some other supporting materials when applying, such as hospitalization certificate, unemployment certificate, labor contract cancellation certificate, etc. , can improve the application pass rate.
What should I do if the mortgage is not repaid?
1. Apply to the bank for suspension of repayment.
Some people may apply to the bank for a moratorium on repayment for some reasons, such as unemployment and economic tension, but this moratorium can only be suspended for several periods. Moreover, the repayment of the principal is only suspended first, and the monthly interest is still given. But in this case, the pressure can also be slightly reduced. During this time, hurry to find a job, find ways to open up sources and pay off the mortgage.
2. Apply to the bank to extend the loan term.
In addition to suspending repayment, you can also apply for an extension of repayment period. Although the interest cost is higher, the pressure of monthly sharing is much less. It can be seen that the monthly repayment burden of 30-year period is less than that of 20-year period 1k+, which can also reduce the economic pressure of families.
3. Legal basis:
Article 675 of the Civil Law of People's Republic of China (PRC) stipulates that the borrower shall repay the loan within the agreed time limit. If the term of the loan is not agreed or clearly agreed, and cannot be determined according to the provisions of Article 510 of this Law, the borrower may return it at any time; The lender may urge the borrower to return it within a reasonable period of time.
Article 676 of the Civil Code of People's Republic of China (PRC) stipulates that if the borrower fails to repay the loan within the agreed time limit, it shall pay overdue interest in accordance with the agreement or relevant state regulations.
Langrun times city
on sale
Reference price: reference average price 10800 yuan/m2.
Property address: 500 meters west of the intersection of North Second Ring Road and Weiyuanmen Road (Jinduyuan West)
Property telephone number: 400-8 18-0066 to 075730.
Can the mortgage be suspended for deferred repayment?
Bank loans can not be stopped, that is, the outstanding loans stop bearing interest, but banks generally will not agree, because stopping will lose the bank's profits. But if your loan is really not repaid, you can negotiate with the loan bank and re-sign a personalized repayment plan, which is based on the economic basis of the borrower.
According to the loan term, it is divided into:
Medium-and long-term loans-the loan term is more than 5 years.
Medium-term loan-the loan term is greater than 1 year and less than 5 years.
Short-term loan-the loan term is within 1 year.
Overdraft-a loan with no fixed term
By currency:
Local currency loan
Foreign currency loan
According to the nature of the lender, it is divided into:
Bank loan (self-operated loan)
Consortium lending
Entrusted loan (provident fund loan is a typical entrusted loan)
Specific loan
According to the nature of the loan subject, it is divided into:
Economic organization loan
Enterprise unit loan
Public institution loan
personal loan
According to the purpose of the loan, it is divided into:
Enterprise (economic organization) category
Fixed assets investment loan
Project financing loan
General fixed assets loan
liquidity loans
Lay the foundation for working capital loans
Temporary working capital revolving loan
bill discounting
Individual human
Personal commercial loan
Personal consumption loan
Housing mortgage loan (commonly known as mortgage)
Primary housing loan
Second hand housing loan
Increase in housing loans
Financial mortgage loan
housing loans
Commercial housing mortgage loans (some banks classify such loans as operating loans)
Primary housing loan
Second hand housing loan
Auto loans (including self-use cars and commercial vehicles, some banks classify commercial vehicle loans as operating loans)
Used car (car loan)
Used car (original car financing loan)
Locomotive-related loans
Locomotive financing (also known as locomotive loan, locomotive loan and increase of locomotive loan)
Car installment loan (also known as car installment loan, car loan, motorcycle installment loan or motorcycle installment loan)
Student loan
Other consumer loans
Decoration loan
Tourism loan
Durable consumer goods loan
other
Personal pledge loan
Divided by interest rate:
Fixed rate loan
floating rate loan
Mixed interest rate loan
According to the loan guarantee method is divided into:
Unsecured/credit loan
Secured loan
Secured loan
loan on mortgage/security
loan on mortgage/security
bill discounting
According to the quality (risk degree) of loan assets, it is divided into:
Normal loan
Pay attention to loans
Subprime loans
Suspicious loan
Loss loan
According to the loan existence mode, it is divided into:
Normal loan
Overdue loan (0- 180 days overdue)
Dull loan (overdue 18 1-360 days)
Non-performing loans (overdue over 36 1 day)
Provident fund loan
Can I apply for an extension of repayment of my mortgage?
The mortgage can be extended, but it is not allowed to be extended without special reasons. When the lender encounters some uncontrollable special circumstances that make it impossible to repay the loan on time, it can apply to the bank for extension. Loan extension refers to the behavior that the lender delays the repayment of the loan after applying to the loan bank and obtaining approval. If the loan cannot be repaid at maturity, the formalities for extending the repayment time shall be handled after approval. Matters needing attention in mortgage repayment
1. In any case, the borrower shall repay the loan in full and on time. If the borrower fails to repay in full, it will cause bad personal credit, and there will be a certain late payment fee after overdue repayment.
2. If the repayment date of the borrower does not fall within the banking business day, the borrower shall repay the loan no later than the last repayment date before the current repayment date.
3. If the borrower transfers the repayment to the account of the loan bank through another bank account, the borrower should also consider the transfer time and go through the transfer procedures in advance to avoid personal bad credit caused by the failure to arrive at the account within the last time of the current repayment date.
Therefore, when the borrower applies for a loan from a lending institution, he must pay attention to the above-mentioned related problems during the repayment period, so as to avoid affecting his personal credit record due to overdue repayment or other unexpected events.
Influence of overdue mortgage repayment
1, resulting in penalty interest:
Every bank has different regulations on mortgage, but if the buyer fails to repay the loan in time, the lending institution will first collect the loan to remind the buyer to repay the loan in time, and the interest rate will rise, which is the daily penalty interest.
2. Personal credit information is damaged:
If the home buyer's mortgage is overdue, the credit information will definitely be damaged, and the bank will see the lender's credit information. If it is a strict bank, even if it is only one day overdue, the bank will enter the overdue information into the central bank's credit information system. If the overdue repayment record enters the credit information system, it will have a serious impact on the future application of credit cards or loans by property buyers. Even if they can get a loan, the loan amount will be greatly reduced.
3. Freezing funds:
After the mortgage is overdue, the bank will urge the buyers to collect the loan according to law. If the buyer can't make up the loan, according to the loan contract and guarantee contract (mortgage or pledge contract), the bank will sue the court, and the court will take measures such as property preservation, including freezing the deposits in all bank accounts of the lender and loan guarantor and sealing up the pledged property. This situation is very serious, and the adverse consequences are also very direct. After the court's decision, the property auction will be enforced to repay the losses of the bank.
4. The property is auctioned:
When a homebuyer applies for a mortgage loan, he mortgages the house he bought to the bank. If there is overdue repayment, the bank will auction and sell the secured property publicly. The proceeds from the auction will be used to repay the remaining loans that the lender has not returned to the bank. If there is any balance, the balance will be returned to the lender.