1. After the car loan was mortgaged, the mortgage company went bankrupt. Do I still have to pay back the money on time or do I have to wait?

Since the car mortgage rules are not perfect yet, in order to avoid their own risks, lending banks will use third-party guarantee companies to ensure the normal performance rate of customers, and the third-party guarantee companies will collect a certain percentage of deposits from them. and commission. To put it simply, the guarantee company first gives the money to the 4S store, and then takes the money from the bank. They earn commissions and at the same time collect a certain deposit from the car buyer. Many guarantee companies rely on the deposits collected to advance funds. As the business volume increases, if they are not handled properly and the bank-approved money is not received in time, the capital chain will be broken, causing the guarantee company to go bankrupt or the boss to run away directly. What needs to be reminded is: Don’t think that if the guarantee company goes bankrupt, you don’t have to pay back the money! Generally speaking, guarantee companies will use other means to collect debts, such as reselling assets, packaging all the borrower's contracts to other companies, and other companies will be responsible for collecting debts. Borrowers who do not repay will be directly uploaded to the People's Bank of China, and personal credit reports will be thorough. Play with flowers!

2. My car has a three-year mortgage. The mortgage started in 2017. Now that the company has gone bankrupt, we still need to...

The buyer purchases the car that the seller is mortgaged by paying the mortgage. Real estate (referred to as remortgage) (1) Process: Buyers and sellers must go through a two-step process. Remortgage includes two aspects. First, the seller repays the bank loan in advance, cancels the creditor-debt relationship with the bank, and cancels the mortgage registration; second, the buyer applies for a second-hand house. For a loan, use the purchased house as a mortgage guarantee for the new loan and handle mortgage registration. The business process is: In the first step, the seller applies to the bank. In the second step, upon review and approval by the bank, the bank, the seller and the buyer sign an agreement. The bank agrees to the seller's transfer of the house. The seller promises to give priority to using the sale proceeds to repay the bank loan and authorizes the bank to directly transfer the house from its account at the bank. The unpaid principal and interest of the loan will be deducted, and the buyer promises to transfer the house payment to the seller's bank account at the time of transaction. The third step is for the seller and buyer to sign a housing transfer contract. In the fourth step, the buyer submits a new loan application to the bank. The loan amount can be the seller's remaining loan balance, or it can be calculated according to the following formula: loan amount = market price of the purchased housing × second-hand housing loan ratio. Step 5: After approval, the bank will sign a new loan contract and mortgage contract with the buyer and issue a commitment letter agreeing to the loan. The sixth step is for the seller and buyer to go through the property transfer procedures. In the seventh step, the bank and the seller go to the real estate management department to handle the mortgage cancellation registration procedures, and at the same time apply for a new mortgage registration procedure with the buyer. Step 8: The bank issues a loan to the buyer, transfers the loan to the account opened by the seller based on the buyer's authorization, and then directly deducts the seller's unpaid loan principal and interest from the account based on the seller's authorization, terminating the original loan contract. (2) Risks: There are variables for all three parties. In the case of remortgage, since the owner’s house is still under mortgage and cannot be mortgaged a second time, a second loan needs to be issued first to pay off the owner’s second mortgage. Once you get a loan, you can transfer the property title and then apply for a mortgage loan again. Therefore, the following risks may arise during the remortgage process: after the seller's loan is paid off by the buyer, he suddenly changes his mind and refuses to transfer the property; the buyer refuses to repay the seller's loan after taking out the loan; the bank refuses to lend in advance; the seller cannot smoothly complete the transaction. Get the remaining house payment; after the transaction is completed, the buyer cannot successfully obtain the real estate certificate. 4. The buyer purchases real estate through mortgage payment (1) Process: In the first step, the seller and buyer sign a housing transfer contract. In the second step, the buyer submits a new loan application to the bank. The loan amount is calculated according to the following formula: loan amount = market price of the purchased house × second-hand house loan ratio. The third step is for the seller and buyer to go to the real estate management department to handle the transfer of property rights. The fourth step is for the bank to apply for a new mortgage registration procedure with the buyer. In the fifth step, the bank issues a loan to the buyer and transfers the loan to the account opened by the seller based on the buyer's authorization. (2) Risks: The seller has major risks. The procedures for ordinary second-hand house mortgage loans are different from those of remortgage loans. For ordinary second-hand house mortgage loans, the bank will only lend to the owner after the transfer of the property to pay the buyer's purchase price. In this kind of transaction, because there are basically no effective and feasible safeguards, the seller is at a disadvantage, and the risk mainly comes from the buyer. Although in actual practice, the bank may require the seller to issue an irrevocable authorization so that the loan issued to the buyer can be transferred to the seller's account in a timely manner, after the registration transfer is completed, the buyer is already the legal property owner. At this time, if the buyer unilaterally notifies If a bank encounters repayment difficulties, in order to protect its own rights, the bank will inevitably terminate or suspend the loan mortgage process that has been agreed in advance, and will never continue to lend (to protect the interests of the seller). Otherwise, it will undoubtedly be at its own risk. Throw yourself into a trap. Therefore, there are great risks in the actual operation of the seller's interest protection, and the three parties involved in the transaction are passive. The only way out is to engage in a long litigation process. Answer: Supplementary business tax: 5.5% (there is this fee when selling within 5 years of purchase) Deed tax: 1.5% (3% for non-ordinary residences over 140 square meters) Stamp tax: 0.1% Personal income tax: 1% or 20% of the purchase price.

Land value-added tax: 1% (this is different, and some do not need to pay it). If the commercial house purchased is a standard price, a preferential price, or a standard house price, an additional 63 yuan per square meter will be paid. The preferential price will be 63 yuan per square meter, and 9 yuan per square meter will be paid (land transfer fee ) If the sale is more than 5 years old, there is only deed tax and stamp duty. According to national regulations, business tax, personal tax, and land transfer fees should be paid by the seller, but many sellers do not pay. Some are added to the price. Supplement: If you don’t have a real estate certificate, you can only ask the developer to change the ticket. It will be counted as a new house purchased directly from the developer. Some deed taxes, maintenance funds, etc. for handling the real estate certificate are paid by the buyer. Because the buyer’s real estate certificate is processed directly. In fact, you can choose whoever you want. I don’t want anything from you. In fact, you can get an intermediary to start selling. There is no charge to sell your house now. Generally the buyer pays all costs.

3. After the car mortgage loan company goes bankrupt, do you still have to repay the money on time or wait?

Since the car mortgage rules are not perfect yet, in order to avoid their own risks, the lending banks will It operates through a third-party guarantee company to ensure the customer's normal performance rate and collects a certain percentage of deposit and commission.

To put it simply, the guarantee company first gives the money to the 4S store, and then takes the money from the bank. They collect a certain deposit from the person who earns the commission

Many guarantee companies rely on The deposit collected is used to advance funds. As the business volume increases, if the money is not received in time, it will cause the capital chain to break, causing the guarantee company to go bankrupt or the boss to run away directly.

What needs to be reminded is: Don’t think that if the guarantee company goes bankrupt, you don’t have to pay back the money!

Generally speaking, guarantee companies will use other means to collect debts, such as reselling assets and packaging all the borrower's contracts to other companies. The other companies will be responsible for collecting the debts. Borrowers who do not repay will be directly Uploader

4. After the car loan was mortgaged, the mortgage company went bankrupt. Do I still have to pay back the money on time or wait?

I definitely have to pay it back because the car is in the name of the company