There are three ways:
First, wait passively, let the bank withdraw cash from the developer's account, as did the previous down payment.
Second, actively negotiate. Property buyers can ask the bank to adjust the loan period when they pay back the money. For example, at that time, the repayment period applied by buyers was ten years. At this time, according to the actual situation, the repayment period can be extended to 20 years, and then their repayment ability is enhanced, and they can ask the bank to shorten the repayment time (buyers only have one chance).
Third, refinancing reduces losses. The house is sold to the next home with repayment ability, and the loss borne by the remaining loan is minimized.
Suggestion: adopt the question.
2. What should I do if the company goes bankrupt and owes bank loans?
The company's outstanding bank loans can be divided into the following situations: 1. If the shop is an individual, it must be repaid after bankruptcy. If there is a mortgage or guarantee, the bank will repay it by auction. 2. If the loan is applied by a joint stock limited company in the name of shareholders, all the loans will be repaid by shareholders; 3. If a limited liability company is insolvent, it will enter bankruptcy liquidation procedures according to law and repay the relevant debts according to a certain proportion of the company's existing property. The loan has not been repaid as follows: 1. In the case that the borrower fails to repay the loan, it is the first step to be collected, and the borrower, family and friends will all experience the feeling of telephone bombing. If the collection fails, there will be penalty interest, which will affect personal credit, and those with serious circumstances will be punished; 2. If the borrower fails to repay the loan for a long time, there will be overdue records in the credit record; 3. Those who are seriously overdue will become the "Lao Lai" family, be included in the list of "untrustworthy executors", and become the object of strict prevention and crackdown by banks and lending institutions. Bankruptcy refers to a legal system in which creditors or debtors appeal to declare bankruptcy and repay debts according to bankruptcy procedures when debtors are unable to repay debts or insolvent. The narrow bankruptcy system only refers to the bankruptcy liquidation system, and the broad bankruptcy system also includes the reorganization and reconciliation system. In most cases, bankruptcy refers to a kind of enterprise behavior and economic behavior. When an individual or company stops operating, people sometimes call it bankruptcy. Bankruptcy in the economic sense refers to a special economic state of the debtor. In this state, the debtor has been unable to pay the debts due, and finally has to repay all the debts. The bankruptcy liquidation process of the company is as follows: 1. Before deciding to declare bankruptcy, it is necessary to apply for bankruptcy and submit an application and qualification certificate. At the same time, you need to submit the employee's relevant resettlement report, loss report, all creditor's rights and debts list, audit report, etc. , and then wait for the case review; 2. Hold an internal meeting of important personnel to make a final summary of the bankruptcy and dissolution of the company. Ask to mediate whether some differences can be reconciled, then reorganize the company's employees and pay their wages, and then make an announcement after the insurer fully implements them; 3. The liquidation group will finally liquidate and distribute the remaining funds and pay off all debts. The liquidation team will report to the people and make a final ruling according to relevant procedures.
Third, the company lends money in the name of the company. If the company goes bankrupt and can't repay the loan, will the company be jointly and severally liable as a legal person?
Thank you for your invitation.
According to the description of the subject, the company where you are a legal person is a limited liability company. Then, according to the provisions of the company law, the shareholders of a limited liability company should bear the responsibility of repayment within the scope of capital contribution. Therefore, once the company goes bankrupt, you only need to pay off within the scope of your investment, and you don't need to bear joint liability.
Of course, if you, as a company legal person, have obvious business mistakes in management, or use your legal status to take the company's property or creditor's rights as your own, it will cause other legal responsibilities and even serious criminal offences.
In the case that the company's finance is confused with your personal assets, as a company legal person, you need to bear unlimited joint and several liability to the creditors of the bankrupt enterprise.
4. What should I do if the bank loan is not repaid because of the bankruptcy of the enterprise?
If the loan issued by the bank account manager cannot be recovered, it is responsible, but this is an administrative responsibility. The highest and most severe punishment is immediate dismissal, and there is no need to compensate for loan losses. The lifelong responsibility system for loans also refers to the investigation of administrative responsibility. In fact, bank loans are not the decision-making function of account managers. The account manager is just an agent, responsible for investigating, analyzing and submitting materials. A loan involves several people, such as the manager, the principal, the approver, the loan manager and so on. The person in charge of a general loan is divided into the main person in charge (usually the president) and the person in charge (the account manager), and also involves the loan approver (also distinguish between the main person in charge and the person in charge). Therefore, if the loan cannot be recovered, the responsibility of the relevant personnel will be determined. As long as it is not dereliction of duty in the post, the final responsibility is very light.