Ask the guarantee company for help. If you need a large amount, you can find a guarantee company to pay off the loan. After the mortgage of the house is lifted, you can apply to the bank for a loan as collateral again. After you get the loan, you can repay the money of the guarantee company.
However, the premise of emergency assistance in this way is that the borrower must have the ability to repay in full and on time, which means that you can't repay in a short time. Waiting for the bank to auction the house. If you really have no money to repay the loan and can't think of other solutions, you can only wait for the bank to auction the house. After the auction, the bank will use the auction money to repay the loan principal and interest in advance. If there is any surplus, it will be transferred to the borrower's account.
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Why do you need to pay in advance?
Your original loan interest rate was relatively high. Now you can achieve lower interest rates, which involves refinancing.
When the bank loan is due, you need to repay the principal. At this time, you need to go to another bank for a loan. Generally speaking, the bank will remind you one month before the loan expires.
It is quite common to buy a house, especially in a big city like Beijing to buy a second suite. As we all know, the down payment of the second suite is as high as 60%-80% of the total house price.
In this case, you need to advance money to help you pay the full amount, then use the full amount to buy a house and apply for a mortgage at the bank. Why buy it in full and then mortgage it? It was said before that mortgage loans were cheaper than the first home loan? ) The general loan amount is 70% of the total house price. In this case, you only need to take 30% to get the second suite you want.
Why do you say so much about the third situation? Because Guage saw too many parents in Beijing, in order to let his children receive a better education, he did not hesitate to borrow money to buy a school district. As the name implies, "advance payment" means "advance payment". In other words, it is "find someone to pay for you first". The borrower can be your relatives and friends or a professional financial company.
Of course, most people will choose a professional wealth management company to do it. You don't have to tell me what happened. After all, you have to have this strength first. Generally, people of this strength cannot withdraw money at any time in the current period. Another important play is "It's Hard to Return Human Feelings". In most cases, we would rather spend some money to solve one thing than disturb the people around us.