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Risks of real estate mortgage loan:
It is necessary to reasonably evaluate the loan use and capital risk, especially the use of a single housing mortgage loan. If the use of funds is risky, it is easy to fail to repay, resulting in higher overdue fees; Finally, when the mortgaged property is auctioned, its price is relatively low, which will lead to the risk of asset shrinkage.
Liquidity risk refers to the risk that short-term deposits and long-term loans are difficult to realize, and liquidity is an important principle for banks to ensure asset quality. Today, liquidity risk is reflected in two aspects. First, at present, China's housing loans mainly come from provident fund and savings deposits. Savings deposits absorbed by banks belong to short-term deposits, generally only three to five years, while housing mortgage loans belong to long-term loans. This short-term deposit and long-term loan behavior makes the liquidity of banks very low, which in turn brings liquidity risks.
As a creditor, the bank will inevitably implement collateral to realize its creditor's rights when the debtor can't repay the principal and interest on time, and as a debtor, it may face the risk of homelessness for itself and his family.
The risk of default includes compulsory default and rational default. Compulsory breach of contract refers to the passive behavior of the borrower, and the theory of ability to pay holds that compulsory breach of contract is caused by insufficient ability to pay. This shows that the borrower has the willingness to repay, but has no ability to repay. Rational breach of contract refers to the borrower's active breach of contract. According to the equity theory, in a perfect capital market, the borrower can only make a decision whether to breach the contract by comparing the unique rights and interests in his house with the size of mortgage debt.