Pay off the loan 500 thousand in advance.
Ms. Wang, who is in her forties, lives in Nan 'an District of Chongqing and has a proper job. In the second half of last year, Ms. Wang encountered special circumstances and needed money urgently. At this time, a friend recommended an Internet financial real estate mortgage loan product to Ms. Wang. It happens that Ms. Wang has a garden house, which can be used as a mortgage.
On July 14 last year, Ms. Wang submitted a mortgage application through the mobile app. On the 27th of that month, she got the borrowed 496,000 yuan in cash, and everything went well.
In the next six months, Ms. Wang repaid the loan interest on time on the 27th of each month.
Ms. Wang told reporters that in fact, the interest on this mortgage is not low, and she also wants to pay off the loan as soon as possible, so she borrowed 500,000 from a friend before the Spring Festival. On June 65438+1October 19 this year, she credited more than 500,000 yuan of the principal, interest and other expenses of that month to the designated account.
Paid off the loan. "It should be paid off before 65438+1October 27th, and I am one week ahead of schedule."
Delayed receipt of published materials
After paying off the loan, it stands to reason that the loan company should issue materials to cancel the mortgage, and then Ms. Wang can get back the real estate license.
In fact, Ms. Wang is very anxious about this, because there are other uses after getting back the real estate license, which also gives her funds that can be turned around. Besides, she has to pay high interest on the 500 thousand she borrowed from her friends.
After paying off the loan, Ms. Wang contacted the salesman of the loan company many times, hoping to get the loan materials as soon as possible. But the answer given by the other party is always: "Still going through the procedure."
This year1October 23rd and 24th, February 4th, 65438+, Ms. Wang called the customer service phone of the loan company three times, but the operator still kept her waiting.
"What is the reason? I can't get my release materials and real estate license back? " Ms. Wang told the reporter that if one day is not delayed, she will pay one more day's interest to her friend who borrowed money. But the reply from the loan company gave her a distant feeling. "I wanted to call the police at the time."
It took 10 days to finally get it.
Today (6th) morning, the reporter accompanied Ms. Wang to Jie Fangbei, Yuzhong District, the office of this loan company.
It was a salesman named Yi who had contacted Ms. Wang before. After meeting with Ms. Wang, Xiao Yi said that he got the news that Ms. Wang's release materials had just arrived in Chongqing by express delivery, and Ms. Wang could pick them up.
More than half a month has passed since Ms. Wang paid off the loan on June 65438+1October 65438+September 9. Even from the repayment date of 65438+1October 27th, today is the first day of 10, and Ms. Wang finally received the materials she wanted to lift the ban.
As for why it took so long, the salesman looked embarrassed and said that it was caused by various reasons.
Although the mortgage loan finally came to an end accompanied by reporters, Ms. Wang said that due to the delay of the loan company, she had to pay high interest to her friends who borrowed money. "Well, the delay of 10 days, just paying off the loan interest, already has 10 thousand yuan."
Relevant persons reminded that when applying for such mortgage loans, borrowers should not blindly pursue high-quota and long-term loans, because the higher the loan amount and the longer the term, the higher the loan interest rate and the more loan interest they need to pay.
When applying for a loan, the borrower should not forget to calculate the loan cost according to his own capital demand and repayment ability to see if he is suitable for the loan, so as to avoid excessive repayment pressure after obtaining the loan and affecting his normal life.
In the process of repayment, if the borrower is unable to repay, don't forget to inform the lender, and then the two sides will negotiate to see if the loan period can be extended appropriately.
Finally, if the borrower applies for a real estate mortgage loan, don't forget to go through the mortgage cancellation procedures after the loan is settled. Only when this procedure is completed can all the rights of the house be completely returned to the borrower.
(The above answers were published on 20 17-02- 10. Please refer to the current actual purchase policy. )
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