1. What should I do if the house I bought with the loan is not on the loan?
1. Apply for extension of loan repayment.
If you can't repay the loan according to the original plan, you can submit a written application to the bank to extend the loan period. Then sign the relevant agreement and go through the formalities. It should be noted that the sum of the original loan term and the extension term does not exceed 30 years.
2. Request suspension of repayment of principal.
The borrower can negotiate with the bank and ask for temporary repayment of interest, not principal. Because the bank has a house as collateral, it will generally accept the borrower's proposal and earn more interest. For banks, as long as borrowers don't evade debts maliciously, banks won't lose money.
3. Borrow money from the bank again
In order to meet the needs of mortgage customers, many banks have launched "financial mortgage" to facilitate mortgage customers to lend out their own mortgages for use. However, the interest rate of the loan amount is a little higher than the mortgage interest rate.
4. Transfer and sale of houses
If you really can't afford the remaining mortgage, you can choose to transfer or sell the house. As the house has been mortgaged to the bank, it needs to be approved by the bank before it can be sold. Repay the loan with the money from selling the house, and handle the property transfer formalities with the buyer after the real estate license is mortgaged. The initiative of this method is in our own hands, and the loss is not great.
Step 5 auction real estate
If there is a vicious mortgage default, the property will be auctioned. After the bank auctions its own property, it will only detain the money owed to the bank, including: penalty interest on unpaid principal, and pay back the excess to itself.
2. What are the consequences of loans overdue's repayment?
Consequences of overdue mortgage repayment:
1. Personal credit information is damaged, which will affect the handling of various loans in the future.
Once the mortgage is overdue, the lender will see the overdue repayment record. If it is a strict bank, even if it is only one day overdue, the bank will enter the overdue information into the central bank's credit information system. Once the overdue records enter the credit information system, it will have a serious impact on users' application for credit cards or loans in the future. Even if they can get a loan, the loan amount will be greatly reduced.
2. Generate corresponding penalty interest and overdue fine.
Whatever the reason, as long as the mortgage is overdue, the bank will call to remind the borrower to repay, and as long as the repayment is overdue, there will be a penalty interest. The penalty interest of different loan banks is different, which is basically 30%-50% higher than the original loan interest rate.
3. Next to the bank.
Banks will set default clauses in mortgage contracts. If the loan is overdue for three consecutive times or six times in total, the borrower is required to repay all the principal and interest of the loan in one lump sum.
If the user's mortgage is overdue for more than 3 months, the bank will file a lawsuit according to the loan contract and guarantee contract. Measures such as property preservation will be taken to freeze the deposits in all bank accounts of lenders and guarantors, and the pledged property will be sealed up.
Generally, the house is purchased by mortgage, that is, the house to be purchased is mortgaged to the bank, and then the bank loan is used to pay the remaining house payment. After that, the lender is required to repay the loan principal and interest in full and on time according to the agreement with the bank. If it is overdue, it will bear the corresponding legal consequences.
I want to buy a car and get a loan from the bank, but the amount is not enough. Can I borrow money from another bank at the same time?
If you apply for a car loan, you can only apply for a loan in one bank, and the bank needs a driving license as collateral.
Can I have a credit card and a loan?
Yes, but the bank will consider my debt situation. If the debt is high, it may refuse to lend.
Aren't face-to-face signing and loans banks?
This is a bank. Interview is the pre-loan link. According to your application materials and the credit information inquired by the account manager, the bank judges that you have met the conditions for mortgage approval. It can be said that you have passed the preliminary examination of the account manager, but entering the interview does not mean that you can borrow money, so the interview and loan are a bank.
Is Doudou Qian and Qian Xiaole Loan a family?
Doudou money and Qian Xiaole loan are different.
1, Qian Xiaole is a company. According to Tianyancha's inquiry, we can see that the name of the applicant of this company is Guangzhou Rong Shu Internet Co., Ltd., and the applicant's address is located in Area C, the first floor of Jiefang South Road 123, Yuexiu District, Guangzhou, Guangdong Province. The legal representative of Guangzhou Rong Shu Internet Co., Ltd. is Bird.
The name of this company is Banyan Tree, which is an intelligent financial service platform under Bai Rongjinfu, a leading intelligent technology company in China. Developed and operated jointly by Shenzhen Digital Fun Information Technology Co., Ltd. and Guangzhou Digital Finance Internet Co., Ltd., the company can provide a series of accurate and convenient online financial services such as cash installment, consumer loan and credit card application.
2. Doudou Money is a credit product operated by Shanghai Weixin Huizhi Financial Technology Co., Ltd., which is open to personal consumption. It belongs to the same company as He Yue Loan in the previous card loan, mobile loan and package payment, and the funds also come from cooperative licensees, money-using institutions or banks, so Doudou Money is reliable and trustworthy.
At present, the maximum amount of application for opening the portal is 200,000 yuan, and the service period can generally be divided into 3- 12 months. In terms of interest, take 2,200 yuan for three months as an example, and the monthly repayment amount is about 777.55 yuan.
How many loans do you have for a food and clothing loan?
And families with food and clothing loans are very rich.
These two softwares are loan softwares of Dingrong Co., Ltd. ..
Dingrong Co., Ltd. was established on August 3, 20 1 year, and its legal representative is Li Yanchun. Its business scope is to handle all projects in Xundian County, Kunming. Provide consulting services for the development, management and financing of small enterprises in Xundian County, Kunming; Other approved businesses.