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Three months have not been repaid on time

Time: 2012-12-28         Source: Rong 360 original         Author: bamboo

        House slaves are difficult, and while no one admires the house, the house slaves are under tremendous pressure. For most people, “house slaves” means a sharp increase in work pressure and a decline in the quality of life if there is a slight inadvertacy. May be sued by the bank.

Wuxi Fangnu Xiaozhang forgot to return for three monthsMortgageNot only did it receive a court summons, but also found itself being "claimed" by the bank for 430,000 yuan. In the first half of 2009, Xiao Zhang, who was in the cloth business in Wuxi, had some savings in his hands and applied to a bank for 510,000 yuan in real estate.Mortgage LoansMonthly repayment of 2,000 yuan. One day in October 2012, Xiao Zhang, who was busy doing business in Guangdong, suddenly received a summons from Wuxi Beitang Court. He saw the summons before he remembered that he had not returned the mortgage for three months and the bank would sue him. Xiao Zhang rushed to the bank to pay off the overdueloanPrincipal, interest and penalty interest, and contact the bank to withdraw the appeal. But the answer he got was: The bank has spent more than 17,000 yuan on legal fees, 3,000 yuan in legal fees, and 3020 yuan in maintenance costs for this matter. "You have to bear the cost, and we can withdraw the lawsuit." The bank answered. Xiao Zhang believes that just arrears of a few thousand dollars, the bank will come to court to prosecute, too close to human feelings! "I paid off overdue loans. There is no reason for the banks to withdraw all the loans at one time. I have to bear such a high amount of legal fees and litigation fees!"

The bank agent then took out the loan contract signed by both parties. The contract stipulated that the bank could not repay the principal and interest on schedule for three consecutive months or a cumulative period of six months. The bank has the right to announce the early maturity of the loan and require the borrower to return the remaining amount once. All loans and pay overdue interest. The resulting litigation fees and maintenance fees are also borne by the borrower. Accordingly, the bank not only had to repay the mortgage, but also asked him to return the balance of the remaining borrowings with interest and penalties in a one-time manner, and to bear the legal fees and maintenance fees spent by the bank, totaling more than 430,000 yuan.

Given the special circumstances of the case, the court hearing the case conducted mediation. In the end, the bank reduced the share of expenses and withdrew the lawsuit request. The two parties settled. In addition to paying the loan interest and penalties owed to the bank for the first three months, Xiao Zhang paid an additional four or five thousand yuan, including the ones that cannot be waived. Fees, as well as legal fees after the meeting. Although he did not request huge fees like the indictment, Xiao Zhang also paid a certain "cost."

For the majority of housing slaves, repayment on time and in full amount is very important. Because in the real estate industry, loan contracts signed by loan owners and banks are generally format contracts unilaterally established by banks. Not only are there a lot of content and most of the terms are favored on the side of the bank, and the borrower can only sign and accept the loans.

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