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Three months have not been repaid in time.

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

        The house slave is difficult, and the house slaves are under tremendous pressure while no one is envious. For most people, “house slaves” means a sharp increase in work stress and a decline in the quality of life, if you are slightly careless. May be sued by the bank.

Wuxi Fangnu Xiao Zhang has forgotten for three months.MortgageNot only received a court summons, but also found that he was "claimed" by the bank for 430,000 yuan. In the first half of 2009, Xiao Zhang, who was doing cloth business in Wuxi, had some savings in his hands, so he applied for a property of 510,000 yuan from a bank.Mortgage Loans, monthly payment of 2,000 yuan. One day in October 2012, Xiao Zhang, who was busy doing business in Guangdong, suddenly received a subpoena from Wuxi Beitang Court. He saw the subpoena and he remembered that he had not repaid the mortgage for three months and the bank had to sue him. Xiao Zhang rushed to the bank to pay off the overdueloanPrincipal, interest and penalty interest, and contact the bank to withdraw the lawsuit. But the answer he got was: the bank has spent more than 17,000 yuan on legal fees, 3,000 yuan in legal costs and 3020 yuan in preservation fees. "You have to bear this cost, we will be able to withdraw the case." The bank replied. Xiao Zhang believes that just arrears of several thousand dollars, the bank will come to the court to sue, too inhuman! "I have paid off the overdue loan, and the bank has no reason to take back all the loans at one time. I have to bear such high legal fees and legal fees!"

The bank agent took out the loan contract signed by the two parties. The contract stipulated that the company failed to repay the loan on time for three consecutive months or six months. The bank has the right to declare the loan to expire in advance and require the borrower to return the remaining one-time. All loans and pay overdue interest. The resulting litigation and preservation fees are also borne by the borrower. According to this, the bank not only needs Xiao Zhang to pay the mortgage, but also asks him to return the balance of the remaining loans and interest, penalty interest, and bear the legal fees and preservation fees of the bank, totaling more than 430,000 yuan.

In view of the special circumstances of the case, the court hearing the case conducted mediation. In the end, the bank reduced the part of the expenses and withdrew the lawsuit. The two parties settled. In addition to paying the loan interest and penalty interest of the bank in the first three months of the payment, Xiao Zhang paid an additional four or five thousand yuan, including the guarantee that cannot be deducted. Fees, as well as legal fees after the meeting. Although he did not ask for a huge fee like the indictment, Xiao Zhang paid a certain "cost" for this.

For the majority of house slaves, it is very important to repay on time and in full. Because in the real estate industry, the loan contract signed by the loan owner and the bank is generally a format contract formulated by the bank. Not only is there a lot of content, but most of the terms are biased towards the bank. The borrower can only sign and accept the loan.

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