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Three months did not repay the Housing slave by bank sued
House slaves difficult, no room at the same time envy, room slaves also under tremendous pressure. For most people, "house slaves" means a steep increase in work stress and a decline in the quality of life, if at all. May be bank sued.
Wuxi house slave Xiao Zhang forgot to return three monthsMortgage, Not only received the court summons, but also found himself bank "claims" 430,000 yuan. In the first half of 2009, Xiao Zhang, a cloth business in Wuxi, saved some savings in his hand, so he applied for a bank property of 510,000 yuanMortgage Loans, 2,000 yuan monthly repayment. One day in October 2012, Zhang, who was busy doing business in Guangdong, suddenly received a subpoena from Beitang court in Wuxi. After reading the subpoena, he remembered that he had not repaid his mortgage for three months and the bank was going to sue him. Zhang hurried to the bank to pay off the overdueloanPrincipal, interest and penalty interest, and contact the bank to withdraw the suit. However, he got the reply: The bank has spent more than 17,000 yuan on legal fees, 3,000 legal fees and a preservation fee of 3,020 yuan. "You have to bear the costs, and we will be able to withdraw the case." The bank replied. Zhang believes that just a few thousand dollars in arrears, the bank sued the court, too amiable! "I paid off the overdue loans, banks have no reason to withdraw all the loans at one time, but also I bear such a high legal fees, legal fees!"
Bank agents came up with the original loan contract signed by both parties, the contract: for three consecutive months or six months failed to repay interest on schedule, the bank reserves the right to declare the loan maturity in advance, requiring the borrower one-time return of the remaining Of all loans and pay overdue interest. The resulting legal costs, security fees borne by the borrower. Accordingly, the bank not only needs to pay Zhang Xia's home loan, but also requires him to return the balance of the remaining borrowings and interest, penalty interest, and shoulder the legal fees and preservation fees paid by the bank for a total amount of 430,000 yuan.
In view of the special nature of the case, the court hearing the case mediated. In the end, the bank remitted part of the cost relief and withdrawal of claims, the two sides reconciliation, in addition to paying Zhang Xiaochong bank loan interest payments and penalties in the first three months, but also an additional four or five thousand dollars, including the preservation can not be reduced Fees, and legal fees after meeting. Although not required to pay a huge fee as the indictment, but also paid a certain "cost".
For the majority of slaves, full repayment on time is very important. Because in the current real estate industry, the loan contract signed by the loan owner and the bank is generally a format contract formulated by the bank unilaterally. Not only the content is numerous but most of the terms are biased towards the bank, and the borrower can only sign the loan if the loan is received.
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