Information > General articles > Raiders Channel > Mortgage >  text

What should I do if the house mortgage loan is not yet available?

Time: 2017-05-08         Source: Financial 360 finishing         Author: Nanshan

After buying a home through a home loan, the loan will be reimbursed for a long period of time. However, because there is a lot of uncertainty in the future, it is very likely that the mortgage will be overdue. So,House mortgageThe loan is still not onHow to do?Let Rong 360 Xiaobian (luxiaodai360) to tell you the solution.

1. Apply for extension

If it is only for the time being that it is still not paid, it may negotiate with the lending institution to apply for the extension. Generally, as long as the situation is true, the lending institution is still willing to give a certain period of extension.

2. Borrow money from relatives and friends

If you have a good relationship, you can borrow money from friends and relatives to repay the loan. But you must make a good loan and agree on good interest. When the situation improves, you can return the money in time.

3. The mortgage is auctioned

If you do not have the ability to repay the loan, you can let the lending institution auction the mortgaged property. The proceeds will be given priority to repay the loan principal and interest, and the remaining amount will be refunded to you.

No matter which method you use to ease the current economic pressure, remember to repay! Do not use "scrape words", or simply do not return, it is very easy to bring trouble to oneself.

Real estateMortgageWhat are the consequences?

Real estate mortgage loans are not as serious as the consequences.

First, there will be a penalty, any loan will not be repaid on the maturity date of the loan, the lending institution will receive a penalty interest, and the real estate mortgage loan will be the same. The penalty will be charged in accordance with the regulations.

Second, it will generate bad repayment records and be included in the central bank's credit system, affecting personal credit, leading to borrowers.Refinancedifficult.

Finally, if after a number of calls, the outstanding loan still remains, the lending institution has the right to auction the mortgaged property, use the proceeds from the auction for repayment, and return the remaining amount to the borrower.

    Urgent money? We have reviewed hundreds of modelsMicrofinanceproduct! Concerned about the WeChat public number "look for a small money" (ID: luxiaodai360), replying to "emergency money", no longer afraid to borrow money.

【Exclusive Manuscripts and Disclaimer】 All works marked as “Future 360 ​​Original” must be reproduced, excerpted or otherwise used by any entity, organization or individual without authorization in writing. Has been authorized in writing, indicating the source melts 360. Violations of the above statement inflicted violations of the legal rights and interests of 360 will be legally pursued. The materials and conclusions in the work are for reference only and do not constitute operational recommendations. For written authorization, please email:

Comment list (User comments are only for users to express personal views, does not mean that this site agrees with their views or confirms their description)
you may also like
  • What can I do if the campus loan is not yet available?  I. Explain the reason to the lending institution. Applying for an extension is like borrowing thousands of dollars from the community's card friend. If you borrow 12 months, there will be no problem with hundreds of dollars every month. However, due to temporary conditions, Money can't keep up, it's not yet, this time...
  • What if the bank loan is not yet enough?  After the awareness of advanced consumption has been gradually accepted by the public, many people will use loans to realize their own consumer needs, such as mortgages, car loans, and consumption and education. Various kinds of loans allow us to become slaves. Inability to repay loans has also become a difficult problem for many people. also...
  • What if the loan is not up yet? You can also apply for a loan extension  Borrowing money from the bank now can relieve the urgent need for working capital. You can borrow money to buy a car or buy a house. However, if a bank loan has a time limit, it will still need a certain amount every month. Otherwise, it will be overdue. Will be recorded to the personal credit system, overdue number will affect the later...
  • What should I do if I fail to apply for a loan? This trick may be useful  What should I do if I fail to apply for a loan? This should be a situation that the borrower is very reluctant to encounter. However, if the real situation occurs on one's own body, whether it is left unchecked or ignored, or is it an attempt to restore it? Financial experts 360 financial search platform recommended the majority of loan users ...
  • Do you have a tight loan?  With the development of financial markets, more and more people can more easily borrow money in the market. However, some borrowers may not be able to repay their loans on time due to inadequate estimates of their ability to repay their debts or unexpected incidents on the way. Well, I'm not ready for a loan at the moment...