- Bank beauty cry! Cardholder dead, Cary money how to do? They say money is something outside the body, but you worked hard and tired for a lifetime, the last remaining assets into someone else's hard earned capital, what do you think? Wang Apo was alive, taking into account that he had to enjoy his old age, his savings will be saved for the rest of his life to all ...
- Dead people, banks and the Internet have a lot of money, family members do not know how to do? In the past, the means of depositing money was relatively simple. Most of them existed in banks. With the rapid development of Internet finance, more and more people choose to buy wealth management products online. We all know the importance of information security, so many people have their own account number and password ...
- Banks want to cry! The most unfortunate is the cardholder died, the money did not how to do? Accidental death of cardholders, the debt owed is the bank's most troublesome problem. How to solve, is the key! Almost a credit card, brush comfortable, enjoy life. However, when the cardholder died in an accident, overdraft money, who will come? The bank again ...
- Banks want to cry! The most unfortunate is the cardholder died, the money did not how to do? Bunny face fox heart bank, never do down the money to buy and sell. However, there are unpredictable events, who can guarantee stable earn it? So, in the face of accidental death of the cardholder, the bank cried! Six months ago, Ms. Wang applied for a 50,000 yuan credit card, due to good ...
- [Graphic] Banks want to cry! The most unfortunate is the cardholder died, the money did not how to do? Almost a credit card, brush comfortable, enjoy life. However, when the cardholder died in an accident, overdraft money, who will come? Who should I ask the bank? ...
If a person owes the bank a lot of money, but he is dead, how to deal with the money?
This question should be divided into several situations:
Mortgage loans that are mortgaged when the loan can be housing, treasury bonds, financial products, stocks and so on. If the borrower dies, the bank has the right to dispose of the mortgages and repay the loan. Then will not mortgage enough after the auction loan? Generally, banks will have a discount on their loans, such as mortgages, which can only give up loans of up to 70% of the market value of the houses.
Of course, there are borrowers pledged collateral mortgage, so that banks can not get the collateral, it can only bad debts.
Third-party secured loan
If the loan has a third party guarantee, the loan is transferred to the guarantor after the borrower's death. Banks have the right to initiate a recovery of the guarantor.
Pure credit loan
Pure credit loans, heritage heirs need to repay the loan within the scope of the estate.
If you borrow 1 million, 500,000 legacy, then the bank is entitled to recover the 500,000. However, the actual situation, the bank to the survivors to collect debt, survivors are difficult to co-ordination. At this point the bank can only sue the court, requiring enforcement. If the enforcement does not come down, the money becomes a bank bad debt.
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