Hello. I mortgaged my house to the bank. I m looking for a debt resolution company, is it useful?

It can be guaranteed to be decompressed, and the decompression process is as follows:

1.After the loan is settled, the bank can go to the real estate management department to apply for cancellation of mortgage registration, and the bank will give the receiver (house ownership certificate; other warrants; ）

Application for cancellation of mortgage registration (the settlor may be the principal or a third party);

2.Bring the above things and a copy of the client's ID card to the real estate management center for delivery;

3.He will give a receipt slip, and two working days later, the client will bring the receipt and the original ID card to collect the property ownership certificate;

After the basic process of basic decompression is completed, the property right certificate has been cancelled and the mortgage has been cancelled, and you can trade or handle other matters, and the house will be re-attributed.

If the payment is not settled, the guarantee will be decompressed by way of advance.

Here's how to unzip it:

Step 1: Sign a contract for the sale and purchase of the house.

After the buyer and seller sign the house sale contract, the two parties agree on the first day of the advance fund and who will pay the advance service fee, and confirm the owner's repayment bank, the amount of the advance (in 10,000 yuan), the period of the advance and the specific repayment time.

Step 2 Spare parts.

The buyer buys the house in full: the buyer and the seller will go through the fund supervision procedures at the cooperative bank of the advance company for the purchase price greater than the amount of the advance, and both parties shall provide a copy of the ID card, the real estate certificate, the sale and purchase agreement, the copy of the owner's passbook and the application form for the advance.

Buyer loan to buy a house: After the buyer obtains the bank loan (the loan amount must be greater than the owner's repayment amount), the buyer and the seller shall provide the buyer and seller with copies of the ID cards and real estate certificates, the sale and purchase agreement, the copy of the owner's passbook card in the customer's loan bank, the buyer's loan commitment letter and the application form for the advance before the advance.

Step 3: Confirmation and verification.

After the information of the buyer and seller is complete, 1-2 days before the repayment agreed by the owner, the advance company will accompany the owner to the real estate bureau for property right confirmation to confirm that the property has no other creditor's rights and debts.

Step 4 Sign the advance contract and make an appointment for repayment.

After the right is confirmed, the advance company shall carry out the procedures such as application and approval of the advance, sign the advance contract, pay the advance fee, and agree on the time of early repayment with the owner's original lending bank, and confirm the repayment cycle and release time. Generally, you need to make an appointment one month in advance, and you can deposit funds directly at the bank counter or as scheduled.

Depending on the regulations of each bank and branch, this process will take about one month.

The house is mortgaged to the bank, and if the bank cannot recover the loan, it will go through legal proceedings, and the court will seize the house and auction or sell it, and the bank will recover the corresponding money, and if there is any surplus, it will be returned to the borrower. If you find a company to solve the debt, it is equivalent to transferring your own debt, the bank is the creditor, and you can only transfer the debt if the bank agrees. Under normal circumstances, the bank will not agree, because you have the corresponding assets, and the bank will definitely choose the most secure way to deal with the loan.

Of course, after the auction of your house, the funds are not enough to repay the bank loan, and the subsequent funds can be repaid by the bank, and the debt resolution company will assist in repayment.

If the negotiation fails, go to the court to file a lawsuit and claim that the other party bears the liability for breach of contract. According to Article 107 of the Contract Law of the People's Republic of China, if one of the parties fails to perform its contractual obligations or the performance of its contractual obligations does not conform to the agreement, it shall bear the liability for breach of contract such as continuing to perform, taking remedial measures or compensating for losses. Article 108:Where one of the parties makes a clear statement or shows by its own conduct that it does not perform its contractual obligations, the other party may demand that it bear liability for breach of contract before the expiration of the performance period.

It must be feasible, and the idea must be to communicate clearly with the bank first, determine whether the bank goes to the judiciary, seal it, and make the repayment ** clear and do not seal it.

Make sure that the buyer is advancing the money first, which can save costs.

It's about two thousandths, and it can be calculated on a monthly basis.

Short demolition of the bridge, return to the principal and continue the loan. Bright capital out of small receipts, set up accounts.

There is no problem at all with the advance decompression! The main consideration is the release of the repayment of the repayment funds, the issue of advance funds is on a daily and monthly basis, and the re-loan is returned to the principal and the continuation period! Flexible payouts.

Inheritance, gift, and large room type are not reduced, and the lawsuit can be entered after the execution is resolved! When the more you can repay on the spot, you can release it after repayment, and the speed is fast.

Credit inquiries and expiration are exceeded, and the impact is interest.

The second arrival is usually equal to the principal, and the interest is less than 1 to 20 years.

The short-term capital lender is flexible and can ignore the credit problem on the same day.

You can ask the guarantee company to advance the bank's money.

The guarantee company advances the money to the bank and then decompresses.

A property that has been mortgaged cannot be transferred.

Method 1: The two parties go to the housing transaction intermediary company to deal with it. The agency can use the money to help him pay off the debt, and then ask for the real estate certificate back to go through the transfer procedures.

Method 2: Advance notice registration and transfer. The legal basis is that Article 20 of the Property Law stipulates that if a party signs an agreement on the sale and purchase of a house or other immovable property right, in order to ensure the realization of the real right in the future, it may apply to the registration authority for advance notice registration in accordance with the agreement.

If, after the advance notice is registered, the immovable property is disposed of without the consent of the right holder of the advance notice registration, the real right shall not take effect. After the advance notice is registered, if the creditor's rights are extinguished or the application for registration is not made within three months from the date on which the immovable property can be registered, the advance notice registration shall become invalid.

Hello, 1

Can a house with a mortgage be mortgaged 1. According to the normal requirements and procedures, the property that is in the mortgage is theoretically unable to apply for a mortgage, and according to the current regulations of various banks, many will not accept individuals to handle the second mortgage business of the house. 2. Only after the loan is fully repaid, the borrower can apply.

2.How to apply for a mortgage loan 1. Submit a loan application to the bank: the content should explain the purpose, amount and term of the loan.

2. Submit loan information: If you are an individual applying for a mortgage loan, you need to provide the following information: borrower's ID card, flow in the past six months, work certificate, credit report, house ownership certificate, etc.

A house with a bank loan The house is owned by the bank, and no transfer or second loan is allowed until the mortgage is paid off.

1. What kind of collateral can be used for bank mortgages?

Property. The first thing that can be used as collateral for bank mortgages is real estate, such as personal housing, family housing, real estate, factories, shops, etc. When using a real estate mortgage, you generally need to appraise first, and after the appraisal, you can borrow up to 780% of the appraised value.

The information provided through the banking channel is similar to that of the hand-led game.

Usually people who roll over and do big bank mortgage loans will have a headache for the bank's third-party payment, and if you want to pay on your own, it's basically impossible unless you're doing it at your local bank.