Before his death, my uncle went to the bank with his family to borrow 2 million, what should I do if

In this case, the family can look at the uncle's estate and use it to repay the 2 million bank loan.

After paying off a part, if the family is already in debt, for example, because of the treatment of the uncle or the repayment of the debt, all the money has been exhausted, the bank has no choice, because the person is no longer there, and can only treat the money as a bad debt.

to deal with it. However, before doing so, the bank will sue the uncle's family in court, demanding that they repay the arrears and pay the corresponding late fees.

and interest. The court will also conduct an inventory of the family's assets, which may be enforced.

Repayment. If there is really no money, the court will also mediate between the bank and the family, and will give evidence of insolvency, so that the bank can deal with the above-mentioned bad debts. However, it is unlikely that a person before death will go to the bank to take a loan of 2 million, even if it is impossible to overdraft a credit card, because the credit card limit is between tens of thousands of yuan.

When the bank lends money, it will also check the account flow of the borrower, and it is necessary to clarify whether the borrower has the ability to repay the loan, and it is impossible to casually lend a loan of 2 million. In addition, the 2 million yuan may not have been used up yet, and it was put somewhere by the uncle, and it may be found by looking for it.

In fact, the possibility of this happening is really not particularly large, just read the explanation above. One is that there is no way to overcash out your credit card, and if you cash out too much money at a bank, you may be blocked from your credit card and then forced to make repayments. In addition, the handling fee for cashing out is also very high, and the handling fee for cashing out is 2 million, and the handling fee that may have to be paid is also between hundreds of thousands.

Second, it is not so easy to apply for a loan, and the bank will not release so many loans without reviewing the borrower's situation. However, it is also possible for this to happen, for example, if the bank does not review it clearly, and your uncle takes advantage of the loophole to lend the money, and then transfers it to someone else's account, for example, to his own lover.

Many people say that people who are about to die will be good in their words, but some people are particularly hateful, and they also applied for loans or treasures before they died.

Credit cards, leaving the family with the burden of repayment. Such a person is very bad, he doesn't think about his family at all, he just does his own thing selfishly. If it is a death caused by illness, it is very wrong to borrow money, and some people may die due to accidents, at this time it is possible to make a claim, and the compensation can also be used to repay the loan.

And as said, the money can't be spent all at once, after all, 2 million is still a lot, and the unspent money can be used to repay the loan.

People living in the world should not only think about themselves, but also think about the people around them, and they can't be said badly after they die.

After the death of a person, it is equivalent to the death of his uncle in this family, before the family went to the bank to borrow 2 million, after the death of the bank should first find a guarantor, if the loan has a guarantor, then the guarantor should repay the loan, of course, there are many loans are signed by the lender's family to sign a contract, so after the death of the guarantor should also continue to repay the loan.

After the death of a person, the bank can mortgage his own real estate or car to the bank, only in this way can he mortgage the money he owes, and if there is no mortgage, and there is no guarantor, then after his death, the bank will consider itself unlucky to not have to repay these loans, so the loan is also divided into three aspects, the first belongs to the guarantor, then it should be borne by the guarantor, and the second belongs if there is no guarantor, Then he will sell his property or mortgage his car after his death, and if he has no family to support and no guarantor, then he will not have to repay these loans after his death, and the bank will recognize himself. And now according to the law, if the guarantor has immovable property, such as land, houses, forests, etc., then after death, it is still necessary to mortgage these to the bank, and when signing the loan, the bank will also tell the lender that he wants to have a guarantor, and the mortgage guarantee is actually a mortgage of the house or car.

And in the mortgage process, the bank will also keep it properly, if it is not repaid in accordance with the mortgage contract after the custody, then the mortgagor can no longer take back the property, which is equivalent to saying that the item has been returned to the bank, so after the death of the bank, then it is also necessary to find a guarantor, or sell their house to the bank to repay. If you have a lot of money, you also need to be prepared to save money and go out to find a job.

You should try to cooperate with the bank and assist the bank to recover the money, because if you can't recover it, your family may have to bear the loan.

In this case, the interests of the bank will be guaranteed first, and the uncle's family will often need to repay the loan. Because even if you don't agree to repay, the bank will enforce the requirement to repay the loan.

When a person dies, the debt disappears automatically, so after the bank comes to the door, it is enough to use the law to communicate with the banker.

Legal analysis: If the borrower dies due to an accident, then the bank will continue to recover the loan, which is not difficult to understand. After all, the bank is not a charity, and every money he gives out can be made from it.

Therefore, when the borrower dies, the bank will naturally find the corresponding heir of the borrower, and he will repay the loan, after all, it cannot be said that the heir can only inherit the estate of the deceased, and the corresponding debt also needs to be repaid by him.

Legal basis: Civil Code of the People's Republic of China

Article 1147:The estate administrator shall perform the following duties:

a) Clean-up of the heritage and preparation of an inventory of the heritage;

2) Report the estate to the heirs;

3) To take necessary measures to prevent the damage or loss of the heritage;

4) Dealing with the claims and debts of the decedent;

5) Divide the estate in accordance with the will or in accordance with the provisions of law;

6) Carry out other necessary acts related to the administration of the estate.

Article 1163:Where there is both legally-prescribed inheritance and testamentary succession or bequest, the legally-designated heirs are to pay off the taxes and debts that the decedent shall pay in accordance with law; The part exceeding the actual value of the statutory inheritance shall be repaid by the testamentary heirs and legatees in proportion to the inheritance.

As long as you owe the bank a penny, whether you go or die or not, you have to pay it back, and the bank has many ways to recover the money.

In real life, many people swipe their credit cards or take loans from banks because they can't turn over their funds. Banks can lend you millions, and you can't just lend them casually. If you want to borrow millions in a bank, you must have relative assets, which must be mortgaged by the bank.

For example, the real estate, car and private property in the name of the individual must be taken to the bank as a mortgage guarantee, and there must be insurance, and these personal assets must be higher than the loan amount.

For example, a certain boss took a villa worth 8 million yuan to the bank as a mortgage and lent 6 million. In this case, the bank will be very happy and lend you the 6 million, even if you don't pay it back, the bank is not afraid, because your assets exceed the total amount of the loan. Banks don't buy and sell at a loss.

Therefore, even if a certain boss took out a loan of 6 million during his lifetime, the bank will confiscate the villa in his name after his death.

Small bank loans are borrowed through one's own good credit, while large loans need to be borrowed as collateral with personal assets. If a boss took his villa as a mortgage in the bank and borrowed 6 million yuan before his death, even if he unfortunately died, the bank would not worry, and the bank would sell the villa to offset the loan and interest generated by the boss.

Zhang, a foreman in a package, went to the bank to use his assets as a mortgage because of the need to advance a large amount of funds for the construction site project. Unexpectedly, the contractor Zhang died unexpectedly in a car accident, resulting in the loan being unable to be recovered by the bank. The bank came forward to find his family to coordinate, and his family said that they were unable to repay the loan, and the bank said to his family that if he was not able to repay, he could only auction off the assets mortgaged by Zhang to repay the principal of our bank loan and the interest accrued.

The bank will return the excess money to Zhang's family after the deduction.

Speaking of which, don't think that you don't have to pay it back after you pass away from the bank loan, this statement is very naïve. It is natural to repay debts in the first place. If you borrow a million in a bank, you must use the assets in your name as collateral, and the value of the assets you pledge cannot be less than the loan amount.

In this way, the bank will lend to you without losing money. If you don't pay it back or die for some reason, the bank will auction off the assets in your name to pay off the loan.

Don't feel that you have taken out a loan from the bank and you don't have to pay it back when you die. What do you think about this?

The bank will go to his immediate family and ask them to repay the debt, after all, there are two demands: the son pays the father, and the father pays the debt.

The bank will freeze his assets, and the bank can sell his assets and repay the loan later.

The bank will ask your family and the insurance company to compensate you, and the bank will not lose money.

The bank will find the person's immediate family to repay the money, and there is also the possibility that he can take back what he originally mortgaged and sell it.

After death, the person's property and vehicle will be auctioned, and if the money is not enough, the immediate family will be asked to pay it back.

After that, you should go to the person's family or the guarantor to pay it back, and the person's bank card will be frozen.

If the person borrowed the property with a mortgage, then the bank negotiates with the heirs of the property and asks for the repayment responsibility, and if the heirs of the property are willing to inherit the property, then the heirs are also liable to repay the loan.