Why don t you give up your house easily? Are there any consequences?

There is no way for you to get rid of the house, the house will be liquidated by the court** and then auctioned. If you get more money and are able to repay the bank's loan, the lender will not need to pay it back. If the house is sold for very little money, the buyer still needs to pay the bank debt, and the house is not yours.

And the money for the lawsuit must be paid by the lender, which is undoubtedly worse. Therefore, most people will advise lenders to extend the monthly supply as much as possible and not cut off the payment.

The loan applicant must understand a truth, that is, the money for the house has been given by the bank to the real estate developer, and now there is not much relationship between you and the real estate developer, and your money is given by the bank, so you owe the bank money and must pay it back. There are also some people who say that this is the persimmon to pick the soft pinch, and the bank does not dare to have a dispute with the real estate developer, so it will match the loan applicant. Therefore, the house will also be sued by the bank after the payment is broken, and the house will be auctioned off to pay off the arrears.

There is a cost to fight a lawsuit, and this fee is not particularly low, and there is also a penalty interest for cutting off the supply, which will make you take on more and more debts.

In fact, the above is not very bad, the bank will also give a deadline, once the loan is not repaid after the deadline, it will enter the process of litigation and legal auction. After that, not only will you not be able to go back to live in the house, but you will also have no way to buy wealth management products, because you have been listed as a dishonest executor by the bank, which is what we call a lai. If you want to buy a house through a loan, you must consider whether you have the ability to pay off the loan, and don't be too confident, because everyone can't say what will happen in the future, for example, when the economy is better, many people bought a big house and took a lot of loans, but now they have encountered the epidemic, and some people have lost their jobs.

In addition to abandoning the house and breaking the payment, the real estate developer still needs to repay the monthly payment, and he has to repay the money if the real estate developer does not build the house and makes the house an unfinished building.

The interruption of the mortgage will affect your own credit information, and will also affect the ownership of the house, and if you do not pay the mortgage for a long time, you may be auctioned. You may become a dishonest person, which will affect your spending.

1.The house is repossessed, and the bank loan may also have to be repaid. Some people say that the house is a big deal, what debt do you have to pay off? It's not that simple. Even if the bank takes back the house, it may not be able to cover the shortfall, then the bank will ask you to continue to repay the loan.

2. Credit reporting problems are affected. If you really can't afford to pay it back, there is nothing to say, then it is another matter, but if you can pay it back, don't run away, otherwise it will damage your credit and character, and if you want to take out a loan to buy a house in the future, the loan may not be possible, and the exam, car, and hotel may also be affected.

3. Punishment measures to restrict real estate transactions. Previously, a number of departments jointly issued the "Notice on Implementing Punishment Measures for Judgment Defaulters to Restrict Real Estate Transactions", and jointly adopted punitive measures to restrict real estate transactions against dishonest persons, who are commonly referred to as "old lai".

The consequences to be borne by the lender who abandon the house are: bear the costs related to court proceedings; There will be a bad record on the credit report and will be blacklisted by the bank; The property will be auctioned at a low price; If the arrears cannot be paid off after the auction, other property will continue to be confiscated. If you are unable to pay off your arrears, you will become a judgment defaulter, which will affect your normal life in the future.

Extended information: Credit information includes personal credit and corporate credit in two aspects, of course, there is also ** credit, but it can be ignored.

Enterprise credit investigation refers to the comprehensive evaluation of the credit ability (mainly the solvency and its degree of solvency) on the basis of the analysis and research of the credit records, operating levels, financial conditions and other factors of enterprises, bond issuers, financial institutions and other market participants. In the form, enterprise credit is manifested as a kind of comprehensive analysis and measurement of the performance ability and its credibility, and it is an indispensable intermediary service in the market economy system.

Personal credit reporting refers to the activities of lawfully established personal credit reporting establishments collecting and processing personal credit information, and providing personal credit information inquiry and assessment services upon the request of users. Personal credit reports are personal credit history records that credit reporting establishments have collected in accordance with law, processed and sorted out in accordance with law, and finally provided to lawful information inquirers in accordance with law.

At present, it is mainly used for various consumer credit businesses of banks. With the continuous improvement of the social credit system, credit reports will be more widely used in various fields such as commercial credit sales, credit transactions, and recruitment and job search. In addition, the personal credit report also provides a way for the inquirer to examine and regulate his or her own credit history behavior, and forms a verification mechanism for personal credit information.

The main factors that may affect an individual's credit risk score are: there has been a late repayment in the loan, or the credit card overdraft has not been repaid within the agreed period and repayment amount, or there are too many loan accounts and credit cards, etc. Credit reporting establishments or information providers receiving objections shall follow the provisions of the department for oversight and management of the credit reporting industry to make a note of the existence of objections to the relevant information, conduct verification and handling within 20 days of receiving the objections, and reply to the objectors in writing on the outcome.

Where, upon verification, it is confirmed that there are truly errors or omissions in the relevant information, the information provider or credit reporting establishment shall make corrections; where it is confirmed that there are no errors or omissions, the objection marking shall be cancelled; Where it is still not possible to confirm after verification, the circumstances of the verification and the content of the objection shall be recorded.

Although the buyer will no longer pay the loan, the buyer will face any losses in the law, and the "abandonment of the house and the interruption of the mortgage" does not mean that the buyer will no longer pay the loan. In essence, the buyer still needs to repay the loan. Because the bank and the home buyer are in a loan legal relationship.

Even if you give up your home, you can only use the home discount to offset the loan, the remainder or the amount back.

<> Generally speaking, the main losses are direct losses and indirect losses, such as the loss of housing prices, the loss of the cost of buying a house, and the loss of liquidated damages. Indirect losses such as expected gains, etc. For homeowners, if they do not pay in time and default to the third time, the bank will have staff to remind them in the form of ** or telecommunications, but once the total number of overdue times reaches 6 times, the overdue record will directly produce credit stains and be entered into the central bank credit system.

As a result, lenders were also put on a credit "blacklist".

Even if you make up it later, it will incur a high interest. If the obligation of supplementary payment is not fulfilled within the time specified by the bank, a late fee will be paid.

Therefore, in order to prevent personal credit stains and repay the loan in a timely manner, the loan probationer must take the initiative to contact the bank staff in advance, explain the specific situation, and submit an application for deferment of repayment. Or, those who have been in arrears with bank loans for a long time.

of people will face strict restrictions on flying, riding high-speed rail, and visiting high-end consumption venues. Combine credit history with other social benefits.

Linked cities can even affect their children's college entrance exams, military service, and civil service applications.

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No, this has a very big impact on yourself. The consequence of the quarrel is that the down payment is in vain, you will have some fines, you will get into a lawsuit, you will become a dishonest person, and it may lead to the breakdown of the family, which is a very serious remorse.

If you don't repay the house payment, the house will not be given to you, and you will be blacklisted, and you will not be able to sit on trains, planes, subways, and buses.

No, this radical change will lead to the dishonesty of oneself, the house will be auctioned, and there will be penalties, and there will be no way to ensure the quality of life, and there will be problems in all aspects.

Legal analysis: abandoning the house and breaking the mortgage will seriously affect personal credit, if the parties still want to borrow from the bank in the future, it is basically impossible, and even the basic business handling of credit cards will be affected.

Legal basis: "Regulations on the Administration of the Credit Reporting Industry" Article 16: The period for credit reporting establishments to store negative personal information is 5 years from the date on which the negative conduct or incident is terminated; Where it is more than 5 years old, it shall be deleted.

"Abandonment of the house" refers to the act of the borrower stopping the mortgage and giving up the house.

If you lose money and housing, you must know that taking out a loan to buy a house is to borrow money from the bank to buy a house, which is equivalent to mortgaging the house to the bank, and before you pay off the mortgage, the house is not really yours.

According to the Notice of the People's Bank of China on Issues Concerning RMB Loan Interest Rates, if the borrower fails to repay the loan on the date agreed in the contract, interest will be charged at the penalty interest rate from the day of overdue until the principal hail is repaid.

If the parties still want to borrow from the bank in the future, it is basically impossible, and even the basic business handling of credit cards will be affected. And there will be a lot of unnecessary troubles for yourself:

1.need to bear the costs associated with court proceedings;

2.There will be a bad record on the credit report and will be blacklisted by the bank; The property will be auctioned at a low price;

3.If the arrears cannot be paid off after the auction, other property will continue to be confiscated. If you are unable to pay off the arrears, you will be executed for dishonesty and affect your normal life in the future.

Legal basis

Article 93 of the Contract Law of the People's Republic of China.

The parties reach a consensus through negotiation and may terminate the contract if they fail to do so. The parties may agree on the conditions under which one party may terminate the contract. If the conditions for rescission are fulfilled, the person with the right to terminate the contract may terminate the contract.

Article 97.

After the contract is terminated, if it has not been performed, the performance shall be terminated; If it has already been performed, the parties may request restitution, take other remedial measures, and have the right to claim compensation for losses according to the performance and nature of the contract.

Article 114, paragraph 1.

The parties may agree that a certain amount of liquidated damages shall be paid to the other party in accordance with the circumstances of the breach of contract, and may also agree on the method of calculating the amount of compensation for losses arising from the breach.

Article 31 of the Guarantee Law of the People's Republic of China.

The guarantor has the right to recover from the debtor after assuming the guarantee liability.

Article 16 of the Regulations on the Administration of the Credit Reporting Industry.