How to Handle Supply Interruption Correctly?
There are two types of situations in which there is a disconnection: one is the false purpose of the purchase to obtain a fake mortgage for bank loans. I won't discuss it in the first issue, we just need to discuss it, it is the second type of real purchase, but the supply is cut off due to major changes in the family. For example, the death of a person in the real estate enterprise, serious illness, divorce, loss of income, or bankruptcy of the business you operate. If there is a real supply outage.
First, deal with the mood first, and then deal with things. In the event of a cut-off of confession, every member of the family must exercise restraint, bury themselves calmly, and complain to each other for thousands of prayers, causing unnecessary damage to family conflicts. Even if you choose to divorce in the end, you should be amicable and divide your property in a way that is permitted by law, so as to preserve the property of each family member as much as possible.
The second is to rent out the building. If you are unable to afford an apartment due to a drop in income, you should first consider finding a low-cost place to live, such as moving back to live with your parents, and then renting out the apartment to alleviate some of the repayment pressure.
Third, apply for a loan. If you still have a normal payroll job, go to the bank quickly to apply for a loan, and wait for the personal credit report to apply first. Du particularly emphasizes that the following way is not to ask you to take out a loan to support the loan, or to use Huabei to borrow to repay the mortgage, not this logic, mainly a temporary solution. You use the loan to live and bury consumption, and use your salary to continue to pay for the house. In addition, I recommend that Qianqi should not use Huabei borrowing and credit cards to maintain life and bury contributions, because the interest rate of yo products is too high.
Fourth, after dealing with the above three points, immediately put the offer for sale, and put the offer for sale. In principle, the repayment of the principal and interest of the bank mortgage loan shall prevail. If you are selling at a discount, you may lose the down payment or previous related expenses, at least you can keep it good if you have a credit report and a repayment record. If you sell at a discount in the current market, the property will be sold faster.
Fifth, if you really don't even have the opportunity to put the market and the ability to bury money, negotiate and communicate with the bank, there is a better way to deal with it. I would suggest that you quickly cooperate with the bank to go through the auction process, quickly sue for auction, shorten the judicial time, and reduce the penalty interest as much as possible and bury other litigation costs. Because sometimes long pain is better than short pain, and I don't even think about cutting off the supply. But when you really encounter it, you don't complain about it, and you don't treat it negatively, so as to deal with it quickly with a positive attitude. In this way, you can not only settle the family and avoid the trouble of debt collection, but also protect your personal credit records, so that you can make a comeback in the future and earn back what you have lost. To paraphrase the ancient saying: stay in the green mountains, even if there is no firewood. The mountains and rivers are exhausted, and there is no way out, and the willows and flowers are bright and another village. Please stay tuned to me, I'm Sam.