At 23:59 on December 18, 2023, a 6.2-magnitude earthquake struck Jishishan County, Linxia Prefecture, Gansu Province, China, causing serious social concern. This natural disaster demonstrated the insignificance of human beings in the face of the forces of nature, and the lives and property of thousands of people were seriously threatened.
The earthquake has killed 18 people, injured 198 and left 16 missing in Haidong City. By 13:00 on December 19, the earthquake in Gansu had killed 113 people and injured 536. The state has launched a second-level emergency response to the earthquake, and various rescue and rescue work is being carried out in an intense and orderly manner.
After the earthquake, infrastructure such as houses, electricity, and roads were severely damaged. The society is generally concerned about the safety of the people in the disaster area, and in this concern, some people asked, the house I bought was damaged in the earthquake, so do I still need to pay the mortgage?
Nowadays, people's lives are becoming more and more stressful, and many people have worked hard for most of their lives to buy a house and a car, and want to live a stable life. But natural disasters cannot be avoided, these things are insignificant in the face of life, and health is more important than anything else.
However, the current housing prices are obvious to everyone, so most people buy with loans, so there are the above problems. If the house is damaged due to a natural disaster, do you need to continue to pay the unpaid mortgage?
The answer is yes, of course. Although the house was damaged due to a natural disaster, the loan still needs to be repaid as stipulated in the contract. A mortgage is a debt relationship between the buyer and the bank, and the house is used as collateral, although it is damaged, the loan still needs to be fulfilled in essence.
It's like if you borrow a dollar to buy a steamed bun, and the steamed bun falls to the ground and can't be eaten, but you still have to pay it back if you borrow money from others.
Isn't it true that people who buy a house and repay their loans are called "house slaves"? "House slaves" refer to people who have a heavy burden and have a difficult life because of the purchase of a house. Once you decide to take out a loan to buy a house, you have to repay the debt for most of your life, and under any circumstances, you can't break the loan repayment
It has also been suggested that what if the borrower and the house are lost in a natural disaster? In general, in this case, the bank can only write it off.
In the face of the situation that the house was damaged due to natural disasters and the loan still needs to be repaid, netizens have different opinions. Here are some netizens' views:
1. Some netizens may emphasize the legal nature of the contract, believing that the loan is a legal liability, and even if the house is damaged, it cannot escape the responsibility of repayment. They may encourage homebuyers to fulfill their repayment obligations in accordance with the contract.
2. Other netizens may be more concerned about humanitarianism, believing that in the face of natural disasters, home buyers may be under tremendous economic and living pressure, and hope that banks or governments can provide more support and forbearance to reduce the repayment burden of disaster victims.
3. Some netizens may be concerned about whether the government has provided corresponding support policies, such as whether there are local relief policies or post-disaster economic support programs. They may call for more support from the government.
4. Some netizens may be looking for more information about similar situations and want to know how other homebuyers are dealing with similar issues in order to make more informed decisions.
In general, netizens' opinions are influenced by various factors such as personal experience, values and social concepts, forming a pluralistic view. In the midst of similar social issues, rich and complex voices and opinions often emerge.
Although the mortgage still needs to be repaid, our country will also give some corresponding policies.
Looking back at past natural disasters, such as the Wenchuan earthquake, the state has relaxed the treatment of unrepayable debts in the affected areas, and banks have suspended measures such as collection and penalty interest.
First, from a legal point of view, while the law is ruthless, the state usually has policies in place to provide a certain grace period for lenders in the affected areas.
Secondly, the intervention of social forces, enterprises and celebrities have donated money and materials to provide assistance to the affected areas, which may reduce the repayment burden of the disaster victims to a certain extent.
Finally, at the individual level, lenders need to understand the terms of their contracts and have the potential to adopt flexible repayment options to alleviate financial pressure.
"Although natural disasters are merciless, there is love in the world. In difficult times, we work together, and warmth can always overcome suffering. "Friends in Gansu, the whole country will be fine with you!
In the midst of this disaster, everyone's heart will be touched. What is your view on the plight and social assistance of the people in the disaster area? Please leave your comments and jointly send warmth and strength to the people in the disaster area.