First, the solution:
First, it is required to suspend the repayment of principal.
The borrower can negotiate with the bank and ask for temporary repayment of interest, not principal. Because the bank has a house as collateral, it will generally accept the borrower's proposal and earn more interest. As far as banks are concerned, as long as borrowers don't evade debts maliciously, banks have no losses.
The second is to extend the repayment period.
If the previous repayment period is relatively short, you can apply to the bank to extend the repayment period. The longest loan period of a bank is 30 years, so after the opening period, the monthly repayment amount will be reduced and the borrower will be able to repay it.
The third is to borrow from the bank again.
In order to meet the needs of mortgage customers, many banks have launched "financial mortgage" to facilitate mortgage customers to lend out their own mortgages for use. However, the interest rate of the loan amount is a little higher than the mortgage interest rate.
Second, the matters needing attention after the acceptance handover
1. After acceptance and handover, both parties shall sign the Commodity House Handover Sheet.
2. If the handover formalities cannot be completed on schedule due to the buyer's reasons, both parties agree to handle it in the following ways: the buyer is deemed to have accepted the house, and promises to complete the occupancy formalities, sign the property agreement and pay the property fee on schedule.
3. If the property fee is not paid on schedule, the liquidated damages shall be paid according to the fixed asset loan interest rate of the People's Bank of China for the same period from the due date to the actual payment date.
Third, you can check out after buying a house.
1. The developer delays the delivery of the house: In general, if the developer fails to deliver the house for more than 3 months, the purchaser can ask the developer to return the house and ask for double refund of the deposit or payment of interest on the house payment.
2. No title certificate: Due to the developer's reasons, the buyer cannot obtain the house title certificate within the time limit agreed in the contract. If there is such a check-out condition, he can ask to check out.
3. Incomplete documents of developers: Developers must have complete documents to sell houses in Gai Lou. If the developer's documents are incomplete, it is illegal to operate, and the contract signed with the buyer is invalid.
4. There are quality problems in the main structure: the foundation settlement exceeds the allowable value, the deformation of reinforced concrete structure, the strength of masonry structure and other quality problems, which are unqualified by the inspection agency.
5. The developer changes the design without authorization: If the developer changes the type, orientation and area of the house without the consent of the purchaser, the purchaser may require the developer to return the house according to the contract.
Legal basis:
General principles of loans
Article 71 Under any of the following circumstances, the lender will charge interest on part or all of the loan: if the circumstances are particularly serious, the lender shall stop paying the unused loan of the borrower and recover part or all of the loan in advance:
1. Failing to use the loan for the purpose specified in the loan contract.
Second, the use of loans for equity investment.
Third, engage in speculative business with loans in securities and futures.
Four, the borrower who has not obtained the qualification of real estate business according to law uses the loan to operate the real estate business; Borrowers who are legally qualified to operate real estate engage in real estate speculation with loans.
Five, not according to the provisions of the loan contract to pay off the loan principal and interest.
6. Borrowing money from each other to obtain illegal income.