唯一住房抵押贷款还不上,银行会怎么样,谢谢各位给点

樊慧超 2019-11-05 23:40:00

推荐回答

银行可以提请法院拍卖房子。银行作为抵押权人有权要求以该房屋清偿债务。担保法》第五十三条 债务履行期届满抵押权人未受清偿的,可以与抵押人协议以抵押物折价或者以拍卖、变卖该抵押物所得的价款受偿;协议不成的,抵押权人可以向人民法院提起诉讼。抵押物折价或者拍卖、变卖后,其价款超过债权数额的部分归抵押人所有,不足部分由债务人清偿。拓展知识抵押,是指抵押人和债权人以书面形式订立约定,不转移抵押财产的占有,将该财产作为债权的担保。当债务人不履行债务时,债权人有权依法以该财产折价或者以拍卖、变卖该财产的价款优先受偿。中华人民共和国担保法。
齐晓向2019-11-06 00:36:34

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其他回答

  • 目前,国家是不会强制执行唯一一套住房的,不过需要看你房子的情况。第一你房子的地段是不是黄金地段,是不是面积很大或者是豪华房产,要是是的话,法院可能通过提供别的地方的房子来换置,来执行。但是,前提会保障你及你的家人的住宿需求。
    米士刚2019-11-06 00:19:15
  • 首先,银行方款出去是要经过很严格的审核程序的,您必须要有很好的还款来源才会给您放款的,办理的时候都有抵押合同,到时候您仔细看好合同,合同里面这么写的,就是这么处理的,但是一般情况下,都是如果您还不上钱的话,那就很有可能是要处理您的房子了,希望可以帮助到您,。
    齐晓冰2019-11-06 00:09:44
  • 会,既然已经设立抵押,也就意味着房屋所有权已经转移,银行主张他的权利无可厚非,“唯一住房”不能抗辩银行主张的权利。
    齐效用2019-11-06 00:02:14
  • 想办法弄一个非唯一住宅声明,证实你除了这一套住房外,其他地方还可以居住,并花点钱去做个公证,同时签一个强制执行申请函。这样或者可以去邮政储蓄银行试试做抵押贷款。
    齐晓旭2019-11-05 23:56:27

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