What if I can't afford the second mortgage?

Apply for extension of loan repayment. During the performance of the original mortgage contract, if the borrower can't repay the loan on schedule according to the original repayment plan, he can submit a written application to the loan bank to extend the loan term. After the loan bank agrees, he will sign an individual housing loan deferred repayment agreement and go through the relevant formalities, and the guarantor will sign an deferred repayment agreement. The borrower can only apply for a loan extension once, and the sum of the original loan term and the extension term shall not exceed 30 years at the longest. When the original loan term and extension term reach the new interest rate term grade, the loan interest will be charged at the new term grade interest rate from the date of extension. No longer adjust accrued interest.

Ask friends and relatives for help. If your business ability is really limited, you can't find a suitable good job in a short time, and you can't help yourself get rid of the monthly payment, don't be discouraged. Summon up your courage and try to raise some emergency funds from relatives, friends and colleagues around you to tell people the truth about your current difficulties. Maybe you will get their support and help.

What problems should I pay attention to when buying a house?

1, agreed to pay part of the expenses in advance. Real estate development needs high funds. It is normal for developers to face financial pressure, but this cannot be a reason to ask buyers to pay the money they should not pay in advance. In contracts or supplementary agreements, developers often write down some expenses that should not be paid in advance, requiring property buyers to pay in advance, which is obviously unfair.

2. For example, some developers require buyers to promise to accept property management services and accept relevant constraints in the pre-sale contract before determining the property management company, service standards and fees, which is not good for consumers.

3. The seller terminates the contract. In the sales contracts or contract attachments made by some developers, it is often said that "if the buyer fails to pay the arrears without reason, the seller may terminate the contract and confiscate all the money paid by the buyer." Terms, such terms are obviously unfair.

3. The agreement on the treatment result is not clear. Many contracts often see such a clause, "what should be done before a certain date", but there is no agreement on how to deal with things not done before a certain date. In this way, even if it is finally determined that it is the fault of the developer, it is difficult to sanction him, and at most it is mediation.

4. Refuse to sign the supplementary agreement proposed by the buyer. As mentioned above, the developer will take the initiative to issue a supplementary agreement that is beneficial to him when signing the contract, and the buyer can also issue a supplementary agreement that is beneficial to him. It's best to sign the terms of the developer's advertisement and the promise of decoration and property management in the building book into the supplementary agreement, so don't be afraid of trouble.