Why does everyone dare to borrow money to buy a house without worrying about not paying it?

First, why do everyone dare to borrow money to buy a house without worrying about not paying?

Since ancient times, people have different attitudes towards houses, because in people's traditional ideas, houses are the most basic needs of a family. According to previous statistics, most people who buy houses are people in their twenties. Although these young people don't have much savings, they often complete their purchases with the help of their parents.

You know, in many foreign countries, the average age of buying a house is over 37, because as a person grows older, his experience and work experience will become more and more mature. Many foreigners will only choose to buy real estate if they have a successful career and a stable income.

In the eyes of many professionals, for some young people, they can really bear certain pressure and influence after they have applied for mortgage loans in banks. In fact, it is necessary for these young people to bear a certain amount of pressure properly, so as to encourage them to keep fighting. We should know that the threshold for bank loans to buy a house is not high, and with the possible low interest rate, it is possible to attract more people to invest.

When people buy more and more properties, they form a huge buying army. They bought a house without hesitation. Even if they have to bear great economic pressure, they will always work hard and pay their mortgage in the next few decades, but they are still keen on buying a house.

Second, the mortgage bank loan has not been repaid. What should banks do to transfer their creditor's rights to asset management companies?

If you are not mistaken, the problem itself has a "problem." It can be inferred from the question that this question has a legal relationship.

Among them, the bank mortgagor is the debtor (there is a mortgage contract relationship in the loan relationship, and the bank is the mortgagee and the debtor), and the loan contract is the master contract and the mortgage contract is the slave contract.

How can a company accept debts when it accepts creditor's rights?

Well, after understanding the above questions, the answer will be clear. According to the provisions of the Civil Code, the assignee obtains the subordinate rights related to the creditor's rights, except that the subordinate rights belong exclusively to the creditor himself. The transferee's acquisition of subordinate rights is not affected by the non-possession of subordinate rights.

Therefore, the bank transfers the creditor's rights because the asset management company belongs to the transferee, so the corresponding mortgage right is also transferred to the asset management company.

That's a good question. First of all, we should understand the expression of creditor's rights or property rights after mortgage. How to get the property back? Is a concern of many people. Dry goods sharing!

After the mortgage of the general real estate bank, the debtor will owe tens of millions of loans only when it comes to big cases.

After the creditor's rights are transferred to the asset management company, only the creditor of the creditor's rights becomes the name of the asset management company, and he can dispose of this property right and lease right.

After the transfer of creditor's rights, the asset management company has the right to dispose of it and sell it at one time. Debt auction, or the whole, is to auction the whole house. The corresponding sale price gives priority to repayment of creditor's rights. That is the creditor's rights of asset management. The excess will also be returned to the original property owner. This is the case that the auction price is greater than the creditor's rights, and the transaction price is very low. Then you lose.

Asset management companies also have a disposal management company that auctions or resells creditor's rights to other natural persons or companies. Then this competing creditor (referring to a new natural person or a new company) can have the right to dispose of it. He can also auction or resell the ownership of the whole property right and get back the creditor's rights or profit difference to make a profit. In the process. Asset management companies, the acquisition of this creditor's right is generally 3-4 fold sold to asset management companies). And sell it to a new home. Asset management can make a profit by raising the price of creditor's rights in the debt resold to the next home. This operation is generally operated by four major asset management companies, such as Oriental Big Assets and Huarong Assets. It is also a private asset management company, which buys creditor's rights in the market. Therefore, in this process, we must pay attention to who owns the creditor's rights. If you want to redeem your assets, you must discuss how to buy them back.

From the above, how do you get your assets back? There are two redemption methods, provided that your company can't go bankrupt. Because if it goes bankrupt, there is no point in putting it back in the original company.

When you find our local company, you can simply understand it as bridge-crossing business. Operational preparation for redeeming assets through general capital allocation. The first thing to know is when this asset will be auctioned. You bid 300% for you. In order to ensure the auction, you have to spend some time communicating with asset management companies and auction companies. I'll stop here.

This operation needs to calculate the source of interest and repayment clearly before the mortgage company will be willing to help you. If there is industry support, there will be normal approval. There is also the amount of capital allocation, and the more you earn, the better. Mortgage companies are also less risky. 50% capital allocation is better. Generally speaking, companies with advance capital will not fully advance capital.

The source of repayment is also a very critical issue. This meeting is related to whether the company will help you, and another factor is mainly the value of the property. Whether there is room, whether the bank loan can meet the repayment and interest of the advance company. As long as you find a good son, a good friend or a good lover. Take pictures in their names and put them in their names. Then go to the bank for a loan in their name. So that the money borrowed from the company can be returned to them.

This method can be used when the quantity is small. If the amount exceeds 5 million, this method will not work. Mainly, if the bidder you provide goes to the bank for a loan, the personal amount of the bank loan cannot exceed 5 million, and if it exceeds 5 million, it needs a company loan.

So you have to prepare a new company or borrow someone else's main company. Reinstall the property. So that the bank can approve the funds later. It is best to buy a loan subject with a credit line. For example, the credit line is above 6,543,800+million. So you used this company to redeem these assets. You can lend it out. Return to the lender. So the source of repayment is very clear. Don't believe that selling these properties can repay the company's money. This reason is not sufficient. They won't give you that much time. And the interest rate is high. You won't last that long. And I will reject you directly.

Of course, there are two other ways. A friend is willing to redeem it for you. The same allocation of funds, you pay half of the funds. Your friend also paid half of the money to redeem it for you. Money owed to friends can be paid back slowly.

There is another way to control the right to use this property. You can take these properties for lease record. Sign the lease contract and notarize it, and take it to the real estate lease for the record. So you have the right to rent it. Who wants to buy this property? Everything goes through you. You can check the civil law.

I met a case of the boss of a real estate company in Guangxi. I met this boss because I am in real estate finance. He once made a fortune in real estate in the sugar industry, and owed more than 654.38 billion due to bad luck. The company filed for bankruptcy. He has several apartments and residential properties for hotel management, and the hotel is also owned by this boss. Hotel management initially signed a lease contract with the property owner for 5- 10 years. All by the same person or pulling strings. Now many people want to buy this property through this renter, if he doesn't move out. He can sue you.

Therefore, many banks will require you to sign a mortgage notice from the tenant when lending money. The content inside is basically to inform the lessee that the property has been mortgaged to the bank. When the bank or creditor disposes of the property. The lessee shall give up the right of resistance.

It is difficult to manage the company.

In other words, the bank outsourced the debt, and the third-party company will collect it from you. You must answer the phone and negotiate the repayment. Finally, down-to-earth, work hard and pay off debts as soon as possible. One door closes and the other opens.

In this period, when the creditor transfers the creditor's rights and debts to the asset management company, it may involve the rights of a third party. When the third party claims rights, is it affected by the limitation of action of the principal creditor's rights, and the principal creditor fails to exercise its rights during the limitation of action, and does it lose the right to win the case? These problems are related to the realization of the ultimate right.

It is impossible to transfer the mortgage debt to the asset management company. If this happens, the bank will go bankrupt. The biggest asset of the bank now is the house.

Third, why does everyone like to borrow money to buy a house? Why not pay it back immediately?

You are a rich second generation, right?