The expert says " house price drops 30% , the dweller begins from the beginning " , the truth is b

Offer up a sacrifice in house property market be more than the current situation that beg to fall, price of near future house still is to go up ceaselessly raise, the dweller is right of house price discuss sound more, somebody expects to go up greatly, but price of more person hope house drop, but the expert says house price is impossible to can drop. Drop broken 30% , the bank can control your house, the dweller is about everything begins from the beginning, drop broken 50% , you endowment not pay a debt in kind or by labour, went bankrupt, this kind of view sees plausibility, actually is not such, use professional knowledge to change a concept to fool secretly however the masses.

Price of house of hypothesis of our for the moment drops 30% or 50% , see the market you can appear what circumstance?

House property slump in price 30% or the price of 50% , be equal to house property price basically to return the price that controlled 2017, be in so the house property hold before 2017 person, basically in the price this kind of extent drops below, can not affect its hold house property to perhaps remand loan, the market prise of its hold house property still prep above room lends amount.

The first, house price steeps fall the circumstance of the half falls, house property market prise still exceeds loan amount

If house price drops 30% or the 50% numbers that are affected are not much, get the buys the house newly for the near future merely resident of the influence, and inchoate loan buys a house (the dweller that entire section buys a house also is not affected, because do not produce an impact with the bank, here we are not done discuss) dweller, market prise of their house property still the loan amount that prep above owes a bank, so their loan is remained high grade have safeguard, the bank won't have the possibility of any operations to its.

The 2nd, house price steeps fall general, house property market prise under loan amount

Move in active economy below, the dweller buys house property is the pattern that takes loan to buy a house commonly. Be in 2 respects and bank to produce an impact in the meeting in the process that buy a house so. On one hand you borrow money from the bank, the bank makes your loan, on the other hand the bank is reduce a risk, need you to mortgage the house to the bank, concern of a kind of mortgage generated between you and bank.

Go up from law above all for, house price drops (blame is subjective and intended the house property that cause devalues) bring about market prise under loan amount, if you are continueing to still be borrowed, the contract between you and bank still is continueing to fulfill, you do not have break a contact, the bank also should honor the agreement, have no right to control your house property.

But from content authority law mortgages for the contract, because your loan amount is,according to you the market prise of house property serves as mark will mortgage, the loan amount of nuclear cipher out, if house property drops,cut loan total value, the bank has authority to ask you are complemental the value of pawn, if you cannot offer new pawn, the bank has authority to control house property.

Borrow money under the bank when house property market prise amount, may one part dweller goes out to abandon a room to break borrowed likelihood all right, but overall for most dweller can continue to fulfil a contract, maintain existing leasehold relationship.

The first, house price falls greatly, the profession fries room person to face a certain number of choices

Do not know legal common sense commonly the person of baleful perhaps and contort law may think this kind of circumstance falls, the profession fries room person to be able to abandon a room to break directly borrow, but if they are capable to return borrowed premise,fall in fact, they won't make that one step.

Abandon a room above all but debt not disappear. You abandon a room but your debt problem did not abandon a room as yours and eliminate, you abandon a room to give a bank, price of bank on sale will be far under its market prise, when building city is stagnant, sale price will be lower, at this moment silver-colored guild asks according to contract price you are complemental price difference, if you are faint and complemental,perhaps do not wish complemental, the bank can ask the court auctions the other property of your under one's name.

Next credit enters blacklist. Once enter the credit blacklist of the branch that sign a letter, take Gao Tie, live hotel, buy the circumstance such as luxury to be able to be prohibited, can say to be able to let you can not move a step almost.

The 2nd, the client that buys a room to be used at the residence, drop greatly in house price below, feature of debt rights and interests won't have fluctuant

Below the premise that drops greatly in house price, although the bank can be carried out according to contract of matter right law, on sale house property, make you penniless bear a suit liability even, but the bank won't be operated in that way.

Above all dweller loan contract is more high grade still. Want a dweller to continue to fulfil loan contract only, return a month to offer on schedule, house property loan remains high grade contract, bank won't stick one's chin out cancels loan contract, handle extremely, do not accord with the interest of the bank in that way. If the bank controls a house, change of house property ownership arrives in bank hand, below the circumstance of be issued to lower levels of house property market, the bank sells also is very difficult, can increase bank debt and risk in that way, do not accord with the prime increase of the bank.

Do not accord with the stability of life economy order next. In socioeconomy depression, the country won't allow a bank impossibly also to use the influence in his hand to do the business that destroys life stability and safety. The government is the shareholder with the biggest bank, they meet what be premise with social stability for certain, although give the break a promise that shows individual citizen to appear because of income problem, the bank also can negotiate settlement way with the dweller, won't control a house until the last moment.

No matter house price drops how much is scale, as long as you are not baleful abandon a room to break borrow, bank won't rushed the house property that controls you, that does not accord with the prime increase that the bank grows, also do not accord with country and the prime increase that socioeconomy grows. But your ill will decides in case borrow, await you will the heaviest consequence, let you can not move a step.