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How to deal with the housing ownership certificate after it expires

Time: June 30, 2024 label: Financial insurance Bank disputes Reading: 1176 people
Lawyer's analysis:
In legal practice, even if the other warrants expire, their effectiveness can still fight against the third party.
However, when this situation continues for more than 2 years, the legal right to apply to the court for dispute resolution will be lost, but in this case, if the dispute is not resolved through the anti-counterfeiting registration agency Deregistration The original program mortgage Will remain valid.
Legal basis:
Article 393 of the Civil Code
Under any of the following circumstances, the real right for security shall be extinguished:
(1) The principal creditor's right is extinguished;
(2) Realization of security interest;
(3) The creditor waives the security interest;
(4) Other circumstances under which the real right for security is extinguished as prescribed by law.
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The approval time of the housing loan application depends on many factors, including the approval process of the bank, the completeness and accuracy of the materials submitted by the applicant, the current market situation and the workload of the bank. The following is the general approval time frame: application submission: the applicant submits to the bank

Sealing up and auction of property: the court will inquire about the property under the name of the person to be executed according to law, including real estate, vehicles, bank deposits, stocks, bonds, etc., and has the right to freeze, seal up, detain, auction or sell these properties to pay off debts. Personal credit record impact: the person to be executed

Understand the policies and regulations: First, understand the local policies and regulations on secondary mortgage loans, because different regions may have different regulations. Selection of loan institutions: compare the interest rate, term, fees and other conditions of different loan institutions, and select the most appropriate loan institution

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    The bank is strict in handling overdue housing loans: default interest within one month, SMS reminder on the 30th; If it is overdue for three months, it will urge repayment, and if it is overdue for more than half a year, it will appeal to the law. If the debtor fails to pay when the court judges that the debt is valid for more than half a year, it may violate the "crime of refusing to perform the judgment and award" and face criminal liability.

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  • How to return the deposit that the bank refuses to pay

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    The treatment of failure to make a loan after the deposit is paid depends on the reason. If consumer credit problems lead to loan failure, the deposit is usually not refunded; However, if the developer fails to meet the bank lending standard, the consumer has the right to claim back and ask for a double refund. If the loan is blocked due to insufficient credit capacity of consumers or problems of developers (such as no pre-sale license and incomplete use conditions), according to the law, developers need to return the deposit and may pay additional money. Consumers also have the right to demand refunds for loan problems caused by policy adjustments or changes in bank rules, which are force majeure factors.

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