Nowadays, many of us are in a state of negative equity. At the age when you shouldn't have a house and a car, you have your own house and a car. Of course, this kind of advanced consumption has also brought a lot of influence to our lives.
As the younger generation, many of us are burdened with mortgage and car loan, and these two kinds of loans make us wake up and owe the bank several hundred yuan every day. Under this pressure, we dare not spend at will, let alone get sick and lose our jobs.
Under such circumstances, the pressure of mortgage and car loan seems to make us enter the middle-aged crisis in advance. If we lose our source of income, it means that we can't repay our mortgage and car loan. It will also affect our personal credit information because of the default of mortgage and car loan.
This is not a good phenomenon for us young people. Once the credit information is tainted, it will have a great impact on our future life. You can't apply for a mortgage to buy a house, and you can't apply for a corresponding loan to start a business.
One of my college classmates had a profound experience. After graduating from college, he watched others have their own cars. So before I found a job, I bought a car through a car loan.
At first, it was really beautiful. After all, we just graduated, and he already has his own car. When I sent it to the class group, I was really envious.
In my impression, I always thought that he bought the car with the help of his family, but who knows that he bought it with his own car loan. Finally, I called me to borrow money, and I knew the origin of the car. When he called me, his car loan had been suspended for three months.
Later, because of the impact of car loan default, he can't apply for a loan now; When I got married last year, the wedding room was also loaned in the name of my wife. And because only one person can get the loan, their down payment is a whole hundred thousand more.
Therefore, when our mortgage and car loan are off, it will have a great impact on our credit information, and we should try our best to avoid this situation.
I have the consequences of the failure of second-hand car supply.
If the used car is not returned, it will be towed away by the used car company; It will be collected by the collection staff who have used cars; Will be sued by a used car company; Some products will receive credit information, which will affect the credit of the owner.
It is illegal to have a used car trailer. If the owner and Xinyou second-hand car company sign a power of attorney for the overdue monthly payment, Xinyou second-hand car has no right to tow it, because China's General Principles of Civil Law of People's Republic of China (PRC) and General Principles of Civil Law will protect citizens' personal property.
According to the General Principles of the Civil Law of People's Republic of China (PRC) and Article 75 of the Civil Law of People's Republic of China (PRC), citizens' personal property includes citizens' lawful income, houses, savings, daily necessities, cultural relics, books and materials, trees, livestock, means of production permitted by law and other lawful property. The lawful property of citizens is protected by law, and it is forbidden for any organization or individual to occupy, plunder, destroy or illegally seal up, detain, freeze or confiscate it.
If the owner thinks that the installment interest rate of used cars is unreasonable, he can go to the used car company to negotiate and deal with it, and should not protest beyond the time limit. If the owner is maliciously overdue, the used car company has the right to file a lawsuit against the owner. At that time, there will be bad credit records in the owner's personal credit information system.
Xinyou Group's brand of "Heart with Used Cars" is an e-commerce platform focusing on the retail service of used cars, including both B2B business for car dealers and B2C business for individual consumers. Xinyou Group was established on 20 1 1, and has established more than 3,000 professional appraisers throughout the country. After professional testing, the vehicles of dealers all over the country will be electronically transferred to the network platform, and consumers can browse and buy their favorite used cars anytime and anywhere through the used car website and mobile phone client.
As of 20 17, Xinyou's used car business covers 400 cities, with more than 5 million vehicles on the shelves and 654.38+10,000 service dealers. As of August 20 17, the cumulative turnover exceeded 1.25 million units. In addition, Xinyou used cars also provide comprehensive derivative services such as professional testing, after-sales extended warranty, and Xinyou Finance. 2065438+On June 28th, 2008, Xinyou landed on Nasdaq with the stock code "uxin".
What will happen if the confession is broken?
The consequences of mortgage default are as follows:
1, will bear a high penalty interest. If the buyers can't repay the monthly payment on time, they will have to accept the penalty interest from the bank. The default interest rate of overdue mortgage is generally higher, and the longer the mortgage is delayed, the worse it will be for the borrower.
2. Pull into the credit blacklist. Once there is a breach of contract, it will be blacklisted, and personal credit will be seriously damaged after it is defiled.
3. The house is auctioned as a debt-paying house. If the property owner fails to repay the loan on time, the general bank will give the property owner a grace period of six months, but if the mortgage is not repaid for more than six months in a row, it will be mortgaged for auction.
4. Will cancel the mortgage contract. When the borrower fails to perform the repayment agreement, is seriously overdue or maliciously overdue, the lending bank has the right to unilaterally terminate the loan contract and deal with it according to the liability for breach of contract.
5. The house payment is wasted. When buying a house, buyers need to pay down payment, deed tax, maintenance fund and city supporting fees. But once the supply is cut off, most of the money will be wasted.
6. If the mortgage can't be recovered, if it is a loan to buy a house, after buying a house, the buyer has to repay the loan on a monthly basis. When the house price falls, if the buyers choose to cut off the supply, then all the original mortgages will be lost.
Will renting a car and buying a car affect credit reporting?
1. Credit information system meeting
2 may have an impact, in accordance with the lease contract. If it is not repaid, the vehicle may be taken back.
But the influence is not direct. It is suggested to contact the lending institution and reach a repayment plan with it, otherwise it will be sued by the lending institution. If the annual interest rate exceeds 36%, some laws do not support it, and you can get the extra interest back.