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银行贷款逾期对抵押物有很影响

  [2017-02-21 15:28:45] 

如果借贷人在还款日没有如期归还银行的贷款,逾期还款或者长期拖欠贷款,会不会对抵押财产造成一定的影响呢?

逾期次数较少,不会对抵押财产造成影响

一般借贷人逾期还款需要视情况而定,如果仅仅是一次、两次的逾期还款,一般不会出现严重的影响,更不会对抵押财产造成任何的影响。如果逾期还款一两次,最严重的是在银行留下不良个人信用度,但如果不是恶意的逾期还款,向银行说明具体的实际情况,保证之后的每个月正常还款,不良信用度也会消除。

逾期还款次数多,对担保人、抵押财产将造成严重的影响

如果借贷人逾期还款多次,并且出现严重的还款困难,或者恶意的拖欠行为,影响较大。情节最轻的处罚就是增加利息,再者要求担保人偿还欠款,最后就是没收借贷人的抵押财产,将固定资产进行拍卖,作为偿还银行的贷款。

个人在银行申请贷款之后,要保证稳定的还款,不拖欠银行的贷款,一旦出现还款困难,不是恶意的拖欠贷款行为,可向银行说明实际情况,并申请拖延还款,在经济困难的时期可以暂停还款。需要注意的是拖延还款只有一次申请机会,在暂停还款日结束后,要保证正常的还款。 

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             

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