There are two kinds of restrictions that cannot be handled for pre-negotiation: one is that assets are greater than liabilities, and the other is that they have served as responsible persons or shareholders in the past five years and the average monthly turnover exceeds 200,000 yuan. The determination of the former differs according to the standards of each bank, and the latter is established only when both conditions are met. However, the reason for the bank ’s rejection is also that the debtor is deemed to be repayable, and naturally will not agree to the debtor to negotiate. If you think about it carefully, how can a person who is in debt to negotiate with a bank have assets greater than liabilities? This point should be questioned by many people. According to the common situation, most of them are divided into two reasons: First, as in the case of A, there are multiple holders of an asset, and if the holders want to sell or mortgage, they need to seek The consent of all stakeholders, however, if there are many stakeholders, not only is it difficult to implement, but it is also difficult to fully agree. Also, some people think that this does not mean that everyone is indebted? Not only mind but also difficult to tell. The second case is that the elders hang the house or land in the name of the children of the younger generation. For the children of the younger generation, although this asset is nominally their own, the use of the assets still requires the consent of the elders to convince the elders that they may It is not easy, so it cannot be used to pay down debt.
Encountering these situations is really a dilemma, but there are still ways to solve them. Like some A, you can take the form of court mediation and send a petition to the court. After the court accepts it, it will summon the debtor and the creditor bank to coordinate with it, and finally decide on the pre-negotiation repayment plan; if the bank proposes “individual negotiation” 2) The method is equivalent to privately discussing and signing a contract with a bank, so there is no need to run to the court, but this will not have the notarization effect of the court. Some banks may propose a settlement plan, but they negotiate again individually one year later, or agree to reduce the monthly payment, but the previous year only paid interest, and then began to repay the principal, etc. These details need to pay attention to, And measure the repayment method according to your own situation. If you are unclear, you can consult a trusted professional to get a negotiation plan that suits you.
Even if the negotiation is smooth, in addition to paying on time, the last thing to note is that when the debt is settled, remember to collect the settlement certificate from the bank. This certificate is like a receipt to prove that your debt has been settled. Since there is no requirement for banks to provide a liquidation certificate after the debtor has paid off the debt, the debtor should take the initiative to prevent the bank ’s troubles in dealing with the bank if it fails to write off bad debt records in time