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<!--分类,浏览数,评论数,推荐数--> <div class="work-head-box"> <div class="head-left"> <span class="head-index"> <span><a href="https://www.hongjibp.com/topic/default.html" target="_blank">站内文章</a></span> <i>/</i> <span><a href="https://www.hongjibp.com/cat-23" target="_blank">精选知识</a></span> </span> </div> <div class="head-right"> <span class="head-data-show"> <a href="javascript:;" title="共1135人气" class="see vertical-line"> <i></i>1135 </a> <a href="javascript:;" title="共0评论" class="news vertical-line"> <i></i>0 </a> <a href="javascript:;" title="共0收藏" class="recommend-show"> <i></i>0 </a> </span> <!-- ajax节点 判断操作权限 --> <span class="cdn_ajax_articlecaozuo"></span> </div> </div> </div> </div> <!-- cdn节点 获取文章发布者信息 --> <div class="cdn_ajax_userinfo"></div> </div> <div class="container "> <div class="content-wrap"> <div class="details-con-other border-top" > <div class=""> <div class="three-link"> <!-- cdn节点-- 获取当前文章可收藏和评论状态 --> <span class="cdn_ajax_articlefavoriteandcommentbtn"></span> </div> </div> </div> </div> </div> </div> <div class="container"> <div class=" row"> <div class="col-md-17 bb" style="margin-top:20px;"> <div class="work-details-content" > <div class=" "> <div class=""> <div class="work-show-box" style="margin-top:0px; padding:10px"> <div class="wangEditor-container" style="border:none;"> <div class="wangEditor-txt" style="padding:0px;"> <p style="text-align: center;"><img src="http://www.hongjibp.com/data/upload/img/15450533940.jpg" title="房贷逾期解除合同怎么办" alt="房贷逾期解除合同怎么办"/></p>贷款买房后遭逾期交房怎么办？据小编了解，由于购房人所贷的全部房款早已一次性转入了开发商的账户，故开发商逾期交房属于严重的合同违约行为。以银行按揭贷款方式买房时，购房人想退房需要同时处理好同开发商签订的<a style='color:#2f2f2f;cursor:pointer;' href='http://www.hongjibp.com/laws-9637.html'>商品房买卖合同</a>和因该<a style='color:#2f2f2f;cursor:pointer;' href='http://www.hongjibp.com/laws-8466.html'>买卖合同</a>而存在的银行担保贷款合同。购房人有权解除该商品房买卖合同并要求开发商赔偿银行利息、办证费用等实际损失。可以选择适用三种处理方式：第一种，先解除购房合同，由开发商退还业主全部购房款、利息及其它办证费用，然后，由业主到银行解除担保贷款合同，办理提前还贷手续，将剩余贷款本息(部分本金、利息此前已按月归还)提前还给银行; 第二种，业主先到银行解除担保贷款合同，办理提前还贷手续，将剩余贷款本息提前还给银行，然后，业主再同开发商解除购房合同，要求开发商退还业主全部购房款、利息及其它办证费用; 第三种，业主与开发商达成退房协议，开发商将首付款、已还按揭款及利息、其它费用返还给业主，业主欠银行的剩余贷款本息也委托开发商直接还给银行，解除担保贷款合同由于贷款已一次性过至开发商帐户，实践中，往往采取第三种方式，由开发商将剩余贷款金额及利息支付给贷款人。此外，在购房者办理按揭贷款时，银行一般都会要求买家为其购房上保险，保险受益人为贷款银行，所以在解除<a style='color:#2f2f2f;cursor:pointer;' href='http://www.hongjibp.com/laws-9166.html'>借款合同</a>后还要办理保险退保手续。如果开发商不同意退房，无法达成退房协议，业主可以直接向法院起诉，请求法院在判决解除购房合同的同时一并解决按揭贷款问题。 <h2><a href="https://www.hongjibp.com/laws-352841.html" title="逾期交房解除贷款合同(房贷逾期了,银行起诉解除合同,还有商量吗)">逾期交房解除贷款合同(房贷逾期了,银行起诉解除合同,还有商量吗) </a></h2> <p style="color:#666;font-size:14px;margin-top:13px;">贷款买房后遭逾期交房怎么办？据小编了解，由于购房人所贷的全部房款早已一次性转入了开发商的账户，故开发商逾期交房属于严重的合同违约行为。以银行按揭贷款方式买房时，购房人想退房需要同时处理好同开发商签订的商品房买卖合同和因该买卖合同而存在的银行担保贷款合同。购房人有权解除该商品房买卖合同并要求开发商赔偿银行利息、办证费用等实际损失。可以选择适用三种处理方式：第一种，先解除购房合同，由开发商退还业主全部购房款、利息及其它办证费用，然后，由业主到银行解除担保贷款合同，办理提前还贷手续，将剩余贷款本息(部......</p> <h2><a href="https://www.hongjibp.com/laws-1088358.html" title="工行房贷逾期被起诉能和解吗(房贷逾期了,银行起诉解除合同,还有商量吗)">工行房贷逾期被起诉能和解吗(房贷逾期了,银行起诉解除合同,还有商量吗) </a></h2> <p style="color:#666;font-size:14px;margin-top:13px;">如果只打一次的话就有影响，后面如果还给你打的话，就没事我因为房贷几次逾期没没还，被银行起诉到法院，在没有开庭的情况下和解我要承当哪些费用，大概是多少，如果希望和解让银行撤诉的话，肯定的费用就是诉讼费而已，撤诉按照标准诉讼费的50%由你承担。另外就是银行的律师费，不过这个项目不一定有，有些是银行的法务负责的。其余就没什么必要支出，剩下的就看你们是如何和解的了。房贷有累计逾期 现在账户正常 但是银行起诉不给撤诉怎么办有房贷逾期银行只要把账要回来，不会要别的，建议还是还上，逾期了。要先处理，你现在去别......</p> <h2><a href="https://www.hongjibp.com/laws-242219.html" title="房贷逾期了被起诉了协商完还要给起诉费吗(房贷逾期了,银行起诉解除合同,还有商量吗)">房贷逾期了被起诉了协商完还要给起诉费吗(房贷逾期了,银行起诉解除合同,还有商量吗) </a></h2> <p style="color:#666;font-size:14px;margin-top:13px;">诉讼费在银行起诉时就应该已经交了，谁承担的问题在和解时双方协商确定，和解结案一般可减半收取。 上述分析供参考，需要具体帮助，建议带材料找律师具体沟通分析。咨询完毕请及时采纳结束咨询。...</p> <p style="text-align: center;"><img src="https://img.hongjibp.com/updata/images/房贷逾期解除合同怎么办房贷逾期了银行起诉解除合同还有商量吗.jpg" title="房贷逾期解除合同怎么办(房贷逾期了,银行起诉解除合同,还有商量吗)" alt="房贷逾期解除合同怎么办(房贷逾期了,银行起诉解除合同,还有商量吗)"></p> </div> </div> </div> </div> </div> </div> <hr> <div class="new-answer bb"> <h3 class="title"> 相关知识 </h3> <div class="inf-list"> <ul class="clearfix"> <div class="xgzsxg"><h4><a href="https://www.hongjibp.com/laws-369920.html" title="贷款逾期达成和解协议(房贷逾期了,银行起诉解除合同,还有商量吗)">贷款逾期达成和解协议(房贷逾期了,银行起诉解除合同,还有商量吗)</a></h4> <span class="xgzs">来源：<a href="https://www.hongjibp.com/article/23">精选知识</a></span> <span class="xgzs">时间：2022-03-29 12:12</span> <p class="xgzsms">和解协议中一般除了撤诉的要求外,还要写明付款后双方债权债务清结再无争议的内容，否则就存在漏洞，原告是否撤诉是他的权力,如果他拒绝撤诉,无法强迫,法院会依法判决,支付的部分只能作为还款冲减了。如果双方达成协议,在付款后甲方不得再起诉追讨,但实...</p></div> <div class="xgzsxg"><h4><a href="https://www.hongjibp.com/laws-1139080.html" title="房贷逾期起诉后协商（房贷逾期起诉后协商）">房贷逾期起诉后协商（房贷逾期起诉后协商）</a></h4> <span class="xgzs">来源：<a href="https://www.hongjibp.com/article/23">精选知识</a></span> <span class="xgzs">时间：2022-06-05 18:44</span> <p class="xgzsms">房贷逾期被起诉的话，客户还是有机会可以补救的，只要在法院受理前将欠款给结清即可，届时银行自然会进行撤诉。而暂时没有能力还清欠款的客户也可以在法院受理前主动联系银行协商还款，先将个人当前暂不具备还款能力的情况给说清楚，表明并非故意逾期不还，然...</p></div> <div class="xgzsxg"><h4><a href="https://www.hongjibp.com/laws-1025263.html" title="逾期供房被法院起诉后 房贷逾期被起诉法院会怎么判">逾期供房被法院起诉后 房贷逾期被起诉法院会怎么判</a></h4> <span class="xgzs">来源：<a href="https://www.hongjibp.com/article/23">精选知识</a></span> <span class="xgzs">时间：2022-05-10 12:26</span> <p class="xgzsms">房贷逾期90天以上，银行会起诉。无论是多长时间起诉，借款人也因即时还款，避免造成逾期。逾期会有今后贷款和办理信用卡有影响，逾期的后果： 1、若一次没有还款，银行将会经过电话或短信的方式通知并提醒按时还款，同时会产生罚息。 2、若连续三次未还...</p></div> <div class="xgzsxg"><h4><a href="https://www.hongjibp.com/laws-1140401.html" title="逾期房贷已交银行还会起诉吗 房贷逾期被起诉,交了逾期的还用做什么">逾期房贷已交银行还会起诉吗 房贷逾期被起诉,交了逾期的还用做什么</a></h4> <span class="xgzs">来源：<a href="https://www.hongjibp.com/article/23">精选知识</a></span> <span class="xgzs">时间：2022-06-06 01:49</span> <p class="xgzsms">建议尽快还款，若是招行贷款，如有消费，请您按时、足额在到期还款日之前还款。首先逾期会生成不良信用记录，影响您的个人信用及以后的信用业务；其次，逾期还款会产生相关费用；最后，长期不归还可能会触犯法律，我行会保留追诉的权利。房贷逾期被起诉了还有...</p></div> <div class="xgzsxg"><h4><a href="https://www.hongjibp.com/laws-1137025.html" title="房贷逾期还了银行仍然起诉(房子逾期还款被银行起诉怎么办)">房贷逾期还了银行仍然起诉(房子逾期还款被银行起诉怎么办)</a></h4> <span 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索要贷款结清证明。同样的办理房贷解除抵押手续，还是需要这个贷款结清证明，证明你的贷款已全部还完。2. 准备解除抵押资料。办理房贷解除抵押的资料比较少，小编就以本住所地为例，一般只需要贷款人的身份证原件及贷款结清证明原件就可以了。3. ...</p></div> <div class="xgzsxg"><h4><a href="https://www.hongjibp.com/laws-1140999.html" title="房贷逾期被起诉解除合同能协商 房贷逾期审判贷款合同被解除">房贷逾期被起诉解除合同能协商 房贷逾期审判贷款合同被解除</a></h4> <span class="xgzs">来源：<a href="https://www.hongjibp.com/article/23">精选知识</a></span> <span class="xgzs">时间：2022-06-06 05:03</span> <p class="xgzsms">房贷逾期被起诉的话，客户还是有机会可以补救的，只要在法院受理前将欠款给结清即可，届时银行自然会进行撤诉。而暂时没有能力还清欠款的客户也可以在法院受理前主动联系银行协商还款，先将个人当前暂不具备还款能力的情况给说清楚，表明并非故意逾期不还，然...</p></div> <div class="xgzsxg"><h4><a href="https://www.hongjibp.com/laws-1086391.html" title="起诉解除合同房屋贷款逾期-房贷逾期开发商解除合同贷款怎么办">起诉解除合同房屋贷款逾期-房贷逾期开发商解除合同贷款怎么办</a></h4> <span class="xgzs">来源：<a href="https://www.hongjibp.com/article/23">精选知识</a></span> <span class="xgzs">时间：2022-05-25 01:27</span> <p class="xgzsms">与你行的借款合同关系与开发商无关！所以你的逾期房贷只能由银行跟你协调！银行扣不扣开发商的定金跟你没关系！开发商不能单方面解除购房合同！贷款买房逾期后银行起诉解除合同后,合同还有效吗你在问什么？合同还有效吗？(1)就房屋买卖合同而言，如果你已...</p></div> 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