At present, the Chen family is facing a great dilemma.

My father had an accident in the field, not to mention the emptiness of people and money, and left hundreds of thousands of debts.

There are private ones, and there are bank ones.

In order to pay off the debt!

Mother Li Ying sold all the goods and valuable things in the family, and borrowed debts everywhere to tear down the east wall and make up the west wall.

Even so, there is still a hole for 100,000 yuan.

Seeing that the loan is about to be overdue.

They just can't come up with the money.

There is also a house at home, but it is still worth some money, and if it is sold, it will be enough to pay off the loan.

But the house is their only place to stay, and once it is sold, it is homeless.

Chen Yang thought about it carefully.

The house had to be kept, it was their home.

If he had enough time, he could have gone and made some money, but there was really not much time left for them, and seeing that the deadline was coming soon, it was too late to make money now.

After thinking about it, there is only one way.

Chen Yang immediately went to the bank and found Manager Zhao, who had given his father a loan at that time.

"Chen Yang, I also regret your father's affairs. However, breach of contract has become an objective fact, and we can only follow the process. ”

For Chen Yang's arrival, Manager Zhao seems to have been mentally prepared.

Manager Zhao!

Chen Yang said in a low voice: "There is a reason for the breach of contract, and it is beyond human power to resist, in fact, we don't want to do this." I just hope that the bank can give us more time and let us slow down. ”

I'm sorry!

Manager Zhao shook his head and said, "I really can't help with this." ”

The bank also investigated and knew that the Chen family was no longer able to repay.

The longer it drags on, the greater the bank's losses.

"Not negotiable?"

Chen Yang asked.

"I'm sorry, this matter has been submitted to the legal department, and it is no longer under my control."

Manager Zhao couldn't help.

In order to avoid the expansion of losses, they have already prepared the materials and are about to submit them to the court.

"But...... It's not like you're completely out of the question, at least your house is still worth a lot. ”

Manager Zhao changed his words and tactfully mentioned it.

He knew that Chen Yang still had a suite at home, which was on the medicinal herb street, and if he sold it, he could sell it for 150,000 or 60,000 yuan, and it was more than enough to repay the loan.

All right!

Chen Yang nodded and said, "Since you talked about the house, then I will also talk about this house." The house is the joint property of my parents, and it should be half of my mother's, right? ”

It stands to reason that it is!

Manager Zhao nodded.

"Since you have half of my mother's house, you can't take this house. Even if you take it, you can only take half of it? ”

Manager Zhao smiled: "According to the law, if the debtor dies, the spouse also has the obligation to repay the joint debt. ”

He's dealt with a lot of things like that, and he's pretty comfortable with that.

"My dad had an accident and couldn't repay the loan, he didn't mean to default, and it can't be characterized by a simple non-payment of debts, right?"

"How to characterize it is a matter for the courts, and it has nothing to do with us."

Manager Zhao shrugged.

"I've seen your contract and all it has my dad's signature on it. Therefore, the loan from your bank is only my father's personal loan, and it is not a joint debt of the husband and wife. So, my mom is not obligated to pay my dad's debts. ”

"In addition, this house is the only residence of our family and the only income security, do you think the court will award it to your bank entirely?"

Chen Yang asked questions one after another.

Manager Zhao's smile gradually converged, and he also paid attention to the young man in front of him.

This young man is not simple, everything he says is on the point.

There is indeed a loophole in the contract, that is, there is no signature of the woman, which may have been neglected in a hurry at that time.

After all, there are many irregularities in the loan process in this era.

However, this is not a problem, as long as it can be proved that the loan is for business purposes, it is considered a joint debt.

Although there are some troubles in collecting evidence, it is not impossible to solve.

But the last one really stopped Manager Zhao.

If the house is really their only residence and a livelihood guarantee, it is unlikely that the court will award it all to the bank.

After all, Chen Chuan had an accident and was not an old man, and the nature is different, and the court should also consider the basic living needs of his family.

"Young man, is this just wishful thinking on your part?"

Although Manager Zhao said this, he was still a little unsure.

These points mentioned by Chen Yang are objective facts, and it is really troublesome for the bank to completely win the lawsuit.

Manager Zhao!

Chen Yang said calmly: "I just want to tell you, if you really go through the legal process, whether you can take the house is a matter of words." Even if it can be taken away, then only part of it can be taken, who will buy an incomplete house? Even if someone buys it, it's not worth much. Is this account of yours profitable or lost? ”

"You mean you're not going to pay it back?"

Manager Zhao's voice began to turn cold.

Since it doesn't make sense, let's go to court, and the bank's in-house counsel is not dry.

No!

Chen Yang shook his head and said, "I came today to solve this problem. If you go through the judicial process, there are a lot of contradictions. Even if you take some of it in the end, there will still be a shortfall. It's not worth the cost. I have a suggestion to make sure you don't lose anything, and you can earn some interest. You can transfer my father's debt to me, and I will pay it. ”

Are you coming back?

Manager Zhao looked at Chen Yang in surprise, and was a little speechless for a while.

Isn't that a joke?

He had already investigated it before.

The family depends on Chen Chuan to live alone?

Where is the ability to repay?

"Young man, it's not that I underestimate you. Your family is like this, what do you guarantee it? ”

Manager Zhao asked puzzled.

House!

Chen Yang said: "I'll take the house back." ”

What's that?

Manager Zhao's head didn't turn for a while?

How to go around and go back to square one.

"That's right, Manager Zhao." Chen Yang explained: "If you are willing to transfer the debt to me, I will use my house as collateral. For a house of 150,000 or 60,000 yuan, at least 1120,000 yuan can be loaned, and my father's debt can be repaid. Next, I repay the loan in installments, and the pressure is less. If you can't do it, you can just take the house. ”

This is the only way he can think of to keep his house at the moment.

Borrowing new debts and paying off old debts?

Commercial loans become installment repayment business.

Dead accounts become living accounts.

Manager Zhao's heart moved, carefully pondered this method, and found that it was really feasible.

As Chen Yang said before, if the two sides really go through the legal process, they may not be able to get it all.

After all, it's a hassle to get rid of the.

What's the point of getting some of it?

In fact, going through the legal process is only a last resort.

Until the last minute, the bank is not going to do so.

In fact, they hope that Chen Yang's family will take the initiative to buy the house and repay the loan.

Everyone's two pennies.

However, Chen Yang provided another idea.

If you follow this line of thinking, both of these things can be easily solved.

First of all, the debt can be paid off, and there will be no bad debts.

Secondly, if Chen Yang takes the initiative to use the house as a mortgage, there will be no property rights disputes, and the bank can earn some interest. Even if he doesn't pay it yet, the bank can take the house at any time and won't lose money.

After weighing the pros and cons, Manager Zhao suddenly had a plan.

He knocked on the table and asked seriously, "Can you call the shots in this house?" ”

Yes!

Chen Yang nodded and said, "When the time comes, my mother and I will sign." I took out a loan, she guaranteed it, now you should rest assured. ”

Good!

Manager Zhao slapped the table and said with a smile: "I'll report to the leader immediately." But there shouldn't be any problem. Come over in the afternoon, and we'll solve this problem as soon as possible. ”

This matter is also good for Manager Zhao.

Bad debts become good debts, one business becomes two businesses, and there is no loss.

Thank you, Manager Zhao!

Chen Yang had a smile on his face.

The reason why he talked so much was to tell the bank that if the bank really went through the legal process, it would be a lose-lose outcome.

If they consider their own options, it will be a win-win.

It's clear that Manager Zhao is a smart guy and knows what to do.

It's done!