仙桃李某未能及时还房贷，被银行起诉...
<div class="wx_rich_media_content" id="jsWxContainer"><section style="outline: 0px; max-width: 100%; font-size: 17px; color: rgb(34, 34, 34); letter-spacing: 0.544px; clear: both; min-height: 1em; text-align: center; visibility: visible; font-family: system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif; box-sizing: border-box !important;"><span style="font-size: 16px; letter-spacing: 2px; color: rgb(68, 68, 68); font-family: Tahoma, Helvetica, SimSun, sans-serif;">随着经济形势下行的压力加大</span></section><section style="text-align: center; line-height: 2em;"><span style="letter-spacing: 2px;font-size: 16px;">借款人难以偿还</span><span style="font-size: 16px;letter-spacing: 2px;">借款</span></section><section style="text-align: center; line-height: 2em;"><span style="letter-spacing: 2px;font-size: 16px;">的情形逐年增多</span></section><section style="text-align: center; line-height: 2em;"><span style="letter-spacing: 2px;font-size: 16px;">出现借款人和贷款人两难的局面</span></section><section style="text-align: center; line-height: 2em;"><span style="letter-spacing: 2px;font-size: 16px;">专栏《以案说法》和您共同关注</span></section><section style="text-align: center; line-height: 2em;"><span style="letter-spacing: 2px;font-size: 16px;">一起因购房“断供”而引起的借贷纠纷</span></section><p style="line-height: 2em; text-align: center;"><span style="text-align: start;">https://picapp.jhrx.cn/forum/20220824114005front2_1_446131_loYmtgnK_ePg_KBg8STGgCDh41E6.mp4?162</span></p><section class="channels_iframe_wrp wxw_wechannel_card_not_horizontal"><mpvideosnap class="js_uneditable custom_select_card channels_iframe videosnap_video_iframe" data-pluginname="videosnap" data-id="export/UzFfAgtgekIEAQAAAAAAzvQRMZ4SRwAAAAstQy6ubaLX4KHWvLEZgBPEmIFcUSpfRtSCzNPgMIvAv0EVI8rFAMR-ty229hsF" data-url="https://findermp.video.qq.com/251/20304/stodownload?encfilekey=rjD5jyTuFrIpZ2ibE8T7YmwgiahniaXswqzHkNHWhmRibU54WN7wgyTQ2f7Y2JC91by0iarAZhFJk9fPxpj93Ev4pKDbuHK4FMqUCYRHc9ArFRVeoCP5joafOvg&adaptivelytrans=0&bizid=1023&dotrans=0&hy=SH&idx=1&m=&scene=0&token=x5Y29zUxcibBX3Ku29xricibczMmb9sVfzGtzrZlZJLicotDl471oYJGCoIicBNglxrKdWsyia4mibEiaQI" data-headimgurl="http://wx.qlogo.cn/finderhead/bSb5dSzPn0IEgLWf0hMUqxLRC7WKL44yPJz1LXIgeNcogR6GJEKicVQ/0" data-username="v2_060000231003b20faec8c4e48910c3d6cf07ef32b0776acea095d96c920332f21f2076cf37bd@finder" data-nickname="仙桃电视台" data-desc="以案说法之购房“断供”背后的启示#房产 #买房那些事 #民生关注 " data-nonceid="7319804341964966651" data-type="video" data-width="1080" data-height="1440"></mpvideosnap></section><section data-role="outer" label="edit by 135editor"><section data-role="paragraph"><section data-role="outer" label="edit by 135editor"><section data-tools="135编辑器" data-id="116989"><section style="margin: 20px auto;"><section style="background-color: rgb(247, 252, 245); padding-top: 20px; padding-bottom: 20px; box-sizing: border-box;"><section style="padding-top: 10px;box-sizing: border-box;line-height: 2em;"><section style="display: flex;justify-content: center;"><section><section style="font-size: 16px; color: rgb(61, 171, 108); letter-spacing: 1.5px; padding-right: 20px; padding-left: 20px; box-sizing: border-box;"><span style="letter-spacing: 2px;font-size: 18px;"><strong data-brushtype="text">案件详情</strong></span><strong data-brushtype="text"></strong></section><section style="box-sizing:border-box;max-width: 100% !important;width: 100%;margin-top: 5px;" data-width="100%"><svg version="1.1" xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink" x="0px" y="0px" viewBox="0 0 300 14" style="enable-background:new 0 0 300 14;display:block;"><path style="fill:none;stroke:#fae1d2;stroke-linejoin:round;stroke-miterlimit:10;" d="M0.5,0.5c0,0,68.2,0,129,0c11.5,0,17.7,3.2,20.5,5.2c5,3.5,3,7.8,0,7.8s-5-4.3,0-7.8c3.3-2.3,9-5.2,19.5-5.2 c60.1,0,131,0,131,0"></path></svg></section></section></section></section><section style="padding: 10px 15px;box-sizing: border-box;"><section data-autoskip="1" style="text-align: justify; line-height: 1.75em; letter-spacing: 1.5px; color: rgb(51, 51, 51); background: transparent;"><p style="text-indent: 2em;line-height: 2em;"><span style="font-size: 16px;">2019年7月，市民李某因购买二手商品房资金不足，向某银行申请贷款35万元，贷款期限为15年。但自2020年11月起，</span><strong><span style="font-size: 16px;color: rgb(61, 167, 66);">李某未向银行及时偿还贷款，随后这家银行将李某诉至法院</span></strong><span style="font-size: 16px;">。因为联系不上李某，承办法官将送达告知书张贴在李某居住地门口和所在社区，告知书将有关权利义务、联系方式、可能承担的风险都予以说明。随后，李某母亲主动与承办法官联系，表示</span><strong><span style="font-size: 16px;color: rgb(61, 167, 66);">李某因工作变动，经济出现短暂困难而导致逾期还款</span></strong><span style="font-size: 16px;">。目前李某也在积极想办法履行还款义务，希望法院能从中与银行协商。考虑到李某的实际情况，承办法官迅速与银行沟通，</span><span style="font-size: 16px;color: rgb(61, 167, 66);"><strong>通过延长还款期限和分期付款的方式，最大限度地将还款金额分期到李某可承受的范围内，李某母亲也主动帮助其偿还了拖欠的部分房贷</strong></span><span style="font-size: 16px;">。最终，银行撤回对李某的起诉，案件得到了圆满的解决。</span></p></section></section></section></section></section></section><p style="text-align: center;line-height: normal;"><span style="font-size: 16px;"><span class="wxart_image" wx-style="display:inline-block;width: 455px;height: auto !important;"></span></span></p><section style="line-height: 2em;text-align: center;"><span style="font-size: 16px;"><br></span></section><section style="line-height: 2em;text-align: center;"><span style="font-size: 16px;">从此案的审理过程来看</span></section><section style="line-height: 2em;text-align: center;"><span style="font-size: 16px;">能得到圆满解决很大程度上</span></section><section style="line-height: 2em;text-align: center;"><span style="font-size: 16px;">在于承办法官上门送达了告知书</span></section><section style="line-height: 2em;text-align: center;"><span style="font-size: 16px;">联系上了当事人或其家人</span></section><section style="line-height: 2em;text-align: center;"><span style="font-size: 16px;">做好了双方当事人的调解工作</span></section><section style="line-height: 2em;text-align: center;"><span style="font-size: 16px;">那么当遇到借款人</span></section><section style="line-height: 2em;text-align: center;"><span style="font-size: 16px;">逾期未还银行借款本息被银行起诉时</span></section><section style="line-height: 2em;text-align: center;"><span style="font-size: 16px;">该如何应诉会对自己更有利呢？<br></span></section></section></section><section data-role="outer" label="edit by 135editor"><section data-tools="135编辑器" data-id="116989"><section style="margin: 20px auto;"><section style="background-color: rgb(247, 252, 245); padding-top: 20px; padding-bottom: 20px; box-sizing: border-box;"><section style="padding-top: 10px;box-sizing: border-box;"><section style="display: flex;justify-content: center;"><section><section style="font-size: 16px; color: rgb(61, 171, 108); letter-spacing: 1.5px; padding-right: 20px; padding-left: 20px; box-sizing: border-box;"><span style="letter-spacing: 2px;font-size: 18px;"><strong data-brushtype="text">以案说法</strong></span></section><section style="box-sizing:border-box;max-width: 100% !important;width: 100%;margin-top: 5px;" data-width="100%"><svg version="1.1" xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink" x="0px" y="0px" viewBox="0 0 300 14" style="enable-background:new 0 0 300 14;display:block;"><path style="fill:none;stroke:#fae1d2;stroke-linejoin:round;stroke-miterlimit:10;" d="M0.5,0.5c0,0,68.2,0,129,0c11.5,0,17.7,3.2,20.5,5.2c5,3.5,3,7.8,0,7.8s-5-4.3,0-7.8c3.3-2.3,9-5.2,19.5-5.2 c60.1,0,131,0,131,0"></path></svg></section></section></section><section style="padding: 10px 15px;box-sizing: border-box;"><section data-autoskip="1" style="text-align: justify; line-height: 1.75em; letter-spacing: 1.5px; color: rgb(51, 51, 51); background: transparent;"><section style="font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: normal; line-height: 2em; text-indent: 2em;"><span style="font-size: 16px;">这种金融类纠纷属于民事纠纷，在法律上银行与借款人地位都是平等的。法院处理的核心是为双方当事人解决矛盾纠纷。<span style="color: rgb(61, 167, 66);"><strong>当逾期未还银行借款本息当事人接到法院来电时不要害怕，应当积极应诉，告知法官自己目前的生活情况和还款意见，充分行使自己的诉讼权利</strong></span>。法院也会根据实际情况将调解贯穿诉讼全过程，积极组织双方进行调解，达到案结事了的目的。</span></section><section style="clear: both; min-height: 1em; font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: normal; line-height: 2em; text-indent: 2em;"><span style="font-size: 16px;">法院在受理案件后，首先给双方当事人送达受理案件通知书、应诉通知书、举证通知书、权利义务告知书、传票、廉政监督卡等法律文书。这些文书是告诉贷款人和借款人在诉讼中的一些权利义务。</span><strong><span style="font-size: 16px;color: rgb(61, 167, 66);">只要当事人正确地面对诉讼，积极履行还款义务或达成还款协议，案件以调解方式或银行撤回起诉方式结案对当事人的征信影响较小，对就业、创业、理财等诸多方面也更加有利</span></strong><span style="font-size: 16px;">。</span></section></section></section></section></section></section></section><section data-role="paragraph" style="line-height: 2em;"><section style="text-align: center; line-height: normal;"><br></section><p style="line-height: 2em; text-align: center;"><span style="font-size: 16px;">现实生活中</span></p><p style="line-height: 2em; text-align: center;"><span style="font-size: 16px;">很多当事人都在外地务工</span></p><p style="line-height: 2em; text-align: center;"><span style="font-size: 16px;">送达地址难以确定</span></p><p style="line-height: 2em; text-align: center;"><span style="font-size: 16px;">不方便接收法律文书</span></p><p style="line-height: 2em; text-align: center;"><span style="font-size: 16px;">对此情况法院会如何处理呢？</span></p><section style="text-align: center; line-height: normal;"><br></section><section data-role="outer" label="edit by 135editor"><section data-tools="135编辑器" data-id="116989"><section style="margin: 20px auto;"><section style="background-color: rgb(247, 252, 245); padding-top: 20px; padding-bottom: 20px; box-sizing: border-box;"><section style="padding-top: 10px;box-sizing: border-box;"><section style="display: flex;justify-content: center;"><section><section style="font-size: 16px; color: rgb(61, 171, 108); letter-spacing: 1.5px; padding-right: 20px; padding-left: 20px; box-sizing: border-box;"><span style="letter-spacing: 2px;font-size: 18px;"><strong data-brushtype="text">法律链接</strong></span></section><section style="box-sizing:border-box;max-width: 100% !important;width: 100%;margin-top: 5px;" data-width="100%"><svg version="1.1" xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink" x="0px" y="0px" viewBox="0 0 300 14" style="enable-background:new 0 0 300 14;display:block;"><path style="fill:none;stroke:#fae1d2;stroke-linejoin:round;stroke-miterlimit:10;" d="M0.5,0.5c0,0,68.2,0,129,0c11.5,0,17.7,3.2,20.5,5.2c5,3.5,3,7.8,0,7.8s-5-4.3,0-7.8c3.3-2.3,9-5.2,19.5-5.2 c60.1,0,131,0,131,0"></path></svg></section></section></section><section style="padding: 10px 15px;box-sizing: border-box;"><section data-autoskip="1" style="text-align: justify; line-height: 1.75em; letter-spacing: 1.5px; color: rgb(51, 51, 51); background: transparent;"><p style="clear: both; min-height: 1em; font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: normal; line-height: 2em; text-indent: 2em;"><span style="font-size: 16px;">根据《中华人民共和国民事诉讼法》第八十八条至九十五条的规定，送达方式主要有<strong><span style="color: rgb(61, 167, 66);">直接送达、留置送达、电子送达、委托送达、邮寄送达、转交送达与公告送达</span></strong>。<br></span></p><p style="clear: both; min-height: 1em; font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: normal; line-height: 2em; text-indent: 2em;"><span style="font-size: 16px;">为方便当事人，法院搭建了专门的司法送达平台，送达专员通过电话、短信与当事人联系，以当事人最方便的方式接收法律文书。如果当事人不在本地申请调解的，当事人可使用微信小程序通过人民法院调解平台进行线上调解，既方便又快捷。</span></p></section></section></section></section></section></section><section data-role="paragraph"><p style="line-height: normal;"><br></p></section></section><p style="line-height: 2em; text-align: center;"><span style="font-size: 16px;text-align: justify;">如果当事人接收了法律文书</span></p><p style="line-height: 2em; text-align: center;"><span style="text-align: justify;font-size: 16px;">但拒不还款，</span><span style="font-size: 16px;text-align: justify;">不愿意配合</span></p><p style="line-height: 2em; text-align: center;"><span style="text-align: justify;font-size: 16px;">这样又会有什么法律后果呢？</span></p><section style="text-align: center; line-height: normal;"><span style="text-align: justify;font-size: 16px;"><br></span></section><section data-role="outer" label="edit by 135editor"><section data-tools="135编辑器" data-id="116989"><section style="margin: 20px auto;"><section style="background-color: rgb(247, 252, 245); padding-top: 20px; padding-bottom: 20px; box-sizing: border-box;"><section style="padding-top: 10px;box-sizing: border-box;"><section style="display: flex;justify-content: center;"><section><section style="font-size: 16px; color: rgb(61, 171, 108); letter-spacing: 1.5px; padding-right: 20px; padding-left: 20px; box-sizing: border-box;"><span style="font-size: 18px;"><strong data-brushtype="text">法官说法</strong></span></section><section style="box-sizing:border-box;max-width: 100% !important;width: 100%;margin-top: 5px;" data-width="100%"><svg version="1.1" xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink" x="0px" y="0px" viewBox="0 0 300 14" style="enable-background:new 0 0 300 14;display:block;"><path style="fill:none;stroke:#fae1d2;stroke-linejoin:round;stroke-miterlimit:10;" d="M0.5,0.5c0,0,68.2,0,129,0c11.5,0,17.7,3.2,20.5,5.2c5,3.5,3,7.8,0,7.8s-5-4.3,0-7.8c3.3-2.3,9-5.2,19.5-5.2 c60.1,0,131,0,131,0"></path></svg></section></section></section><section style="padding: 10px 15px;box-sizing: border-box;"><section data-autoskip="1" style="text-align: justify; line-height: 1.75em; letter-spacing: 1.5px; color: rgb(51, 51, 51); background: transparent;"><section style="text-indent: 2em;line-height: 2em;"><span style="font-size: 16px; font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; text-indent: 0px; letter-spacing: 2px;">根据《中华人民共和国民事诉讼法》第一百四十七条规定，被告经传票传唤，无正当理由拒不到庭的，或者未经法庭许可中途退庭的，可以缺席判决，一样对当事人有法律上的约束力。如果借款人拒不还款，在判决文书生效后，银行可以向法院申请强制执行，借款人可能承担财产被查封、扣押、冻结；个人被列入失信名单，限制出境；限制高消费；情节严重的，还可能构成拒不执行判决、裁定罪等不利后果，对自己个人甚至子女上学、子女参军等生活都会产生很大的负面影响。</span></section><section style="text-indent: 2em;line-height: 2em;"><span style="text-indent: 0px;background-color: transparent;letter-spacing: 2px;font-size: 16px;">同时提醒贷款人要根据实际情况量力而行、量入为出，在向银行借款或使用信用卡透支消费后要按时还款，避免在征信、就业、创业、理财、子女上学等方面出现问题。</span></section></section></section></section></section></section></section></section><section style="text-align: center;line-height: normal;"><br></section><p style="text-align: center;"><span style="font-size: 16px;letter-spacing: 2px;">最后</span></p><p style="text-align: center;"><span style="font-size: 16px;letter-spacing: 2px;">提醒相关债务担保人</span></p><p style="text-align: center;"><span style="font-size: 16px;letter-spacing: 2px;">在担保时要考虑自己的能力</span></p><p style="text-align: center;"><span style="font-size: 16px;letter-spacing: 2px;">以及被担保人的信用程度</span></p><p style="text-align: center;"><span style="font-size: 16px;letter-spacing: 2px;">避免因随意担保而把自己套进去</span></p><p style="text-align: center;"><span style="font-size: 16px;"><br></span></p></section></section><section style="text-align: right; outline: 0px; max-width: 100%; clear: both; min-height: 1em; font-size: 17px; color: rgb(51, 51, 51); font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; line-height: 1.5em; box-sizing: border-box !important;">来源：仙桃电视台</section></div><p></p> 这种不是个例的吧 还不上了{:217:}估计还差一堆的网贷信用卡 最终还是啃老，母亲还。 没有钱还的大把 双赢！ 我儿子说他们班小学同学借了他10块钱买零食吃，至今不还，可不可以起诉？ 对与错 发表于 2022-8-24 14:14我觉得你是来说笑的
他儿子说的，口说无凭，立字为据。 估计是资不抵债还不上了然后想卖房子又不能马上脱手，网贷一撸越搞越深
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