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刚工作就买150平米大房子?小夫妻房贷断供成被告

2017-08-04 06:04:01   中国青年网

购房当量力,违约不可取。近日,太仓法院审结了一起案件,刚大学毕业不久的小夫妻因未能及时支付银行贷款,被告上法庭。

黄某与周某是一对刚从大学毕业不久的小夫妻,夫妻两人刚工作不久,并无多少积蓄。虽然存款不多,这对小夫妻还是通过银行贷款在市区购买了一套150平米的大房子,房款总价130万,其中100万以贷款的方式支付。

2013年,黄某、周某与房产公司、银行签订了《个人购房担保借款合同》一份,房产公司作为保证人为100万元的贷款提供连带责任保证。此后,银行按约将贷款100万元汇入房产公司账户支付了黄某和周某的购房款。但此后由于周某失业,仅靠黄某一个人的工资除了维持家庭日常花销以外,并不足以归还银行贷款。

自2014年5月起,黄某和周某便停止向银行还款,房产公司作为保证人不得不根据银行的要求代黄某和周某归还了剩余贷款80万元。房产公司代为偿还贷款后,将黄某和周某作为被告起诉至法院,要求两被告支付代偿款80万元。

经法院调解,黄某、周某最终和房产公司达成了调解协议,由黄某、周某分期每月向房产公司归还部分款项,三年内还清,若有一期逾期还款,则黄某、周某还要支付房产公司违约金5万元,且房产公司有权就黄某、周某未履行款项向法院申请强制执行。

法官提醒,近年来楼市火热,受社会整体环境的影响,无论是自住还是投资,很多人对房地产都有着极高的热情。准购房者们在楼市中抓住机遇,适时而动本无可厚非,但在作出购房决策的过程中也要充分评估自身的经济能力,同时对未来的收入和支出也应有所预估,量力而行。否则,为买房而背负巨额债务,轻则会因还贷而导致生活水平极大降低,重则会导致无力偿还贷款而被追究违约责任,最终得不偿失。

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