The financial crisis affects repayment ability private loan cases surged nearly 20%

The judge reminded lending best to set property mortgage this newspaper (correspondent Zhengong) the effect of the financial crisis has appeared in many areas, the court from its case found that, in addition to the increase in mortgage disputes, private lending cases also surged 19%.　　This is the news that the reporter obtained from the Xuanwu court today. From January to May this year, the Xuanwu court accepted more than 200 private lending cases, up 19% from a year earlier. This year, the highest which involved of private loan cases has reached 2 million yuan. Some defendants borrowed from the same person on many occasions, while others borrowed from many people. One of the personal loans of about 100,000 yuan in the majority of cases.　　The reason for the bulk of the loan is to buy a house and start a company. A company Mister Zhang is one of the defendants. May 31, 2008, Zhang to relatives and Ms. Li borrowed 250,000 Yuan, agreed to pay 3 months later, but not yet expired. The same year, December 22, Zhang MoU again borrow money, said is 45 days after the must return. Ms. Li again believed that, because of their own money is not enough, to find friends, together 100,000 yuan to him. Prior to this, Zhang also to the other two people to borrow, less a 100,000 yuan a loan, a lot of time to borrow 580,000 yuan. Together with Ms. Li's borrowings amounted to 1.3 million yuan.　　After the deadline, he has been slow to keep his promise. Three creditors were forced to bring civil action.　　Ms. Lee in the prosecution, and friends to pay a ious charges, after the pocket only 300 yuan, not enough for another IOU's lawsuit fee, the judge to understand the truth, give her to handle the slow payment procedure. At the trial, the court will sue Zhang's 4 cases together. Zhang in the court admitted the facts, said temporarily unable to repay, hope the repayment period to relax to six months or a year. The court found that Zhang proposed the return of money too long, not conducive to the protection of the legitimate rights and interests of creditors.　　In accordance with the provisions of the relevant law, the Court decided to repay the arrears within 30th and to freeze a set of housing in accordance with law to safeguard the execution of the judgement. As of the time of the press, the Xuanwu Court has disposed of more than 100 private loan cases, of which the judge settled the case accounted for 58%. Some of the cases that have been adjudicated by the judge have not been substantiated by the defendants ' insistence on denying their arrears on various pretexts. There are also defendants who say they are unable to repay, and that there is no agreement on repayment terms with creditors.　　There is also the fact that defendants are not appearing or unaccounted for.　　In order to effectively protect citizens ' legal borrowing and lending rights, the judge suggested that in addition to asking the borrower to write the IOU, the borrower should also check whether the borrowers have repayment ability, it is best to set up property mortgage, such as mortgage housing, automobile, stock and so on. In addition, in order to ensure the security of the loan, the borrower's identity card should be copied. In the event of a debt failure, the creditor should bring a civil lawsuit within two years of repayment period and request the Court to protect lawful rights and interests. When bringing an action, it is necessary to provide the court with the domicile of the creditor and the exact place of residence, and it is advisable to apply for the protection of the lawsuit in order to protect the creditor's practical interests.