房贷断供，张某、李某、王某被告上仙桃法院
<div class="wx_rich_media_content" id="jsWxContainer"><section><mp-common-profile class="js_uneditable custom_select_card mp_profile_iframe" data-pluginname="mpprofile" data-weui-theme="light" data-id="MzA5MDEwNjgwOQ==" data-headimg="http://mmbiz.qpic.cn/mmbiz_png/bfOudia0OnxsJZR3ImEQ6Z6tCNN9SsA4zkmUMic7vFVFm4Ce4p7oK7CQjW17FpIILC5icA0EetmEh62fnpVctyCeA/0?wx_fmt=png" data-nickname="红辣椒传媒" data-alias="xtweekly" data-signature="红辣椒传媒是《仙桃周刊》新媒体品牌。我已加入“维权骑士”(rightknights.com)的版权保护计划。" data-from="0" data-is_biz_ban="0"></mp-common-profile></section><p><br></p><section style="margin-bottom: unset;"><section><section style="margin: 20px auto;"><section><section style="padding-right: 10px;padding-left: 10px;box-sizing: border-box;"><section data-width="60%" style="margin-right: auto;margin-left: auto;box-sizing: border-box;width: 334.797px;height: 6px;background-color: rgb(194, 131, 75);overflow: hidden;max-width: 60%;"><br></section><section style="padding: 4px;border-width: 1px;border-style: solid;border-color: rgb(194, 131, 75);box-sizing: border-box;"><section style="background-color: rgb(250, 249, 246);"><section data-width="45%" style="margin-right: auto;margin-left: auto;padding-top: 10px;padding-bottom: 10px;box-sizing: border-box;width: 246.594px;max-width: 45%;"><section data-width="100%" style="box-sizing: border-box;width: 246.594px;height: 0px;overflow: hidden;max-width: 100%;"><br></section></section><section style="padding: 10px 15px 20px;box-sizing: border-box;"><section style="line-height: 1.75em; letter-spacing: 1.5px; background: transparent;"><p style="vertical-align: inherit;text-indent: 2em;line-height: 1.75em;"><span style="font-size: 17px;">近日，仙桃法院金融审判团队发挥庭前调解机制，</span><span style="font-size: 17px;text-indent: 2em;background-color: transparent;caret-color: red;">成功促成多起金融借款纠纷案的原被告达成和解。</span></p></section></section></section></section></section><section style="margin-top: -20px;display: flex;justify-content: flex-end;"><section style="box-sizing: border-box; width: 45px; height: 27px;"><section style="box-sizing: border-box;width: 30px;height: 15px;background-color: rgb(250, 249, 245);overflow: hidden;"><br></section></section></section><section style="margin-top: -25px;display: flex;justify-content: flex-end;"><section style="box-sizing: border-box;width: 45px;"><span class="wxart_image" wx-style="display:inline-block;vertical-align: inherit;box-sizing: border-box;width: 45px;display: block;"></span></section></section></section></section></section><section><section style="margin: 20px auto;"><section><section style="display: flex;justify-content: center;"><section><section style="margin-right: auto;margin-left: auto;box-sizing: border-box;width: 30px;height: 30px;background: linear-gradient(rgb(252, 209, 155), rgb(255, 253, 249));border-radius: 100%;flex-shrink: 0;overflow: hidden;"><br></section><section style="margin-top: -20px;padding-right: 6px;padding-left: 6px;color: rgb(155, 72, 39);text-align: center;letter-spacing: 1.5px;font-size: 18px;box-sizing: border-box;"><strong data-brushtype="text">案情回顾</strong></section></section></section><section style="margin-top: -13px;padding-top: 20px;padding-bottom: 15px;border-width: 1px;border-style: solid;border-color: rgb(194, 131, 75);box-sizing: border-box;"><section style="padding: 5px 15px 15px;box-sizing: border-box;"><section style="line-height: 1.75em; letter-spacing: 1.5px; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><section style="margin-bottom: 8px;vertical-align: inherit;text-indent: 2em;line-height: 1.75em;"><span style="font-size: 17px;">2013年，张某、李某、王某等人分别向仙桃某银行（以下简称银行）借款用于购买房屋，约定每月20日前偿还借款。但自2021年12月起，三人均未按期还款，银行多次催讨未果，遂向仙桃法院提起诉讼。</span></section><section style="text-align: center;text-indent: 0em;"><span class="wxart_image" wx-style="display:inline-block;vertical-align: inherit;box-sizing: border-box;width: 546px;"></span><span style="font-size: 17px;text-indent: 2em;text-align: justify;"></span></section></section></section></section></section></section></section><section><section style="margin: 20px auto;"><section style="padding-top: 25px;padding-right: 15px;padding-left: 15px;border-left: 1px solid rgb(182, 154, 130);border-top: 1px solid rgb(182, 154, 130);border-radius: 15px 0px 0px;box-sizing: border-box;"><section style="line-height: 1.75em; letter-spacing: 1.5px; color: rgb(80, 73, 67); background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><p style="vertical-align: inherit;text-indent: 2em;line-height: 1.75em;"><span style="font-size: 17px;">受理该案后，承办法官吴兆科与两名当事人取得联系，经过释法说理、分析利弊，两人主动偿还借款。因无法联系上当事人张某</span><span style="font-size: 17px;text-indent: 2em;caret-color: red;">，吴兆科法官遂走访张某所在地村委会。在工作人员的协助下，与张某取得联系。张某反映，目前在外务工，经济较为困难，希望法官能主持调解。</span></p></section></section></section></section><section draggable="true"><section style="margin: 10px auto;"><section style="display: flex;justify-content: flex-start;"><section><section style="box-sizing: border-box;width: 0px;height: 1px;border-top: 6px solid rgb(254, 193, 52);border-left: 6px solid transparent;overflow: hidden;"><br></section></section></section><section data-op="division" style="margin-top: -6px;margin-left: 6px;display: flex;justify-content: space-between;align-items: flex-start;"><section data-width="49%" style="box-sizing: border-box;width: 280.266px;max-width: 49%;"><span class="wxart_image" wx-style="display:inline-block;padding: 4px;height: 219px;vertical-align: inherit;box-sizing: border-box;border-width: 1px;border-style: solid;border-color: rgb(151, 152, 153);background-color: rgb(255, 255, 255);border-radius: 0px;width: 270px;"></span></section><section data-width="49%" style="box-sizing: border-box;width: 280.266px;max-width: 49%;"><span class="wxart_image" wx-style="display:inline-block;padding: 4px;height: 219px;vertical-align: inherit;box-sizing: border-box;border-width: 1px;border-style: solid;border-color: rgb(151, 152, 153);background-color: rgb(255, 255, 255);border-radius: 0px;width: 279px;"></span></section></section></section></section><section><p><br></p></section><section><section style="margin: 20px auto;"><section style="padding-top: 25px;padding-right: 15px;padding-left: 15px;border-right: 1px solid rgb(182, 154, 130);border-top: 1px solid rgb(182, 154, 130);border-radius: 0px 15px 0px 0px;box-sizing: border-box;"><section style="line-height: 1.75em; letter-spacing: 1.5px; color: rgb(80, 73, 67); background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><p style="margin-bottom: 10px;vertical-align: inherit;text-indent: 2em;line-height: 1.75em;"><span style="font-size: 17px;">得知该情况后，吴兆科法官当即与银行进行沟通。由于张某身处外地，为减轻当事人诉累，吴兆科法官通过人民法院调解平台，组织双方进行线上调解。经过多次协商沟通，张某将逾期未偿还的借款汇至银行账户，并承诺后期会按时偿还剩余房贷，银行自愿申请撤诉，案件得到圆满解决。</span></p><p style="vertical-align: inherit;line-height: 1.75em;text-indent: 0em;"><span style="font-size: 17px;"><span class="wxart_image" wx-style="display:inline-block;height: 479px;vertical-align: inherit;box-sizing: border-box;width: 547px;"></span></span></p><p style="vertical-align: inherit;text-indent: 2em;line-height: 1.75em;"><br></p></section></section></section></section><section><section style="margin: 20px auto;"><section style="transform-style: preserve-3d;"><section style="padding: 20px 15px;border-width: 1px;border-style: solid;border-color: rgb(182, 154, 130);transform: translateZ(5px);-webkit-transform: translateZ(5px);-moz-transform: translateZ(5px);-ms-transform: translateZ(5px);-o-transform: translateZ(5px);"><section style="line-height: 1.75em; letter-spacing: 1.5px; color: rgb(80, 73, 67); background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><p style="margin-bottom: 10px;vertical-align: inherit;text-indent: 2em;line-height: 1.75em;"><span style="font-size: 17px;">三起案件高效圆满化解后，原告代理律师向法院干警发来信息表示感谢。</span></p><p style="text-align: center;vertical-align: inherit;line-height: 1.75em;text-indent: 0em;"><span style="font-size: 17px;"><span class="wxart_image" wx-style="display:inline-block;height: 263px;vertical-align: inherit;box-sizing: border-box;width: 243px;"></span></span></p></section></section><section style="margin-top: -13px;padding-right: 30px;display: flex;justify-content: flex-end;transform: translateZ(10px);-webkit-transform: translateZ(10px);-moz-transform: translateZ(10px);-ms-transform: translateZ(10px);-o-transform: translateZ(10px);"><section data-width="20%" style="box-sizing: border-box; width: 109.594px; max-width: 20%;"><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 0 100 15"><polygon style="fill:#b69a82;" points="14.8,0.7 0.7,15 0,14.3 14.1,0 "></polygon><polygon style="fill:#b69a82;" points="27,0.7 12.9,15 12.2,14.3 26.3,0 "></polygon><polygon style="fill:#b69a82;" points="39.2,0.7 25,15 24.3,14.3 38.5,0 "></polygon><polygon style="fill:#b69a82;" points="51.3,0.7 37.2,15 36.5,14.3 50.6,0 "></polygon><polygon style="fill:#b69a82;" points="63.5,0.7 49.4,15 48.7,14.3 62.8,0 "></polygon><polygon style="fill:#b69a82;" points="75.7,0.7 61.5,15 60.8,14.3 75,0 "></polygon><polygon style="fill:#b69a82;" points="87.8,0.7 73.7,15 73,14.3 87.1,0 "></polygon><polygon style="fill:#b69a82;" points="100,0.7 85.9,15 85.2,14.3 99.3,0 "></polygon></svg></section></section></section></section></section><section><section style="margin: 20px auto;"><section><section style="display: flex;justify-content: center;"><section style="display: flex;justify-content: center;align-items: center;transform-style: preserve-3d;"><section style="margin: auto;box-sizing: border-box;background-position: initial;background-size: initial;background-repeat: initial;background-attachment: initial;background-origin: initial;background-clip: initial;width: 100px;height: 100px;border-radius: 100%;flex-shrink: 0;display: flex;justify-content: center;align-items: center;transform: translateZ(5px);-webkit-transform: translateZ(5px);-moz-transform: translateZ(5px);-ms-transform: translateZ(5px);-o-transform: translateZ(5px);"><section style="box-sizing: border-box; width: 60px; height: 60px; flex-shrink: 0; border-radius: 100%; overflow: hidden;"><br></section></section><section style="margin-left: -50px;transform: translateZ(10px);-webkit-transform: translateZ(10px);-moz-transform: translateZ(10px);-ms-transform: translateZ(10px);-o-transform: translateZ(10px);"><section style="padding-top: 5px; padding-bottom: 5px; font-size: 20px; text-align: right; letter-spacing: 1.5px; border-bottom: 1px solid rgb(182, 154, 130); box-sizing: border-box;"><strong data-brushtype="text">法官说法</strong></section><section style="margin-top: -2px;display: flex;justify-content: flex-end;"><section style="box-sizing: border-box;width: 45px;height: 3px;background-color: rgb(182, 154, 130);overflow: hidden;"><br></section></section></section></section></section><section style="margin-top: 25px;border-top: 1px solid rgb(182, 154, 130);border-right: 1px solid rgb(182, 154, 130);border-radius: 0px 25px 0px 0px;box-sizing: border-box;"><section style="padding-top: 20px;padding-right: 20px;box-sizing: border-box;"><section data-width="100%" style="box-sizing: border-box;width: 557px;max-width: 100%;"><section><section style="margin: 10px auto;"><section data-width="100%" style="box-sizing: border-box;overflow-y: auto;height: 400px;width: 557px;display: inline-block;max-width: 100%;"><section style="box-sizing: border-box;"><section style="box-sizing: border-box; line-height: 1.75em; letter-spacing: 1.5px;"><p style="text-align: center;"><span class="wxart_image" wx-style="display:inline-block;vertical-align: inherit;box-sizing: border-box;width: 438px;"></span></p><p>《中华人民共和国民法典》第五百零九条第一款 当事人应当按照约定全面履行自己的义务。</p><p>《中华人民共和国民法典》第五百六十三条 有下列情形之一的，当事人可以解除合同：</p><p>（一）因不可抗力致使不能实现合同目的；</p><p>（二）在履行期限届满前，当事人一方明确表示或者以自己的行为表明不履行主要债务；</p><p>（三）当事人一方迟延履行主要债务，经催告后在合理期限内仍未履行；</p><p>（四）当事人一方迟延履行债务或者有其他违约行为致使不能实现合同目的；</p><p>（五）法律规定的其他情形。以持续履行的债务为内容的不定期合同，当事人可以随时解除合同，但是应当在合理期限之前通知对方。</p></section></section></section></section></section></section></section></section></section></section></section><section><section style="margin: 20px auto;"><section style="transform-style: preserve-3d;"><section style="padding: 20px 15px;border-width: 1px;border-style: solid;border-color: rgb(182, 154, 130);transform: translateZ(5px);-webkit-transform: translateZ(5px);-moz-transform: translateZ(5px);-ms-transform: translateZ(5px);-o-transform: translateZ(5px);"><section style="line-height: 1.75em; letter-spacing: 1.5px; color: rgb(80, 73, 67); background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><p style="vertical-align: inherit;text-indent: 2em;line-height: 1.75em;"><span style="font-size: 17px;">本案中借款人逾期还款后，及时补交欠款并再无逾期行为，违约行为较为轻微，贷款合同虽不予解除，但借款人仍构成违约，故仍应向银行支付逾期还款的利息及罚息。</span></p></section></section><section style="margin-top: -13px;padding-right: 30px;display: flex;justify-content: flex-end;transform: translateZ(10px);-webkit-transform: translateZ(10px);-moz-transform: translateZ(10px);-ms-transform: translateZ(10px);-o-transform: translateZ(10px);"><section data-width="20%" style="box-sizing: border-box; width: 109.594px; max-width: 20%;"><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 0 100 15"><polygon style="fill:#b69a82;" points="14.8,0.7 0.7,15 0,14.3 14.1,0 "></polygon><polygon style="fill:#b69a82;" points="27,0.7 12.9,15 12.2,14.3 26.3,0 "></polygon><polygon style="fill:#b69a82;" points="39.2,0.7 25,15 24.3,14.3 38.5,0 "></polygon><polygon style="fill:#b69a82;" points="51.3,0.7 37.2,15 36.5,14.3 50.6,0 "></polygon><polygon style="fill:#b69a82;" points="63.5,0.7 49.4,15 48.7,14.3 62.8,0 "></polygon><polygon style="fill:#b69a82;" points="75.7,0.7 61.5,15 60.8,14.3 75,0 "></polygon><polygon style="fill:#b69a82;" points="87.8,0.7 73.7,15 73,14.3 87.1,0 "></polygon><polygon style="fill:#b69a82;" points="100,0.7 85.9,15 85.2,14.3 99.3,0 "></polygon></svg></section></section></section></section></section><section><section style="margin: 10px auto;display: flex;justify-content: center;"><section><p style="outline: 0px; max-width: 100%; color: rgb(34, 34, 34); font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; box-sizing: border-box !important;"><span style="outline: 0px; max-width: 100%; box-sizing: border-box; color: rgb(136, 136, 136);"><br></span></p><p style="outline: 0px; max-width: 100%; color: rgb(34, 34, 34); font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; box-sizing: border-box !important;"><span style="outline: 0px; max-width: 100%; box-sizing: border-box; color: rgb(136, 136, 136);">来源：仙桃市人民法院</span></p><p style="outline: 0px; max-width: 100%; color: rgb(34, 34, 34); font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; box-sizing: border-box !important;"><span style="outline: 0px; max-width: 100%; box-sizing: border-box; color: rgb(136, 136, 136);"><br></span></p><p style="outline: 0px; max-width: 100%; color: rgb(34, 34, 34); font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; box-sizing: border-box !important;"><span style="outline: 0px; max-width: 100%; box-sizing: border-box; color: rgb(136, 136, 136);"><br></span></p><p style="outline: 0px; max-width: 100%; color: rgb(34, 34, 34); font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; box-sizing: border-box !important;"><span style="outline: 0px; max-width: 100%; box-sizing: border-box; color: rgb(136, 136, 136);"><br></span></p><p style="outline: 0px; max-width: 100%; color: rgb(34, 34, 34); font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; box-sizing: border-box !important;"><br></p></section></section></section></section></div><p></p> 确实很圆满 所以说千万别做房奴。 还是把钱还了，不还还不是敲死 买房，量力而行 {:225:}还以为破产保护呢！搞半天是有钱不还
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