第85章 你还是不是我儿子
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银行贷款，就算贷款还不上了，人家也是只收抵押物。
抵押物收走拍卖了，钱自然也就不用还了。
哪里有把抵押物收走之后，还要继续人家还钱的道理？
当然了，也是有这样的情况的，但是那是因为一个抵押物被多方抵押。
比如一套房子，分别被大元银行和大夏银行抵押了。
房子抵押，本就不是按照市场价格抵押的。
一般情况下，都会有一个评估价。
贷款金额，是在评估价上打折的。
比如，一千万的房子，可能只能贷款七百万。
商铺之类的，能贷款的额度更少，可能只有五百万。
甚至还有更低的，四百万，三百万。
有些风控比较松的，就会接受这种二次抵押的抵押物。
但是，一旦出现了问题，比如逾期，那这个抵押物拿去拍卖，拍卖后，很有可能不能足额归还贷款。
这个时候，就有可能继续会让贷款人归还剩余的贷款了。
不过，这是银行的操作。
他们可是私底下的操作。
那套房子，没有任何贷款抵押记录。
而且，房子价值三四百万，他们只要两百万，已经算是打折了。
这种情况下，一旦归还不上，哪里有把房子拿走后，还要还钱的道理？
这根本就是不符合常理的。
“呵呵，小姑，你要知道，这房子原本就是我们的！”
“当初，是我爸赠送给你们的吧？”
“既然是赠送的，那还给我们应该也是应该的吧？”
“而且，小姑父都说了这一次投资是稳拿把攥，肯定不会亏的。”
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