One month after the mortgage was forgotten:

(1) The grace period stipulated in the contract is only a few days. At this time, the grace period rule is not applicable, and the late payment fee is paid according to the regulations;

(2) After the payment is overdue, contact the loan bank in time to explain the situation;

③ One or two short-term overdue will not affect the credit history;

(4) If the loan is overdue for many times, the bank may collect the loan and record the bad credit.

Theoretically speaking, it is impossible to repay the mortgage that is in arrears for one month, because the payer has not contacted the loan bank to negotiate repayment, and the extension of the mortgage has passed, which is regarded as a breach of contract. In fact, some banks allow borrowers to pay monthly repayment and late fees after the borrowers explain the situation.

If the borrower forgets to repay the mortgage for one month, he needs to contact the staff of the loan bank to explain the situation. If the staff says that the payer can pay the late payment fee and monthly payment, they can deposit the funds into the mortgage repayment card. If the staff says that the monthly payment will not be made up, the repayment person cannot make up the monthly payment.

Usually, when the mortgage loan is interrupted for one month, the loan bank will ask the repayment person to pay off all the outstanding mortgage loans in one lump sum. If the loan bank does not require the repayment person to pay off all the outstanding mortgage loans at one time, that is, there is a situation that can be repaid, the repayment person should contact the loan bank as soon as possible to repay the monthly payment and the late payment fee.

The monthly payment and late payment fee can be supplemented, but the overdue record has been uploaded to the personal credit information system of China People's Bank by the loan bank one month after the mortgage was interrupted.

Precautions for mortgage repayment:

1, everyone must remember to repay on time, and there can be no overdue phenomenon, otherwise it will have a great impact on their credit. Once your credit is affected, it is not easy to apply for a loan in the future.

2. Try to choose a suitable time when applying, and the monthly repayment amount should not be too high, otherwise it will bring you great economic pressure, and there may be insufficient funds for repayment.

Legal basis:

civil law

Article 667 A loan contract is a contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.

Article 668 A loan contract shall be in written form, except as otherwise agreed between natural persons.

The contents of a loan contract generally include terms such as loan type, currency, purpose, amount, interest rate, term and repayment method.

Article 669 When concluding a loan contract, the borrower shall, at the request of the lender, provide the true information about the business activities and financial status related to the loan.

Article 670 Interest on a loan shall not be deducted from the principal in advance. If the interest is deducted from the principal in advance, the loan will be repaid according to the actual loan amount and the interest will be calculated.

Article 671 Where the lender fails to provide the loan on the agreed date and amount, thus causing losses to the borrower, it shall compensate for the losses.