After the mortgage loan is overdue, the customer transfers the money to the bound repayment bank card, and the bank will usually deduct the money immediately. Because most banks will generally make additional deductions every day from the next day until the customer fails to repay in full on the repayment date until all the arrears are recovered. Therefore, as soon as the customer pays back the money, the banking system will usually find it immediately and will naturally make the deduction quickly.

If the customer is worried that the bank will not find out after depositing the money, which will lead to a longer overdue period, he can also proactively contact the bank’s customer service after making the transfer to explain that he has repaid the money, so that the other party can deduct the money as soon as possible. payment. Also, it is recommended that customers deposit money during the day. If they transfer money at night, it may affect the system's deduction time.

Of course, it is best for customers to avoid overdue situations and deposit money in advance before the repayment date, so that the bank system can successfully complete the deduction on the repayment date (if the deposit is only made on the repayment date) If the money goes in, the system may miss the deduction time, resulting in failure of repayment).

How long will the mortgage report be retained on the credit report for one day overdue?

After a one-day overdue mortgage is reported to the central bank’s credit report system, it will generally remain on the credit report for at least five years. The system may delete it after it expires, and you cannot apply to delete overdue records manually.

In fact, no matter whether the mortgage is only overdue for one day, or overdue for a week or a month, as long as it is recorded in the credit report, most of it will be retained for five years before it can be deleted by the system. of. There is no situation where the record retention time will be shorter if it is only one day overdue, and the record retention time will be longer if it is several months overdue.

Everyone also needs to note that some banks provide a two- or three-day repayment grace period for home loans. If the bank where the customer applies for a mortgage provides a grace period, then even if the customer fails to repay before the repayment date (inclusive), as long as the customer repays within the grace period after the repayment date, it will not be regarded as overdue.

Of course, if you fail to repay after the grace period, it will still be regarded as overdue and will be reported to the central bank's credit reporting system, leaving a bad credit record in your personal credit report.