Personal advice:
Before the loan, he was also a lender, so it is necessary to check the qualifications of the lender. If it is the head of the household, the next payment will be easier, because we all know that banks are not specialized catering institutions and need to make profits. If you can't repay it in time, you need to make some compensation. As for the mortgage, we must choose the provident fund loan, which can better reduce our interest, and the mortgage must not be overdue. Once overdue, we need to check our personal credit information. If it is overdue, it will have a great impact on our personal life. I hope everyone can realize this.
Extended data:
Loan notes:
The lender and the borrower shall clearly stipulate the repayment method and repayment plan in the loan contract, and authorize the lender to take the initiative to deduct the loan principal and interest from the account designated by the borrower on the agreed repayment date. If the loan term is within 1 year (including 1 year), the principal and interest of the loan can be repaid monthly or paid off in one lump sum at maturity. If the loan term exceeds 1 year, the borrower shall repay the loan principal and interest on a monthly basis from the second month after the loan is used.
After the loan contract comes into effect, the borrower has sufficient funds and can apply to the lender for partial or full prepayment, and the lender can charge a certain proportion of prepayment amount according to the contract.
If the principal and interest of the loan cannot be repaid within the time limit stipulated in the contract, it shall apply to the lender for extension 30 working days in advance. After the application for extension is examined and approved by China Bank, the borrower and the borrower shall sign an extension agreement. The extension agreement must be agreed in writing by the mortgagor (pledgor) and the guarantor, and the mortgagor (pledgor) shall go through the extension registration and insurance procedures; If the loan is repaid in installments, it may not be extended, but both borrowers and borrowers may negotiate to restructure the loan.