The most important measure for a mortgage overdue for one day is to repay it immediately, and you can communicate with the bank staff by phone. Usually banks have a grace period for repayment after one day. If the loan bank that the borrower applies for has a grace period, the borrower can notify the bank, explain the special reasons, apply for a grace period, and repay the loan within the grace period without affecting the personal credit record.

1. First of all, the repayment should be made immediately. Generally speaking, banks will have a grace period. If it is overdue for one or two days, you can inform the bank to explain the situation. If the grace period is returned, personal credit will not be affected.

2. For banks that have no grace period, they should also repay as soon as possible. It is best to notify the bank to deduct money after repayment. Under normal circumstances, one or two short-term overdue will not affect the credit investigation.

The longest loan period is not more than 30 years, and the second-hand housing provident fund loan is not more than 15 years; The loan amount is 70% of the appraised value of the house; The loan interest rate shall be implemented according to the loan interest rate of the same grade in the same period stipulated by the People's Bank of China, and the benchmark annual interest rate shall change according to the loan term. Procedure:

1. The borrower should fill in the Application for Housing Mortgage before the loan, and submit the following supporting materials issued by the bank: the borrower's fixed income certificate issued by the borrower's unit; Credit certification documents such as business license and legal person certificate of the loan guarantor; Legal and valid identity certificate of the borrower; The relevant certificate of the ownership of the house or the certificate that I have the right to the house according to law; Appraisal report, appraisal report and insurance documents of mortgaged real estate; Contracts, agreements or other supporting documents for the purchase and construction of houses; Other documents or materials required by the lending bank.

2. The bank examines the borrower's loan application, purchase contract, agreement and related materials.

3. The borrower shall hand over the title certificate, insurance policy or securities of the collateral to the bank for safekeeping.

4. The borrower and the guarantor of both parties sign the housing mortgage loan contract and notarize it.

5. After the loan contract is signed and notarized, the bank's deposits and loans to the borrower are transferred to the selling unit or building unit specified in the purchase contract or agreement.

6. The loan applicant repays the loan on a monthly basis.