Mortgage is different from credit card. There is a grace period for credit card repayment, but not for mortgage. A day late is equivalent to overdue, and there will be overdue records on your credit report.

For example, your mortgage repayment date is the 20th of each month, and the bank will automatically deduct money from your housing provident fund and bank card on that day. If the balance is insufficient and the bank can't deduct money, it means that your repayment has failed.

At this time, you can deposit the money in the card first, and then call the bank and tell it that you can deduct the money. Because after the bank fails to automatically deduct money, it will not automatically deduct money again. So you should take the initiative to call the bank, otherwise the overdue time will be longer and longer, and the interest to be paid will be more and more.

After paying off the arrears, clearly tell the bank about your overdue, tell the bank that you didn't intentionally overdue, sincerely apologize, ask the bank for understanding, and apply to the bank to eliminate overdue records or change bad credit records.

If the mortgage is paid one day late and the arrears are paid late, there will be overdue records in the credit report, but it is actually not great for personal influence.

The bank's mortgage contract clearly stipulates that if the mortgage is overdue for three consecutive times or six times, the bank will take practical measures to collect it, and if the circumstances are serious, it will take legal channels.

Therefore, since you have a mortgage to pay back every month, you must ensure timely repayment. If you can't remember the repayment date, you can mark it on your mobile phone memo or calendar to remind yourself.

It's best not to deposit the money in the bank card, but to pay it back sooner or later. It's best to deposit the money early, so as to avoid the failure of bank deduction due to insufficient balance and the overdue record on your credit information.

Don't think it doesn't matter if you are a day or two late. You must pay back in strict accordance with the provisions of the bank mortgage contract, not to mention a day or two, an hour late will leave a bad credit record in the banking system.

So, pay it back when it's time. It's better to return it early than late. I'd rather return it one day earlier than one day later.

The above is my opinion on "Will a late mortgage payment affect the credibility?" I hope I can help you.