1. The most important measure for overdue mortgage loans is to repay the loan immediately, and you can communicate with bank staff over the phone to discuss overdue issues.

2. If you can no longer repay the loan on time, you should immediately apply to the bank to extend the loan term.

3. The bank will determine the extension time based on your loan term: the extension time for short-term loans cannot exceed the original loan term, the extension for medium-term loans will not exceed half of the original loan term, and the extension for long-term loans It cannot exceed three years.

How to remedy the overdue mortgage loan?

1. Short-term overdue processing: usually occurs due to personal negligence. Not all overdue personal credit reports will be displayed in time. Usually there will be a delay of several days in updating the credit system. Loans What you need to do if you are overdue for a short period of time is to make up the outstanding balance and actively contact and communicate with the bank.

2. Dealing with loans that are overdue for more than three months: It has been shown on the credit report. What you need to do is to pay off the penalty interest in addition to paying off the debt, and maintain a good credit record in the future loan period. Repayment habits and bad credit records will be automatically eliminated after 5 years.

3. Overdue processing due to other unexpected reasons: If you are unexpectedly overdue due to unemployment, illness, going abroad and other reasons, you can go to the bank to issue a non-malicious overdue certificate. The bank will investigate the actual situation, as long as the reason for the overdue is found to be true. , the bank will usually issue a certificate.

4. The loan is overdue: Being overdue means that the overdue credit report is not caused by yourself, but is caused by the malicious behavior of others. At this time, you need to contact the bank to explain the situation, and then submit an objection application to the credit reference center. Generally, such overdue records of non-performing loans can be cleared after 15 working days.

Consequences of an overdue mortgage loan

1. If there is no repayment, the bank will notify you by phone or text message and remind you to repay on time, and penalty interest will be incurred.

2. If the loan is not repaid three times in a row, the bank account manager will initiate collection, and the borrower will also be charged penalty interest.

3. If the number of overdue repayments reaches six or more times, the bank will use legal means to protect its own rights and interests, and the property may be frozen during this period.

4. If the negotiation between the bank and the borrower fails, the bank will auction the mortgaged property through legal procedures.

Methods to solve the problem of mortgage loan repayment

1. Extend the loan period: If you cannot repay the mortgage loan on time according to the original repayment plan, you can apply to the bank to extend the loan period. After the bank approves it, you can sign a deferred repayment agreement. There is usually only one opportunity to apply for deferred repayment, and the maximum extended period cannot exceed 30 years.

2. Apply for a repayment extension: Currently, many bank mortgage loans can be applied for. When the borrower is unable to repay, he can temporarily explain the situation to the bank and apply for a repayment extension. The extension time can be decided by the borrower, but there is a maximum period limit, and extension can usually only be applied for once or twice.

3. If you are really unable to repay your mortgage, you can ask relatives and friends for help to temporarily solve the problem and try not to cut off your mortgage payments. If the loan is suspended for a long time, the house will most likely be auctioned off.

4. If the home buyer is unable to repay the mortgage on time due to changes, he can apply to the lending bank for a loan extension 30 days in advance. After verification by the bank, the mortgage term will be appropriately extended and the monthly payment will be reduced.

5. Finally, there is another way to sell the house. Find an intermediary company to advance the remaining loan (of course the intermediary will charge a certain fee), and then entrust the intermediary to sell the house and earn a certain price difference.