Mortgages can be suspended and extended. If the user cannot repay the loan for special reasons, he can apply to the bank for deferred repayment. After the extension is successful, the loan interest will be calculated normally. When the user repays the loan, the loan interest during the extension period still needs to be paid. And the user's mortgage is overdue, you can apply to the user for negotiated repayment. Regarding whether the mortgage can stop paying interest and postpone repayment, the following is a detailed answer from Bianxiao. com. 1. Can the mortgage be postponed? Mortgages can be suspended and extended. If the user cannot repay the loan for special reasons, he can apply to the bank for deferred repayment. After the extension is successful, the loan interest will be calculated normally. When the user repays the loan, the loan interest during the extension period still needs to be paid. If the user's mortgage is overdue, you can apply to the user for repayment through negotiation. After the negotiation is successful, no overdue interest will be generated during the deferred repayment period, which is an interest loss. Overdue mortgage will produce overdue records. Users had better apply for deferred repayment before the deadline. Successful deferred repayment will not result in overdue records, and users can also strive for more repayment time. As for the overdue mortgage, there will be overdue records and overdue interest. Overdue records and overdue interest cannot be deleted for negotiated repayment. Successful negotiation can only reduce the repayment pressure of users and give users more time to prepare repayment funds. If the user applies for mortgage suspension or deferred repayment, there is a certain probability that it will fail, and the bank will decide whether to approve the user's application according to the actual situation. Two. Mortgage loan 1 Description of prepayment process. Repay the mortgage loan in full in advance: after the loan bank verifies that the relevant information is correct, it will go through the formalities of prepayment of the mortgage loan. 2. Part of the mortgage is repaid in advance, and the loan term remains unchanged: the loan bank instructs the borrower to fill in the relevant agreement. If the original loan guarantee method is mortgage insurance and mortgage registration has not been done, you need to go to the insurance company designated by the city center to go through the formalities of reducing the insured amount with the original policy, your ID card and relevant agreements, and the final agreement should be sent to the corresponding sub-center by the loan bank in time. 3. If the original loan guarantee method is mortgage insurance and mortgage registration has been completed, and the borrower who chooses non-mortgage insurance applies for partial repayment in advance and shortens the loan term: the loan bank instructs the borrower to fill in the relevant agreement, and the signed agreement is sent to the corresponding sub-center by the loan bank in time. 4. The mortgage insurance chosen as the original loan guarantee method is still within the insurance period, and the mortgage registration has not yet been handled: the borrower can apply for partial repayment in advance and shorten the loan period, which can be handled directly at the guarantee center. The above is the related content compiled by Bian Xiao. The mortgage can stop paying interest and postpone repayment. If the user cannot repay the loan for special reasons, he can apply to the bank for deferred repayment. After the extension is successful, the loan interest will be calculated normally. When the user repays the loan, the loan interest during the extension period still needs to be paid. And the user's mortgage is overdue, you can apply to the user for negotiation repayment. If you have other needs, please do one-on-one legal consultation online.