First, under the free repayment mode, there are two modes of operation:

(1) When the borrower repays the overdue personal loan on the repayment date agreed in the contract, he can first inquire the loan amount (sum of the minimum repayment amount) to be repaid on the next repayment date through the call center telephone entrustment system, that is, the borrower repays the loan according to this amount on the next repayment date, and the loan will not be overdue.

(2) In loans overdue, the borrower must make a copy and go to the loan business department to renew the loan. The borrower first applies to the loan business department and agrees on the repayment date. The three workers agreed on the repayment date and asked the sales department to handle the repayment procedures. If the repayment date stipulated in the contract is three working days, the borrower can only go through the overdue formalities in advance on the counter repayment date of each installment, and the borrower should go to the counter seven working days before the repayment date.

Under the principal repayment method, the borrower's repayment of overdue loans is still deducted by the bank through its repayment account, and the borrower does not need to make an appointment to repay overdue loans.

According to the repayment time, it is divided into non-contractual repayment:

(1) The overdue loan data will be transmitted to the bank on the working day before the non-contractual repayment on Wednesday, requiring the bank to deduct the overdue loan on Wednesday. The first three working days and the last three working days of overdue loan or repayment period are not deducted from the overdue repayment date agreed in the contract. New Year's Day, Spring Festival, May Day, 11th and other long holidays, and if it happens on a Wednesday on the first working day after the holiday, it will not be refunded without a contract.

(2) Repayment on the repayment date agreed in the contract: If the borrower fails to repay on the repayment date agreed in the contract, the center will inform the bank of the total overdue amount and the amount payable in the current month on the working day, and the bank will deduct it.

Second, if it is overdue for several months, how can I repay it?

Explain the situation and pay off the arrears. If you have been blacklisted, there is nothing you can do. The mistake is your own.

3. How does loans overdue repay the loan?

For personal loans handled by China Merchants Bank, if the deduction amount is insufficient or the deduction time is missed, repayment can be made in the following ways:

If today is the loan repayment date (excluding overdue loans), you can operate "emergency repayment on the same day";

Online banking and mobile banking support loans overdue's repayment within 90 days (housing loans, consumer loans, lightning loans, small and micro loans, bank loans, etc.). );

Deposit the outstanding funds into the repayment account in full, and wait for the system to make up the deduction automatically every day.