Generally, the mortgage for more than 6 months will be disposed of. According to the regulations of the bank, if it is a 1 term mortgage, the bank will remind itself by phone or text message first. However, if the mortgage is cut off for more than three times in a row, the account manager of the bank will call directly to collect the money and will be deducted. However, if the cumulative number of foreclosures exceeds 6 times, then the bank's lawyers will communicate directly by telephone at this time. If the communication fails, the bank will generally go through legal procedures, and the court will auction the house directly after the appeal. Therefore, after handling the mortgage, we should maintain a stable income as much as possible.

When affected by the epidemic, mortgage loans can be extended without affecting personal credit information. Affected by the epidemic, the income of all walks of life is relatively unstable, and it will be difficult to repay the mortgage. They can apply to the bank for extension or reduction of the loan interest rate. Most banks will agree to applications made by individuals. Those who meet the relevant conditions can also enjoy the care policy. It is best not to take out a mortgage alone when the funds are difficult, which will lead to loans overdue and affect personal credit information. You can cooperate with your family or apply to the bank for an extension.

Legal basis:

Article 7 1 of the general loan conditions

In any of the following circumstances, the lender will charge interest on part or all of the loan; If the circumstances are particularly serious, the lender shall stop paying the unused loan of the borrower and recover part or all of the loan in advance:

1. Failing to use the loan for the purpose specified in the loan contract.

Second, the use of loans for equity investment.

Third, engage in speculative business with loans in securities and futures.

Four, the borrower who has not obtained the qualification of real estate business according to law uses the loan to operate the real estate business; Borrowers who are legally qualified to operate real estate engage in real estate speculation with loans.

Five, not according to the provisions of the loan contract to pay off the loan principal and interest.

6. Borrowing money from each other to obtain illegal income.