The ways to apply for extension after the loan expires are as follows:
1. Counter application:
The borrower can bring his/her ID card and loan contract to the business hall of the lending institution, submit an application for deferred repayment to the staff, and present relevant information as required, so that it can be handled with their help.
2. Customer service telephone application:
The borrower can call the customer service phone number of the lending institution, and then connect the manual service according to the prompt, and then apply to the staff for deferred repayment, and then provide the ID number and loan contract number.
Extended data:
How to calculate the interest on deferred repayment?
In general, most financial institutions do not charge interest on deferred repayment. If it is only a short delay, it is only allowed once, usually 28 days, and you can apply online.
For example, users of CCB mortgage mainly provide three types of services if they want to apply for deferred repayment. One is a short-term deferred repayment of up to 28 days, which will not be collected during the extension period and will not affect the credit investigation; The second is to adjust the motion plan. According to the epidemic situation in various places, we can adjust the billing plan in stages, reduce the current installment payment, and postpone part of the repayment to next month; The third is to extend the loan term, extend the overall loan term, postpone the maturity date and reduce the installment repayment amount.
How to postpone the mortgage?
If a customer encounters some objective circumstances, which seriously affects his income, he can apply to the bank for delaying the repayment of the mortgage loan. Of course, this requires the approval of the bank. If the customer does not encounter objective circumstances, the mortgage repayment cannot be postponed.
When applying for deferred repayment of mortgage loans, customers need to provide the following information to the bank:
1, personal credit.
2. Proof of unemployment.
3. Proof of income difficulties.
4. Personal assets certificate.
5. Application for deferred repayment.
Banks will carefully examine the qualifications of customers and indeed encounter objective problems. If they have practical difficulties, they can apply for deferred repayment, and the bank will also agree to the customer's request.
Of course, before the formal approval of the bank, customers should be prepared to repay on time. You can borrow money from relatives and friends to repay the loan first. In short, we should try our best to avoid overdue mortgages, because after overdue mortgages, it will have a great impact on customers' credit information, and banks will charge penalty interest and increase customers' debt pressure.
How to apply for deferred repayment of mortgage?
1. How to apply for deferred repayment of mortgage?
The application for deferred repayment of mortgage can be called to the bank staff, and the customer service staff will register the information and then hand it over to the back office or the account manager of the customer's mortgage handling outlet for follow-up; Housing mortgage loan customers can also directly call the business outlets to apply.
For patients who cannot apply in advance under special circumstances, such as intensive care or hospitalization, some banks also accept post-treatment within a certain period of time. Upon application, they can make special treatments such as reducing the penalty interest on loans and restoring credit information during the epidemic prevention and control period. (If the credit information has been submitted, it can be adjusted. )
The Notice on Further Strengthening the Financial Support for Prevention and Control in novel coronavirus appropriately inclines the credit policies of the following four categories of personnel, flexibly adjusts the repayment arrangements of personal credit such as housing mortgage and credit card, and reasonably delays the repayment period:
The first category, hospitalized or isolated patients with new pneumonia;
The second category, epidemic prevention and control needs to isolate observers;
The third category is the staff involved in epidemic prevention and control;
The fourth category is people who have temporarily lost their sources of income due to the epidemic.
How to apply for extension of mortgage repayment?
When the customer is unable to pay the mortgage due to objective circumstances, he can prepare relevant materials and apply to the loan bank for deferred repayment of the mortgage. After reviewing the customer's information, if the bank feels that the customer has really encountered objective reasons, it can agree to the customer's application for delaying the repayment of the mortgage.
Before applying for extension of mortgage repayment, in order to improve the success rate, customers can prepare the following materials:
1, personal credit.
2. Proof of unemployment.
3. Proof of income difficulties.
4. Personal assets certificate.
5. Application for deferred repayment.
Of course, before the bank formally agrees to the customer's request, the customer should be prepared to repay the mortgage on time. You can borrow money from relatives and friends to avoid overdue. Once the mortgage is overdue, the customer needs to bear the corresponding overdue responsibility. For example, the bank will report the customer's overdue situation to the credit bureau and calculate the customer's penalty interest. If there are too many overdue times, the bank has the right to terminate the mortgage contract in advance, which has a great impact.