Bank: I applied for a mortgage loan in your bank on, and I have been paying back on time and strictly fulfilling my repayment obligations. However, in the latest repayment, because I was on a business trip in other places, I couldn't repay the monthly payment in time, and I deposited the arrears in time after I came back from a business trip, which really caused great inconvenience to your work and greatly damaged my personal reputation. Considering the special situation that my arrears are not malicious and I repay them in time afterwards, I hope your bank can give me a discount to lower the loan interest rate this time. I hereby declare that I am deeply sorry for the inconvenience caused to your bank. If the property buyers can't repay the mortgage on time due to accidents, they can apply to the loan bank for loan extension 30 days in advance. After verification, the bank will appropriately extend the mortgage term and reduce the monthly payment. Under normal circumstances, if you don't pay your mortgage on time, the bank will call and write to urge you to pay it back. And there will be late fees during this period, which will accumulate more and more. If you don't repay the loan, the bank will come to your house or send you a lawyer's letter, and then dispose of the house according to the relevant provisions of the contract terms, such as auction. If the house purchased by the lender has not been mortgaged in the housing management department, the loan bank will ask the developer to assume the guarantee responsibility according to the loan contract when you have not paid back for three consecutive months or six months. After the developer repays the remaining loan for you, the developer will repossess the house or auction the house according to the guarantee law. In this case, your economic loss is great, because the price of the house recovered or auctioned is often lower than the price when you first bought the house, and most of the loans you start to repay every month are interest, which means that you haven't paid back much principal, so the result is that after recovery or auction, you may have little left. Therefore, if the mortgage is not repaid, banks and developers have the right to auction your house! In addition, the bigger disadvantage is that your credit in the bank will have a bad record. Once marked, it may be kept for 3 to 7 years. If you want to borrow from other banks in the future, it may be difficult to apply because of bad credit.

2. How to write the loans overdue Information Form?

Bank: I applied for a mortgage loan in your bank on, and I have been paying back on time and strictly fulfilling my repayment obligations. However, in the latest repayment, because I was on a business trip in other places, I couldn't repay the monthly payment in time, and I deposited the arrears in time after I came back from a business trip. It really happened for a reason, which brought great inconvenience to your work and greatly affected my personal reputation. Considering the special situation that my arrears are not malicious and I repay them in time afterwards, I hope your bank can give me a discount to lower the loan interest rate this time. I hereby declare that I am deeply sorry for the inconvenience caused to your bank. . . . . A few tears. Jia Wen year month day

3. How to write a description of loans overdue Provident Fund?

It is to sue the other party as a plaintiff, which is called a civil complaint, and who to sue first, that is, the other party's name, date of birth, address and other basic information; The second part is creditor's rights, that is, what do you think the defendant owes; The third is the facts and reasons, that is, to write down the history of both parties, when it will expire and when it will not be returned. Finally, attach the evidence to it.