First, the mortgage is one day overdue.
If you can't turn over the funds in the current period or these days, you can call the bank in advance to get an extension, and then raise the money and return it within this period. You won't be overdue.
Reminder:
1. Not all banks have a grace period, and the length of time is different, which may affect personal credit information. However, this kind of bad record is different from malicious overdue, and it belongs to a good willingness to repay, but it is temporarily unavailable for objective reasons. However, this method can only be used once. Banks that often apply for extension will think that you have financial problems and may risk becoming a non-performing loan.
2. If you repay the loan one day after the repayment date, you should pay back the money immediately, and then call the bank to communicate the overdue problem, such as explaining why you forgot to repay the mortgage. If the time is only 1-3 days, the circumstances are not serious. I hope the bank can consider it as appropriate and not to hang up the account.
Second, I forgot to pay the mortgage.
If the mortgage is not repaid for a long time, the first thing the bank does is to contact the lender by SMS. If you think of this at this time, you should repay the loan immediately and pay the liquidated damages, and explain the reasons for the long-term non-repayment with a good attitude, because at this time, the breach of contract has become a fact, even if it will leave a bad record and generate a penalty interest, it is also helpless. As long as the corresponding money is repaid, the bank will not take more serious measures against you.
If you forget to pay the mortgage six times or more in a row, the bank will sue you and the house will be frozen. If you can't pay back the money at this time, you have to deduct not only the principal and interest of the mortgage, but also the related expenses of prosecution and the travel expenses of bank staff, which is quite uneconomical.
Reminder:
1. The mobile phone number of the loan left by the bank should be kept open at all times. If you change your phone number, you should tell the bank in time. In case you forget to repay the mortgage, you can't receive the dunning text message or the phone call from the bank, the bank will think that the lender has lost contact, which will aggravate the seriousness of overdue mortgage.
If you really can't pay the mortgage, you must find a way to sell the house, pay the mortgage as soon as possible, and still keep some. You can apply for a loan to buy a house if you have the financial ability in the future. Don't drag it into the prosecution.
The consequences of forgetting to pay the mortgage are not so serious. The biggest fear is to forget again that the penalty interest can be solved with money. If it affects your personal credit, it is an intangible loss and the consequences will be very serious. It will be difficult to get a card with a loan in the future.