1, deducted some in the morning. If the deposit has not been deducted on the morning of the 20th, it will be too late, and it will show overdue.

2. If the bank deducts money in the afternoon or evening, but you deposited it in the morning of 20th and haven't deducted money yet, it may be that the system will be delayed, sometimes the system maintenance will be delayed, and these two days are also weekends, so it may be that the system maintenance will be suspended.

It is understood that as long as the repayment date arrives at the time of batch deduction, the system will automatically make batch deduction. Insufficient account balance at the time of deduction may lead to the failure of deduction and make the mortgage repayment overdue. Some banks will deduct money from the second batch. If the lender fails to make up the difference, it will be overdue.

Moreover, some banks deduct money on the repayment date, which is divided into two times. If the deduction is made around 8 am and the funds are insufficient, the transfer must be made before noon 12, otherwise it will be recorded as overdue. In other words, if the balance on the repayment date is insufficient, the funds transferred in the afternoon will be regarded as overdue. If the mortgage can't guarantee that the account has enough balance when it is deducted from the bank, it may lead to the record of "overdue repayment".

The consequences of overdue loan failure are:

1, which will result in high overdue penalty interest;

2, will collect;

3. If the borrower still refuses to repay the loan after the judgment of the court, the lender may apply for compulsory execution, and the court will seal up and freeze the property of the person subjected to execution according to law;

4. If the person subjected to execution has the ability to perform and refuses to perform, the court may include the person subjected to execution in the list of untrustworthy persons;

5. If the circumstances are serious, it may constitute the crime of refusing to execute the judgment.

The first paragraph of Article 313 of the Criminal Law of People's Republic of China (PRC) stipulates: If a people's court refuses to execute a judgment or ruling, if the circumstances are serious, it shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or a fine; If the circumstances are especially serious, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than seven years and shall also be fined. If a unit commits the crime mentioned in the preceding paragraph, it shall be fined, and the directly responsible person in charge and other directly responsible personnel shall be punished in accordance with the provisions of the preceding paragraph.