Whether the mortgage can be suspended for a period of time mainly depends on the provisions of the lending bank or lending institution. The borrower may apply to the lending bank or lending institution. If the lending bank and lending institution agree to adjust the repayment method in stages, the borrower can suspend the mortgage repayment for a period of time. However, banks and lending institutions usually require borrowers to repay interest and principal later. Of course, the other party generally does not agree easily. If not, the borrower must repay the loan principal and interest on schedule according to the repayment plan.

：

1, precautions for mortgage repayment

Don't be overdue: As long as the borrower knows, as long as you apply for a loan from the bank, the application record will be displayed in your credit report. And after payment is approved, we can't stop paying attention to it. Because the bank will still upload your repayment records to your credit report. If there is overdue repayment or default, then your personal credit will be reflected. It will be more difficult when you want to apply for funds from the bank in the future. In addition, in this credit-oriented society, some companies also attach great importance to personal credit information. If you find that you have a record of overdue repayment, it may have a certain adverse impact on you.

2. Make repayment records: Generally speaking, all repayments after buying a house will be recorded, including the time, amount and progress of your repayment. We'd better check it regularly. Because then you can know the amount of your repayment, how much you have paid and how much you need. Because for many people, they choose mortgage for a long time, so after a long time, many people forget about it. Many people think that when the monthly payment is paid on time and the mortgage is finished, the house will be entirely their own, but it is not. When we pay off the mortgage, we must not forget to cancel the previous mortgage registration, otherwise the house will not belong to you. After all, the so-called loan to buy a house is to mortgage the house in the bank, so after paying off the mortgage, you must go to the bank to go through the relevant procedures.

3. If you don't agree, the borrower must repay the loan principal and interest on schedule according to the repayment plan. In fact, the borrower should contact the bank or lending institution clearly, whether to suspend repayment, or to plan to repay in advance, or temporarily unable to repay. Generally, we can negotiate. If negotiation fails, it's not too late to find another way. Everyone should pay more attention to their own financial situation, maintain a balance between income and expenditure, and avoid the situation of overdue payment and personal credit damage.