Paying off the mortgage two months overdue will have the following effects.

Second, the specific analysis

1, overdue records affect personal credit.

After the mortgage is overdue for two months, the overdue record will not be deleted immediately after it is paid off.

During the period when overdue records are not deleted, overdue records will have a negative impact on personal credit reporting, and the existence of overdue records in credit reporting will lead to poor personal credit reporting.

2. You need to pay extra overdue interest when repaying.

If the mortgage is overdue for two months, the user needs to pay the overdue interest.

Overdue interest is charged according to the number of days overdue. If it is overdue for two months, the bank will charge about 60 days of overdue interest.

A large amount of overdue interest will increase the repayment burden of users, which may cause users to be unable to pay off overdue debts.

As for paying off overdue debts, it also means that the cost of user loans has increased.

3. During the overdue period, a large number of collections were encountered.

After the mortgage is overdue for two months, the overdue debts will be paid off. During the two-month overdue period, users will encounter a large number of collections.

A large number of collection, including SMS collection and telephone collection, will seriously affect the daily life of users.

Friends and relatives have been collected.

After the mortgage is overdue, the bank will first collect the loan from the lender himself.

If I can't receive the money myself, I will call the relatives and friends of the user to collect it.

In these two months, users' relatives and friends will also encounter collection, which will not only affect daily life, but also lead the other party to know that users' mortgages are overdue, thus affecting users' reputation among relatives and friends.

5. Unable to apply for a bank loan.

After the overdue mortgage payment, users will not be able to apply for bank loans until the overdue records are deleted.

One of the application conditions for bank loans is good credit information. After the overdue mortgage arrears are paid off, the overdue records will be automatically deleted after 5 years.

Before the overdue records are deleted, users cannot apply for bank loans.

6. Unable to apply for a credit card.

One of the conditions for applying for a credit card is that personal credit information is good. After paying off the overdue mortgage, the user will resume personal credit investigation after 5 years.

Users will not be able to apply for a credit card until the overdue record is deleted.

7. Being listed as a risk by the bank.

User's mortgage is overdue for two consecutive months. Although the overdue debt was later paid off, it still affected the bank's credit evaluation of users.

If the user has the behavior of continuous overdue mortgage, the bank will list the user as a risk, and then when the user handles the relevant credit business, the audit will be stricter and the probability of passing the audit will be lower.

8, affect the follow-up job search.

There is a record of continuous overdue mortgage in the user's credit report, which also shows that the user's willingness to repay is not strong.

Later, I went to a big company or a big factory to apply for a job, and the other party asked to inquire about the user's personal credit. Once it is found that there are continuous overdue records in the credit information, it will affect the user's job search.

9. Personal credit information will be restored after five years.

The overdue mortgage record will be kept in personal credit information for 5 years from the time of repayment, and will be automatically deleted after 5 years.

Therefore, it will take five years for users to recover their credit information at the earliest.

During this period, if new overdue records are generated, the recovery time of credit information will be postponed later.

10. During the overdue period, the bank card will automatically deduct money.

During the overdue period of the mortgage, the bank will initiate automatic deduction from the repayment bank card every day until the repayment amount is fully deducted.

As long as the bank card has a balance, it will be deducted continuously, and it is difficult to keep the balance in the card.

Online lending big data is a third-party credit inquiry system for lending institutions, which uses big data technology to integrate loan records of various online lending platforms. You can quickly find the problems in your online loan big data in Beijian, accurately and comprehensively query and solve the problems in online loan big data in time.

Third, can you take out the provident fund without buying a house?

If you don't buy a house, employees can also withdraw the housing provident fund.

Because in addition to buying a house, employees can also withdraw the balance from their own provident fund accounts as long as they meet one of the following circumstances.

1, construction, renovation and overhaul of owner-occupied housing;

2. Repay the principal and interest of the housing loan;

3. Houseless households pay rent beyond the prescribed proportion of family income;

4. Migrant workers leave cities;

5. The account moves out of the city;

6, completely lose the ability to work and terminate the labor relationship with the unit;

7. Leave the country and settle down;

8. Retirement/resignation;

9, enjoy the minimum living guarantee or poverty caused by major accidents and major diseases;

10, dead or declared dead.

Eligible employees can bring their personal ID cards and relevant supporting documents (for example, to repay the mortgage, just prepare the mortgage contract and return the bank card, etc. ) and go to the counter of the business outlet of the local housing provident fund management center to find the staff to handle the extraction procedures.

Of course, you can also directly extract it online and go to the online service hall of the local provident fund website.