1. Is the mortgage overdue for three days?
1, yes, this is because the repayment date is three days late, but in general, 1 is still delayed to three days, so if you return it within the repayment date to the third day and explain the situation to the bank, it will not be recorded in the credit investigation. However, it should be noted that once such incidents occur more than three times, they will be recorded, so they must be returned in time.
Under normal circumstances, whether for objective reasons or subjective reasons, the bank will call you to remind you if you don't pay it back when it is due. In some cases, there may be a penalty interest, but each family has different regulations on this. Generally, it is 30% to 50% on the basis of the original interest. It can also be seen that overdue behavior is very serious and must be returned in time.
Second, what are the precautions for applying for a mortgage?
1. Attention should be paid to the completeness of materials and certificates, because incomplete documents will be notified during examination and approval, which will prolong the application time, so relevant materials should be prepared in advance before application, so as not to reduce the waiting time later.
2. If there are overdue records, it is difficult to apply again. At this time, if the time does not exceed one month, it can be proved that it is not maliciously overdue. In addition, the risk of bank lending can also be reduced through the running account of funds, such as large deposits, RV real estate, investment certificates and so on. Can increase the chances of passing.
Summary: In addition, we should pay attention to the number of years and the amount of application, which is generally related to our own economic conditions. If we pay more down payment, the application risk will be less. The above is about whether the mortgage is overdue for three days and the precautions for applying for a mortgage. I hope the above content can help you. Please continue to pay attention to our website for more information, and more exciting content will be presented to you later.