It has expired, which will affect your credit information. I suggest you contact the bank as soon as possible to repay the mortgage as soon as possible.

Extended data:

Mortgage, also known as house mortgage. Mortgage means that the buyer fills in the mortgage loan application form to the bank and provides legal documents such as ID card, income certificate, house sales contract and guarantee letter. The bank promises to grant loans to the buyer after passing the examination, and handle the registration and notarization of real estate mortgage according to the house sales contract provided by the buyer and the mortgage loan contract concluded between the bank and the buyer. The bank directly transfers the loan funds to the seller's account within the time limit stipulated in the contract. Participants in mortgage loans, including commercial banks that provide credit funds, buyers who eventually purchase real estate, and property owners (including developers/second-hand housing owners), also need to participate in the evaluation company and mortgage guarantee company when applying for loans.

If the banking system deducted tens of dollars less than before when repaying the mortgage, it is probably because of the following reasons:

1, the average capital repayment method is chosen for mortgage, so the loan principal is divided equally, and the same principal and interest generated by the remaining loan are paid every month, so the monthly payment is naturally less and less.

2. The mortgage is subject to the floating loan interest rate policy, and the recent repricing cycle has arrived. On the re-pricing date, the bank calculates the new interest rate according to the latest LPR and executes it according to the new interest rate in the new cycle. The new interest rate is lower than the old one, so the monthly mortgage repayment is also reduced.

3. The customer recently repaid part of the mortgage in advance, and then chose to reduce the monthly payment and keep the loan term unchanged, so the banking system deducted less than before.

Last month is the first month of repayment, but the interest is generally calculated according to the actual number of days in the first month. Because the customer's loan date is longer than the first repayment date (longer than the monthly natural date), the first month repayment is more. In this month (the second month), when the repayment is made according to the agreed repayment method, the monthly payment is naturally less than that in the first month.

The mortgage is less than 20, what will happen after more than a week?

If the mortgage is underpaid in 20 yuan, if it is overdue for one week, it will leave an overdue stain on the credit record. However, you only have one time, and the amount is not large, so make it up in time. Therefore, although the credit is tainted, it does not affect the handling of other loans in the future, and then it has been overdue or has not been repaid after the overdue, more than six or seven times, especially continuously. This is more troublesome, and the bank may refuse to lend directly in the future.

It's not a big problem for you to do this once, don't worry, but remember to save money in advance and deduct it from the bank in the future, and don't overdue it again.

How to remedy overdue mortgages will have these consequences.

When buying a house, many people will apply for a loan, and they must repay it on time after handling the loan. There can be no overdue repayment. How can we remedy the lack of mortgage? Do you usually pay attention? Let's introduce the problems that should be paid attention to when repaying the mortgage, so that everyone can avoid it in peacetime.

If the user pays less on the mortgage repayment date, just deposit the missing part into the bank card that pays the mortgage, and the bank will automatically deduct the money, which will not cause overdue. If the mortgage has been low for a long time, banks should remind users that there will be no problem on time.

If the mortgage is small and no remedial measures are taken, the bank will collect it except the penalty interest; If the loan is not repaid for a long time, the bank will upload the overdue record to the credit information center. If personal credit deteriorates, it will affect the handling of various loans, such as car loans and credit loans. If the mortgage is overdue, it will be sued by the bank.

If the mortgage is sued by the bank, it will cause great losses to the borrower. After the general court decides, the house will be sealed up, and then the court will auction it. At this time, the money from the auction will be returned to the bank first, and if there is any surplus, it will be owned by the borrower. This repayment method will cause great losses to borrowers.

In fact, when the mortgage cannot be repaid on time, users can apply for deferred repayment, but if they want to postpone repayment, they need to apply to the bank and get the permission of the bank before they can apply for an extension. Users need to pay a certain fee for delaying repayment.

In order to avoid the situation that the mortgage cannot be repaid on time after handling, it is best to measure your repayment ability before handling the loan and make sure that you can repay on time after handling the loan. Generally, you can only apply for a loan if your personal income is relatively high. If your future income is relatively small, you should be cautious in lending or reduce the loan amount.