1, actively communicate with the bank. If the mortgage is overdue, you must contact the bank as soon as possible to explain the reasons for the overdue mortgage, so that the bank can fully understand the situation and avoid unnecessary troubles;

2. Repay overdue loans as soon as possible. In addition to communicating with banks, it is also necessary to repay overdue debts as soon as possible. If there are clauses in the contract that will result in other liquidated damages and late fees, they should also be repaid as soon as possible. If you really can't repay the arrears, you should explain the reasons to the bank first, and then ask for an extension of the repayment period and then repay it as soon as possible. If the mortgage is overdue, whether it is a commercial loan or a provident fund loan, the lending bank will see the overdue information for the first time. Even if it is overdue by one day, some strict banks will enter overdue information into the central bank's credit information system, and the credit information system will have overdue records. It will be very troublesome to apply for a credit card or loan in the future. Even if the loan can be approved, the loan amount will be much lower.

3. Overdue repayment on time. Mortgage is different from credit card. Many bank credit cards have a certain grace period for repayment. As long as the debt is paid off within the grace period of repayment, this overdue information will not be uploaded to the personal credit information. However, once the mortgage is overdue, it will be uploaded to personal credit information as long as it is overdue for one day, which will have an impact on credit information. However, in order to eliminate credit reporting, it is necessary to repay each installment on time, and there can be no overdue situation. After a certain period of time, overdue records will be uploaded.

Legal basis; Article 676 of the Civil Code of People's Republic of China (PRC)

If the borrower fails to repay the loan within the agreed time limit, it shall pay overdue interest in accordance with the agreement or relevant state regulations.