Not necessarily. If there is a grace period stipulated in the contract, the overdue loan of ABC for one day will not affect the credit granting. If there is no grace period stipulated in the contract, the overdue record will be reported to the credit bureau if the loan of Agricultural Bank of China is overdue by one day, so the credit bureau will have one more overdue record.

It is very important for users to repay their mortgages on time. Once overdue, it will increase the difficulty of applying for credit business in the later stage. Moreover, banks pay more attention to loans overdue's mortgage, and users will not repay their loans for a long time, and may even auction their houses to pay off their debts.

How long is the grace period for repayment of ABC mortgage?

Agricultural bank loans generally have a two-day grace period. If it is found overdue, please pay off all the current arrears in time, and call the customer service phone of Agricultural Bank in time to delete the bad records after applying.