30 days. If Jincheng's second payment fails to offset the overdue amount within 30 days, a daily penalty of 1% of the overdue amount will be charged until the overdue payment is completed. If there is malicious overdue behavior, personal credit will be seriously affected. Jincheng Second Mortgage Loan is a mortgage loan product. Consumer financial institutions will conduct risk assessment and credit review on the borrower through personal credit report, income certificate, property certificate and other means.