Mortgage loan refers to the loan that the borrower obtains from the bank with certain collateral as guarantee. It is a form of bank lending, and the collateral usually includes securities, China bonds, various stocks, real estate, bills of lading, warehouse receipts or other documents that prove the ownership of goods. When the loan expires, the borrower must return it in full, otherwise the bank has the right to dispose of the collateral as compensation.
The mortgage lender will directly remit the funds to the published designated supervision account, and then the designated supervision account will transfer the funds to the developer. Lenders do not need to go to the bank during the whole loan process, but only need to wait patiently for the bank to lend money. In addition, the time of mortgage lending is generally around 7 days, but it does not rule out other reasons that lead to the delay of mortgage lending. Delaying mortgage has no effect on the user's loan to buy a house. After all, the mortgage contract has been signed. If the bank does not lend money, it is a unilateral breach of contract by the bank.
What if the mortgage is overdue without notice?
If the bank didn't give notice when the mortgage was issued, and didn't know how to repay it, so that there was no money in the card when the bank deducted the monthly payment from the repayment bank card next month, which led to overdue, then the customer can contact the bank to explain the situation and pay off the overdue debt quickly. If the bank fails to report the overdue situation, it is because it is the responsibility of the bank that the notice is not in place, and it can negotiate with the bank to cancel the overdue report.
However, we also need to note that the update frequency of the new version of credit information is very fast, and it is possible to submit credit information immediately after it is overdue, which naturally makes it impossible for banks to eliminate overdue records. After all, the overdue records in the credit information cannot be deleted manually, but only by the system. In this regard, customers only pay attention to maintaining personal credit afterwards and strive to repair credit information.
After signing the loan contract, everyone should also pay attention to the loan situation of the bank. If you find that you have not received the loan notice, you can take the initiative to call the bank staff to consult the specific progress.