1. Freezing mortgage account is allowed. If the mortgage is overdue, the bank participating in the credit investigation has the right to freeze its account, and the borrower can apply for unfreezing after paying off the overdue money; A court that fails to fulfill its legal document obligations according to the enforcement notice has the right to freeze its account, and the debtor may apply for unfreezing after performing it according to law.
2. Legal basis: Article 249 of the Civil Procedure Law of People's Republic of China (PRC).
If the person subjected to execution fails to perform the obligations specified in the legal documents according to the notice of execution, the people's court has the right to inquire about the deposits, bonds, stocks, fund shares and other property of the person subjected to execution from the relevant units. The people's court has the right to seal up, freeze, transfer or change the property of the person subjected to execution according to different circumstances. The property inquired, sealed up, frozen, transferred or changed in price by the people's court shall not exceed the scope of obligations that the person subjected to execution shall perform.
When the people's court decides to seal up, freeze, transfer or change the price of property, it shall make a ruling and issue a notice of assistance in execution, which the relevant units must handle.
Second, how to repay the mortgage card if it is frozen?
The repayment method of frozen mortgage card is as follows:
1. If the mortgage repayment bank card is found to be frozen, you should contact the bank as soon as possible to consult the freezing reason and unfreezing method, and try to unfreeze it before the mortgage repayment date to ensure the mortgage repayment on time;
2. If the bank card cannot be thawed, you can choose to replace the loan repayment bank card, let the bank staff assist in replacing the card number, and transfer the mortgage deduction to the new bank card in advance, so that the mortgage will not be overdue.