1. Credit record is damaged: overdue mortgage will leave a bad record in personal credit record, which will have a negative impact on your future credit score and loan application. Banks and other financial institutions may think that your repayment ability is insufficient or unreliable, and it is difficult to obtain other loans or credit products.

2. Increase interest and late payment fee: overdue mortgage may lead to default interest on unpaid principal and collect late payment fee. With the extension of overdue time, interest and late fees will also increase, increasing your repayment burden.

3. Collection and legal issues: Banks may take collection measures, such as telephone collection and door-to-door collection. If the overdue time is too long, the bank may take legal measures, such as reporting to the court, or even taking compulsory measures such as asset seizure and auction.

In short, three days overdue mortgage will have a negative impact on personal credit records, increase the burden of interest and late fees, and may lead to collection and legal problems. Therefore, it is recommended that you properly handle the mortgage repayment in time to avoid overdue situations.

Extended data:

Banks and financial institutions usually use the equal principal and interest repayment method, that is, the lender repays the loan according to the equal principal and interest every month during the repayment period. If the repayment is overdue, the bank will take certain punishment measures. Specific measures and cost standards may be different, which need to be judged according to the contract and relevant regulations. Therefore, if you encounter repayment problems, you'd better contact the bank in time and negotiate a solution with it.