You can try to call customer service to explain and apply for deferred repayment.

1. At present, it seems that the bank will charge you a penalty interest because you are overdue.

2. The telephone number of the bank should mean that your penalty interest will not be charged in the case of normal repayment in the future, but will be charged in the case of overdue repayment.

3. So be sure to remember to pay the mortgage in full or save more in advance. As long as you repay in full and on time every month, the bank has no reason to charge you a penalty interest.

4. I hope it will help you.

2. What will happen if the Pudong Universal Fund is overdue for one month?

First of all, it will have a serious impact on your personal credit information. The overdue universal fund of Shanghai Pudong Development Bank will generate penalty interest and increase your repayment pressure. At the same time, the overdue universal fund of Shanghai Pudong Development Bank will not only affect one loan of Shanghai Pudong Development Bank, but also affect the use of other loans. Moreover, Shanghai Pudong Development Bank will also collect repayment.

3. What should I do if the mortgage of Shanghai Pudong Development Bank is overdue for one day?

You can't return it in time if it is overdue for one day.

In this case, it is recommended to repay the loan as soon as possible. You can call the bank that gave you the loan to inquire in detail. This situation will not enter the blacklist of credit information. The blacklist is for people who have been stabbed. If you usually forget to pay overdue once or twice, you won't be blacklisted.

The bank will only upload your credit report to PBOC regularly. However, if there is an overdue record, the loan will be a bit troublesome in the future. Therefore, you can consider making repayment in an associated account, or customizing a reminder for repayment, which will be more convenient in the future.

Extended data:

According to the relevant provisions of the Contract Law, the borrower fails to repay the loan within the time limit stipulated in the loan contract, which is a breach of contract and should bear the liability for breach of contract.

The funds invested by banks in such loans may or may not be recovered in the future. There is a great possibility of loss, and penalty interest is usually charged. Commercial banks in loans overdue should maintain a high capital reserve, and the reserve ratio is generally 50%.

The calculation method of overdue loan interest mainly includes

First, according to the interest rate during the contract period. During the performance period agreed in the loan contract, the interest rate paid by the borrower is only agreed at the upper and lower limits of the interest rate. If the private loan is not higher than 4 times the bank loan interest rate, the overdue loan can be calculated according to the interest rate agreement.

Second, calculate the interest according to the relevant regulations of the People's Bank of China. In this interest-bearing method, the loan interest rate during the performance of the loan contract is not calculated by stages, and the interest rate of overdue loans is calculated according to the interest rate adjusted in different periods determined by the People's Bank of China. When calculating overdue interest by installment, the penalty interest shall be collected according to a certain proportion or calculated according to the overdue period determined by the People's Bank of China.

At the same time, during and after the performance of the contract, the interest shall be settled quarterly (the interest settlement date of short-term loans within one year may also be the 20th day at the end of the quarter. If the borrower fails to pay interest on time, compound interest shall be calculated.

Tips: The credit forms, lending institutions and loan types of lending funds can be divided into personal loans, auto loans, housing loans and public loans. 20 13 specific positioning of the latest loan interest rate:

1. Short-term loans for six months to one year (including 180 days) 5.6%; 2. 180 days to 365 days%. 2. The medium and long-term loan interest rate for one year to more than five years is: 1. One to three years (inclusive) 6.15%; 2. Three to five years (inclusive) 6.4%; 3. More than five years, 6.55%. In response to the national call for personal credit reporting, users should abide by the credit reporting requirements and relevant laws, so as not to affect the credit of loans and credit card applications.

Extended source: Baidu Encyclopedia-Penalty interest on overdue loans

4. Excuse me: My mortgage is delayed for one day. What should I do?

Do you mean to repay the mortgage or apply for it? Be clear.

If it is to repay the mortgage, you can save enough money for two months, and the deduction next month will have little effect.