According to the inquiry on Lutu.com, we learned that as for how long it will take to be sued if the mortgage payment is cut off, it depends on the length of the overdue period. Banks handle different overdue periods in different ways:

1. If the overdue period is one month, the bank will call or send text messages to notify the home buyer to repay immediately. After all, many people are not malicious. If it is overdue, it may be due to business trips and other reasons that the repayment was not made in time.

2. If the home buyer is overdue for 2 months and has not repaid the mortgage, in addition to calling and sending text messages to collect payment, the bank may also arrange for people to come to collect payment, including the place of residence and unit;

3. If the bank is overdue for 3 months and sees that the home buyer has not repaid the mortgage, it will directly go to court to sue. Once the judicial process enters, the home buyer's house may be repossessed and auctioned by the bank.

It can be seen that if the home buyer does not want to be sued by the bank because the mortgage is overdue, he must pay off the monthly payment owed before the third month after 2 months of overdue. Otherwise, if sued, the bank will require the home buyer to pay off the remaining outstanding loan principal and interest in one lump sum, otherwise the house will be auctioned to recover the home purchase loan amount.