Delayed repayment is overdue, and deferred repayment is considered overdue.

The details are as follows:

1. Deferred repayment means that the borrower agrees to postpone the original repayment date and extend the repayment time after negotiation with the creditor. Before the repayment is deferred, the original repayment deadline has passed, and according to the agreement, the borrower should have repaid the money.

2. The conclusion of delayed repayment can be explained by the following points:

a. The delayed repayment is because the borrower cannot repay the debt on time before the original deadline. Therefore, they were forced to seek permission from their creditors to postpone repayments. This means that the borrower has overdue payments.

b. During the period of deferred repayment, the borrower may be required to pay overdue fees or liquidated damages according to the loan contract or agreement. This further proves that delayed repayment is a form of overdue payment.

c. The fact that the creditor agrees to defer repayment does not mean that the borrower has not overdue. If the borrower fails to repay the debt on time before the original deadline, it has violated the loan contract and falls into the category of overdue repayment.

3. To sum up, deferred repayment is a form of overdue repayment. Although there may be an agreement between the borrower and the creditor to postpone repayment, if the borrower fails to repay the amount owed by the original deadline, it is still considered overdue.

Extended information:

In real life, borrowers often communicate with creditors and request an extension of repayment when they are unable to repay on time. Although the creditor may agree to defer payment, this does not mean that the borrower is not overdue, and the deferment is still considered a late payment. For borrowers, late payments can result in damage to their credit history, additional fees, and potential legal trouble. Therefore, borrowers should try their best to repay on time or negotiate with creditors in advance to resolve repayment issues to avoid the risks and inconveniences caused by late repayments.

Summary:

Deferred repayment is a form of overdue repayment. Although the borrower and the creditor may have reached an agreement to postpone the repayment time, this does not change the fact that the borrower did not repay the loan on time by the original deadline. Late repayment may have adverse consequences for the borrower. It is recommended that borrowers try to avoid late repayment and communicate with creditors in a timely manner to resolve repayment issues.

This is the answer to whether deferred repayment is overdue. Deferred repayment is overdue, and deferred repayment is considered overdue.