1, credit left a stain. After the mortgage is overdue, the bank will report the overdue situation of the customer to the credit report, which will leave a record of non-performing loans on the credit report, which will be affected when the customer conducts credit activities or applies for certain positions in the future. After the credit information is damaged, even if the customer pays off the overdue mortgage, the overdue record will remain for 5 years, which will affect the customer for a long time.
2. Collected by the bank. Once the house is in loans overdue, the bank will definitely contact the customer by phone or SMS, urging the customer to repay the overdue debt as soon as possible. But under normal circumstances, the bank will only collect the money from the customer himself and will not harass the customer's family. If customers encounter violent collection, they can report to the relevant departments.
3. Produce a lot of fines. After the mortgage is overdue, the bank accountant collects overdue penalty interest from the customer on a daily basis. The penalty interest for one day overdue is more than the normal loan interest, so the longer the customer is overdue, the more penalty interest will be generated.
4. Malicious overdue prosecution. For example, a customer clearly has the ability to repay, but still deliberately defaults on the mortgage. In this case, in order to protect their rights and interests, the bank will solve the customer's debt problem through legal channels and sue the customer.
The house will be repossessed for 6 months. If the customer is overdue for one month but the accumulated overdue time exceeds six months, the bank will take measures against the customer according to the agreement in the loan contract, terminate the mortgage loan contract ahead of time and require the customer to repay the loan in advance. If the customer fails to pay the loan, the bank will dispose of the property mortgaged by the customer according to the regulations.
It can be seen that the user's mortgage overdue for one month will bring serious negative impact to the user. In order to avoid the above situation, users need to maintain good repayment behavior and repay in full and on time to maintain their personal credit qualification.