1. How long can the bank’s delayed repayment be extended?

1. How long can the bank’s delayed repayment be extended?

1. The loan is generally extended for three days after it expires. Some banks extend it for five days. The main purpose of banks applying for loans for users is to recover the loans. The loan extension situation of each bank is different, and the user extends the loan.

2. The law is based on Article 678 of the Civil Code

The borrower can apply to the lender for an extension before the expiration of the repayment period; if the lender agrees, the extension can be .

Article 674

The borrower shall pay interest according to the agreed period. If there is no agreement or the agreement is not clear about the period for payment of interest, and it is less than one year in accordance with the provisions of Article 510 of this Law, it shall be paid together with the loan when the loan is returned; if the loan period is more than one year, it shall be paid on each expiration date. , should be paid together with the loan repayment.

What is it

Loan processing process

1. The applicant should submit the application information to the bank after preparing the loan information required by the bank. A preliminary review of the borrower's information should be conducted

2. Investigation. This is mainly to verify the borrower's information to see if the information is true. At the same time, it will also query the borrower's personal credit record to see if it meets the bank's loan requirements. After the evaluation, the bank will enter the approval process, mainly deciding whether to apply for the loan. The borrower issues the loan;

3. Loan issuance. After determining that the borrower meets the Bank's loan requirements, the Bank will issue the loan, and ultimately the borrower can repay the loan according to the loan contract.

2. How many years can the mortgage repayment be extended for the longest period?

It should be possible. You can just go to the bank where you borrowed the loan and apply. The bank will agree, because you If you have to pay more interest than before, the bank will basically handle it for you. You can negotiate with the bank for the specific length of time you want to extend.

3. Online merchant banks can apply for deferred repayment. ?

Yes.

You can proactively call the MYbank customer service hotline to see if you can apply for a deferral of repayment. Generally speaking, bank customer service will directly refuse, but you can't give up easily. You might as well try a few more times, and be careful to express your positive attitude that although you can't afford it right now, you still have a strong willingness to repay.

During the specific communication process, you must patiently explain the reasons why you cannot repay, and then provide relevant and authentic supporting materials, such as poverty certificates, unemployment certificates, etc., to prove that you are indeed unable to repay the debt. For some high-quality customers or customers with special reasons, the bank may agree to defer repayment, which will be subject to the actual situation.

4. How long can the bank’s delayed repayment be extended?

1. How long can the bank’s delayed repayment be extended 1. After the loan expires, it is generally extended for three days, and some banks extend it for five days. The main purpose of banks applying for loans for users is to recover the loans. Each bank's loan extension situation is different. Users can contact the bank's credit manager to apply for an extension of the loan. 2. Legal basis: Article 678 of the "People's Republic of China and Civil Code" The borrower may apply to the lender for an extension before the expiration of the repayment period; if the lender agrees, the extension can be made. Article 674 The borrower shall pay interest according to the agreed period. There is no agreement or the agreement is not clear about the period for payment of interest, and it cannot be determined according to the provisions of Article 510 of this Law. If the loan period is less than one year, it shall be paid when the loan is returned; if the loan period is more than one year, It shall be paid at the end of each year. If the remaining period is less than one year, it shall be paid when the loan is returned. 2. What is the loan processing process? The loan processing process is as follows: 1. The applicant borrower should apply to the bank after preparing the loan information required by the bank. After receiving the information submitted by the borrower, the Bank shall conduct a preliminary review of the borrower's information; 2. Investigation. This is mainly to verify the borrower's information to see if the information is true. At the same time, it will also query the borrower's personal credit record to see if it meets the bank's loan requirements. After evaluating all aspects of the borrower, the bank Will enter the approval process, which mainly determines whether to grant a loan to the borrower; 3. Loan grant.

After determining that the borrower meets the Bank's loan requirements, the Bank will issue the loan, and ultimately the borrower can repay the loan according to the loan contract.