Mortgage repayment can be postponed. When there is a problem with the borrower's funds, you can apply to the bank for deferred repayment at this time. However, you also need to apply in advance when applying. Generally speaking, the borrower needs to apply, and the bank can only postpone the preparation after approval, and the extension time cannot exceed 30 years.

Matters needing attention in mortgage repayment extension

Need to extend the loan repayment period, must be 20~30 working days in advance to the loan bank to submit the "personal housing loan extension application" and related certificates, some banks stipulate that the extension is limited to one time.

Personal housing loan refers to the loan issued by the bank to the borrower for purchasing ordinary housing for personal use. The borrower must provide a guarantee when applying for a personal housing loan.

Personal housing loan business is one of the main asset businesses of commercial banks. He refers to the loan issued by a commercial bank to the borrower for purchasing the first transaction housing (that is, housing developed and built by real estate developers or other qualified developers and sold to individuals).

(1) The full name of personal housing entrusted loan is personal housing guarantee entrusted loan, which refers to the personal housing loan entrusted by the housing fund management center to commercial banks by using the housing provident fund. Housing provident fund loan is a policy personal housing loan, on the one hand, the interest rate is low; On the other hand, it mainly provides such loans to low-and middle-income workers who pay the provident fund. However, because the interest difference between housing provident fund loans and commercial loans is above 1%, both investors and ordinary people who buy houses and live in their own homes are more inclined to choose housing provident fund loans to buy houses.

(2) Personal housing self-operated loans are loans granted to individual buyers with bank credit funds as the source. Also known as commercial personal housing loans, personal housing secured loans.

(3) Personal housing portfolio loan refers to the loan issued to the same borrower with housing provident fund deposits and credit funds for the purchase of self-occupied ordinary housing, which is a combination of personal housing entrusted loans and self-operated loans. In addition, there are housing savings loans and mortgage loans.