1. Make up the overdue repayment amount as soon as possible. After the mortgage is overdue, the principal and interest of the overdue loan should be paid off as soon as possible, and the corresponding late payment fee should be paid. There are the following repayment methods:
A. Online banking or mobile banking: in the online banking or mobile banking of the Bank, select the repayment function and make up the overdue repayment amount according to the prompts;
B repayment at offline outlets: go to the counter or outlets of the loan bank, explain the situation to the staff, submit the repayment amount and ask for repayment vouchers;
C. Automatic repayment deduction: If the automatic repayment deduction function is set, the bank will automatically deduct money from the account associated with the loan account on the repayment date to ensure timely repayment.
2. Communicate with banks and make repayment plans. If you can't pay off the overdue repayment amount at one time, you can communicate with the bank and make a reasonable repayment plan. This can repay the overdue amount in installments, reduce the repayment pressure and avoid more late fees.
3. Avoid overdue again. In order to avoid overdue again, it is necessary to ensure timely repayment in the future and abide by the repayment date and amount agreed in the loan contract. You can set the reminder function and automatic repayment to remind yourself to repay in time to ensure that there are enough funds in the account for repayment.
To sum up, if the mortgage is overdue by one day, you should make up the overdue repayment amount as soon as possible, and communicate with the bank to make a reasonable repayment plan. At the same time, we should abide by the agreement in the repayment contract to avoid overdue again, so as not to generate more late fees.
Extended data:
According to the relevant laws and regulations of our country, overdue mortgage repayment will lead to the damage of credit record, which may affect personal credit rating. Therefore, prepayment is an important step to maintain a good credit record. In addition, if loans overdue fails to repay the loan for too long, the bank has the right to take legal measures to recover the arrears, including but not limited to auctioning the mortgaged property to repay the loan.
In addition, remind every property buyer to carefully read and understand the contents of the loan contract when applying for and using the mortgage, especially the repayment method, repayment date, interest calculation and other terms. Knowing and consulting the specific policies of relevant loan products in time will help to arrange repayment reasonably and avoid overdue situations.
The above is the explanation of how to repay the one-day overdue mortgage, hoping to provide you with some help. Please feel free to ask any other questions.