If the online loan is overdue but has not received a dunning call, it may be the following reasons: the borrower has just been overdue for a long time, and the loan platform hopes that the borrower will take the initiative to repay, so there is no dunning plan for the time being. The loan platform has a grace period for repayment. Although the borrower fails to repay the loan on time before the due repayment date (inclusive), it is still within the grace period for repayment, which cannot really be counted as overdue. Regarding the question that mortgage can be suspended and deferred, the following is a detailed answer from Bianxiao. com. First, mortgages can be suspended and extended. If the online loan is overdue but no dunning call is received, it may be the following reasons: 1. The borrower has just been overdue for a long time, and the loan platform hopes that the borrower will take the initiative to repay, so there is no dunning plan for the time being. If the borrower fails to repay the debt after a period of time, the loan platform is expected to start collection. 2. The borrower's mobile phone is set with strange SMS and phone harassment interception, which directly blocks the collection SMS and phone calls of the loan platform, mistakenly thinking that the loan platform has not started to collect, but in fact, the other party has started to collect. 3. The loan platform provides a grace period for repayment. Although the borrower fails to repay the loan on time before the due repayment date (inclusive), it is still within the grace period for repayment, which cannot be truly counted as overdue. After that, as long as the borrower can pay off the arrears before the end of the grace period, it will still be regarded as normal repayment. And if the repayment grace period is still over, the loan platform is likely to start to collect. Second, there are several ways to repay the mortgage. At present, the repayment methods of personal housing loans introduced by banks mainly include: equal principal and interest repayment, equal principal repayment, fixed interest rate and free repayment of provident fund. The first type: fixed interest rate repayment. The biggest advantage of fixed-rate mortgage is that the interest rate does not change with prices or other factors, but the fixed interest rate is often higher than the benchmark interest rate by a certain percentage point, because this is the risk of interest rate increase locked by the borrower in advance. The second type: equal principal repayment. With the repayment method of average capital, when the borrower starts to repay the loan, the monthly burden will be greater. However, as the repayment time goes on, the repayment burden will be gradually reduced, and the final total interest expenditure will be lower. The third type: equal repayment of principal and interest. Repay the mortgage by matching the principal and interest, and the borrower's monthly payment will remain unchanged. It is convenient for borrowers to arrange income and expenditure because they bear the same amount every month. The fourth type: free repayment of provident fund. Free repayment is a unique repayment method for provident fund loans. Compared with the traditional repayment of equal principal and interest or equal principal, the free repayment of provident fund is more flexible. The above is the related content compiled by Bian Xiao. The loan platform provides a grace period for repayment. Although the borrower fails to repay the loan on time before the due repayment date (inclusive), it is still within the grace period for repayment, which cannot really be counted as overdue. The borrower's mobile phone is set with strange SMS and phone harassment interception, which directly blocks the collection SMS and phone calls of the loan platform, and mistakenly believes that the loan platform has not started to collect. If you have other needs, please do one-on-one legal consultation online.

Legal objectivity:

Article 671 of the Civil Code If the lender fails to provide the loan on the agreed date and amount, thus causing losses to the borrower, it shall compensate for the losses. If the borrower fails to collect the loan according to the agreed date and amount, it shall pay interest according to the agreed date and amount.