Under normal circumstances, the mortgage will be recovered by the bank for six months. According to the bank's regulations, the bank will call or send a text message to remind you in the first month, and the bank account manager who has been disconnected for more than three times will call for payment, and the borrower will be fined. If the mortgage is cut off for more than six times, the bank will communicate with the lawyer and the debtor, and the house will be frozen by the bank and then auctioned.
Second, how long will the mortgage not be repaid?
If the mortgage loan is still unpaid after six months or three bank collections, the lender will be blacklisted because of bad credit information, and in serious cases, the house may be repossessed by the bank. In addition, if the lender really can't repay the loan on time, it can negotiate with the bank to extend the repayment period. If the lender fails to repay the loan for more than six months, the bank will urge the lender to repay the loan through litigation and other means. If the lender fails to repay the loan for more than three times, the bank will not only pay the penalty interest, but also report the lender's personal credit report to the central bank's credit information system, leaving a record of bad credit information, and even take back the house used for mortgage. Consequences of loan suspension: 1. After stopping the housing loan, the bank will report the lender's personal credit report to the central bank's credit information system, leaving a record of bad credit information, which will be kept for five years. During these five years, banks may refuse lenders to handle loans, interest rate discounts and other businesses. 2. After the bank repossesses the house, the house will be auctioned, and the proceeds from the auction will first be used to repay the interest and liquidated damages. If there is money left after repayment, the remaining money will be used to repay the principal, but if the remaining money is not enough to repay the principal, the bank will ask the lender to repay the remaining mortgage loan. 3. After the house stops lending, the bank will not only inform the lender to repay the loan irregularly, but also increase the loan interest rate by 30% to 50% as a punishment for the lender's failure to repay the loan on time. If the lender fails to repay the loan after being urged by the bank, the bank will bring a lawsuit against him. Once accepted by the bank, it will not only affect future loan processing, but also affect accommodation and travel. 3. Extend the loan term: If the mortgage loan cannot be repaid on schedule according to the original repayment plan, you can apply to the bank for extending the loan term. After approval by the bank, a deferred repayment agreement can be signed. Usually there is only one opportunity to apply for deferred repayment, and the longest period after the extension shall not exceed 30 years. Apply for deferred repayment: At present, you can apply for mortgage loans from multiple banks. When the borrower is unable to repay the loan, he can temporarily explain the situation to the bank and apply for deferred repayment. The extension time can be decided by the borrower, but it has the longest period and can only be applied once or twice.
3. How long will it take to repay the mortgage, and will the house be repossessed?
After more than three months, I basically returned to the litigation process.
4. How long is the mortgage owed? How long does the bank have the right to repossess the house? I haven't paid my mortgage for three months. Will the bank take over the house?
It is possible that the bank will send a dunning phone call or a dunning letter, and if it does not pay back the money, it will send a lawyer's letter to start auctioning the house. There should be a specific time limit. Do you know how long it is?
Banks must be different. Pay back the arrears quickly.
Yes, just these days.
Call customer service directly, such as ICBC 95588.
The point is that all the reservation phones in the bank can't get through. I don't even know if the bank is auctioning my house.